Bitcoin price has surpassed house price
Recently, the price of bitcoin has once again shown people the power of "sudden wealth". People who hold bitcoin have been promoted to be the winners in life. Some people say that this is one of the best positions for sudden wealth in 2017, and 2016 is undoubtedly a house. Bitcoin and real estate have experienced roller coaster ups and downs. Think about it, more than a decade ago, people bought houses for living and investment, That's what rich people do. Now those who don't buy bitcoin or buy less seem to have the pain of not buying more houses and gnashing their teeth at speculators
the future of real estate does not belong to speculators. At last week's zzj meeting, "accelerating the reform of housing system and the construction of long-term mechanism" was put in an important position, which can be understood as "although this year's regulation has played a certain effect, it is not lasting and firm. We need to constantly improve and realize the establishment of long-term mechanism on the basis of ensuring the stability and sustainability of policies, Ensure that house prices and the market do not fluctuate
In this way, it seems that those who are looking forward to soaring house prices can't do what they want, and some people may worry about the issue of selling extra houses < H2 > the more houses there are, the better. The future will be left to those who know how to distribute wealth. < H2 >just on December 11, Cao Dewang, the famous glass king, gave an interview with CCTV financial new media. He put forward an amazing view about the way many people buy many houses to keep their value: sell the surplus houses as soon as possible, then they can't sell or rent them, and they have to pay management fees
Cao's view is reasonable. The real estate registration policy is being promoted all over the country. In fact, it is preparing for the introction of real estate tax in the future, which is also one of the components of the long-term mechanism. People who hold more than three houses are likely to be affected, and the surplus houses will be taxed. If they are in debt and can't rent out, there will be another tax, It's really hard for the holders
Rong360 said that Fang Jun believes that the house can preserve its value, but the more the better. The future belongs to people who know how to distribute wealth. A few days ago, Wu Xiaobo channel and Kungfu Finance released the "2017 new middle class asset allocation report", which defined the new middle class as the group with annual family income of 200000-3 million yuan and investable assets of 100000-1 million yuan, which is also the main force of buying houses82.4% of the households will spend 30% of their income on investment or savings, and real estate, Internet Finance and funds are their favorite investment procts. The higher the income, the higher the proportion of investment in real estate. Internet Finance and funds are relatively common categories
there is an unchanging truth about investment preservation: never put eggs in the same basket. Take the house as an example, the market is changing and the policy is also changing. The repeated emphasis on "housing without speculation" is a warning to speculators. The era of making money by buying a house with eyes closed has gone away. To maintain the value of investment, we need to allocate the money to different investment procts. We can have a house, and it is enough to have no more than three sets. With the rest of the money, we can buy some internet financial procts with higher income, Remember: saving alone is never enough
in addition to investing in Internet finance, you can buy some more stable investment procts such as funds. Rong 360 said that a friend of Fang Jun bought bitcoin and sold it at a high point to earn a down payment. Later, he learned to be smart and tried his best to speculate in the range of funds that he could accept losses, accounting for only about 20% of the funds, 30% of which were invested in fund bonds, and 50% of which were placed in the stable income and stable income Among the low-risk bank financing, bitcoin has made another profit recently
his investment ratio is: 50% low risk + 30% medium risk + 20% high risk, which is a way to pursue high return. If you want to be stable, you can invest 80% low risk (bank regular financing) + 20% medium risk (funds, bonds). Even if you can't afford to buy a house, you can at least make your wealth value-added through financial management
< H2 > is it appropriate to buy a house in 2018towards the end of the year, many people will ask whether it is suitable to buy a house next year. Here are some suggestions for you:
first, market policy . Before the long-term mechanism is introced, the short-term restriction policy will not be relaxed easily, the mortgage interest rate will be difficult to fall, the developer's price can not be higher than the specified standard, although the house price has fallen, the loan interest rate has risen, The overall cost of buying a house is increasing. Before buying a house, you should weigh whether your money is enough
the second is the demand that has the ability to buy a house . When the house price does not fluctuate too much, it is better to buy it. Don't wait for the house price to fall sharply, because banks, developers and people who have already bought a house will be unhappy. The purpose of the long-term mechanism is to ensure that "everyone has a house to live", which means that the demand that has not solved the housing problem should be tangled here, It's better to know which bank is good at lending and which Seller is good at speaking
Third, people who can't afford to buy a house . To tell you the truth, if you can't afford a commercial house, you can try to buy a common property right house, public rental house and other security houses. Your basic need is to have a long-term and stable residence. In the near future, the long-term mechanism should be able to help
on January 8, 2021, the price of bitcoin exceeded $40000
warm tips:
1. The above explanations are for reference only, without any suggestions
2. Before investing, it is recommended that you first understand the risks existing in the project, and clearly understand the investors, investment institutions, chain activity and other information of the project, rather than blindly investing or mistakenly entering the capital market. Investment is risky, so we should be cautious when entering the market
response time: January 25, 2021. Please refer to the official website of Ping An Bank for the latest business changes
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unless it's broken
1. Wash regularly
2. Strangle with thin thread.
We invested 1 yuan in that year, and now we get 10.8 million yuan! The market value of bitcoin can buy 22 Yunnan Baiyao, which has increased by more than 10 million times in ten years. After breaking through 25000 US dollars on the 26th, the transaction price of bitcoin continued to rise< as of 14:24 Beijing time on the 27th, data from coindesk showed that the price of bitcoin was $27372 each, up more than 10% in 24 hours
the key to maintaining monetary belief is scarcity. In primitive society, shells were also used as currency. This is because people find that shells also require a lot of labor time< the scarcity of shells determines the intrinsic value of these shells but if people go to the seaside and find endless shells everywhere, the shells will become worthless and people will start to use other scarce commodities as money
We missed the year of soaring house prices and missed the big rise of bitcoin. Originally, we had a lot of opportunities. We could take any one of them to make our living conditions move up to a higher level. Unfortunately, we didn't have the foresight and the sensitivity to invest, so we missed a great opportunity
So what else can we invest in the next few years? Do we have a chance to double our value
summary
what is the most reliable investment in the next few years
in Fu Yunjun's opinion, investing in U.S. stocks and investing in yourself is a good choice< br />
however, it should be noted that e to the lack of regulation of bitcoin, there are a large number of speculators involved in the international market. Its price is like a roller coaster, with great fluctuations and high investment risk.