In order to resist inflation, the rich and the middle class collectively choose to buy houses to avoid risks. This is the biggest reason why housing prices in the north, Guangzhou and Shenzhen are still soaring against the trend in 2020.
In 2020, in order to reduce the economic damage caused by the epidemic, central banks all over the world are issuing a large number of currencies. In just one year, the total amount of global currency issuance exceeded that of human civilization in 5000 years before 2008.
In 20021year, in order to fight the epidemic, countries are doomed to release their currencies again. Recently, the European Central Bank increased its water release by 500 billion euros and the Federal Reserve increased its water release by 900 billion dollars. Morgan Stanley predicts that in 20021year, the central banks of the United States, the European Union, Britain and Japan will release at least 5 trillion US dollars, equivalent to more than 30 trillion RMB.
It can be said that the earth has been flooded and there is no safe land. In this case, only by boat can we avoid drowning, and investing in assets is by boat.
Under the global currency flood, cash is rapidly depreciating. Holding money is the worst choice, and it is also the helplessness of most ordinary people, because they can't afford the down payment, or there is no room ticket in big cities.
House has been an excellent asset against inflation since ancient times, because it is a physical asset with natural scarcity. The central bank can release a lot of water, but it can't supply houses in batches. When buying a house, you don't have to worry about your rights and purchasing power being diluted, so you can sleep peacefully.
Buying a house to fight inflation is the collective choice of the rich and the middle class, and it is also the first choice of ordinary people. Buying a house can help you fight global inflation and keep your hard-earned money in value.
Pan Shiyi, a China of SOHO, put it this way: The massive release of currencies in various countries will certainly give birth to many strange things, but as long as we keep in mind what is the essence of creating social wealth, we will know what to do and what not to do, and we will be able to face any ups and downs calmly.
No matter what policy, it is not perfect. What we need to do now is not to block but to drain.
Those who know too little about the economy will use too much power.
First of all, a short answer: no! Moreover, we must point out that under the current circumstances, global currency issuance may not necessarily lead to inflation in the traditional sense (we are going to make a live broadcast to discuss this issue in detail) ...
I noticed that there have been more than 50 answers to this question (many of them are professional), so I will respond from another angle.
Just last night, Mr. Wu and I talked in detail about all aspects of the recent financial market in Baidu's "Super Online" live broadcast, such as Bitcoin, which assets have investment potential, etc ... The following is the live broadcast link:/webpage? Type = Live & Action = Live Show & Source = H5pre & Amproom _ ID = 4209472002, please take the time to listen.
There is an old saying in the Incas: gold is the sweat of the sun, silver is the tears of the moon, and labor is the unit of value ... The hottest financial hot word in these two days is undoubtedly the "bitcoin" that broke through $50,000. Please refer to Bitcoin and Other Virtual Currency Crimes in China: High Amount, Many Victims, Cross-province and Cross-border. Key points: In recent years, with the popularity of blockchain and virtual currency represented by Bitcoin, the main points are:
L More than 100 people were involved, and the number of victims was as high as 2 million.
L amount involved: tens of millions, up to tens of billions of yuan.
L There are various charges and different prison terms.
L is good at "packaging" and has a variety of patterns.
L technicians commit crimes more and more frequently.
As for the price of Bitcoin, I have repeatedly stressed (even often climbed to the top) a few years ago: "Is it possible for Bitcoin to rise to 50,000 US dollars, 65,438+10,000 US dollars, or even 200,000 US dollars? ! Speculative gamblers go gambling, no one will stand in your way! Don't you understand people? ! ! ! )"
After entering the financial market again, Bitcoin has become the largest and most efficient casino (not a financial bubble) in human history through the global integration of the Internet.
Everyone (especially readers who have played Pai Gow), as long as you take a closer look, Bitcoin's entry into the financial market is very similar to Pai Gow.
Pai Gow has 32 cards in total. In addition to the dealer, there are three doors, namely, door to door, Tianmen and Dimen Town. After the four doors are decided, in addition to the dealer, there are many peripheral participants who can choose to bet from three.
The banker will give an initial compensation limit when he is a banker, such as 1000 yuan. The other three bets are calculated according to this limit, because once you bet more, even if you win, the banker can only pay 1000 yuan at most. When the loss is 1 0,000 yuan, the banker's compensation limit is changed to 2,000 yuan, then 4,000 yuan and 8,000 yuan, and the maximum limit is 1 0,2800 yuan ... If the banker loses, the next banker will sit in the village.
Bitcoin plays a lot like Pai Gow.
The Zhuang family first put in several bitcoins (chips in Pai Jiu gambling), and gamblers obtained bitcoins by buying or mining, with the maximum amount of 2 1 10,000. Gamblers have to pay a higher price to get more bitcoin. Bitcoin, like Pai Gow chips, can only be circulated in this casino. Without this casino, nothing can be bought. Bitcoin, like Pai Gow gambling, has people who run casinos pumping water.
Of course there are some differences. For example, first, there is only one dealer, and players have no chance to turn over. Second, players can bet through their own recognized platform (that is, the level of Pai Jiu), and there are n levels that Bitcoin players can participate in; Third, the dealer and the player are not the size of the card, but the price of bitcoin.
So, how is the price of Bitcoin constantly pushed up?
Obviously, first, it captures people's gambling psychology of "making small and making big"; Secondly, diamond marketing swindlers use it to play "scarce resources", "eternal value" and "hunger marketing"; The third is to create the concept of "decentralization" and artificially package it as "digital currency"; The fourth is to collude with some speculators and businessmen, let them buy bitcoin, and publicly say that they can buy their goods with bitcoin; Fifth, those who sit in the village constantly raise the price of bitcoin by knocking; Sixth, some speculators follow suit and bet that they are not the last to take over.
Thirdly, bitcoin is not only a tool for pornography and money laundering, but also a bargaining chip! If Xu Re has something that looks real, it can't create anything of practical value! It is even more impossible to become a global currency!
Today, the price of bitcoin has reached a new high. What will happen in the future? Re-emphasize: Is it possible for Bitcoin to rise to 50,000 US dollars, 654.38 million+or even 200,000 US dollars? ! Speculative gamblers go gambling, no one will stand in your way! Don't you understand people? ! ! ! ); However, if you are only an investor in the financial market: stay away from it. ...
Finally, by the way, make a small advertisement. The first book that understands money has just come out. This issue is discussed in detail. Thank you for your attention!
Do you have any better ideas on this issue? Welcome to leave a message below to discuss!
First of all, you must answer the landlord's question. The current house is not the best asset to avoid inflation.
The national policy of housing and not speculating can never be loosened. This policy has blocked the throat of house price appreciation. What is the best investment asset in the era of inflation? Brother Chaos analyzes from the following aspects:
The word inflation sounds familiar to many people, but they don't seem to realize its influence on themselves. It acts like a frog boiled in warm water, and it empties its wallet unconsciously.
The direct result of inflation is that the interest you earn by putting your money in the bank is not as fast as the price rises. In the era of inflation, how can we maintain and increase the value?
Why inflation?
1. Because the currency circulation is too large, it exceeds the circulation speed, which leads to currency depreciation, soaring prices and inflation.
2, because the production supply can't meet the demand, resulting in inflation.
3. Inflation is caused by structural imbalances such as investment and competitive market.
Affected by the epidemic, central banks all over the world speed up printing money to ensure economic growth. Can speeding up printing money really promote economic growth? It goes without saying that printing money is something that everyone will do. If printing more money can ensure economic growth and further promote the progress of human society, what is the significance of cultural progress and scientific and technological progress in the history of thousands of years of civilization? People just need to keep printing money.
Many people will say that printing more money abroad has something to do with us. As we all know, in today's world, countries are increasingly connected, and information on the Internet extends in all directions. What happened in the western hemisphere can be known to people in the eastern hemisphere through the Internet in the blink of an eye, just like the broadcast at the head of the village. The network makes the distance infinitely narrow, and the earth we live in is like a "global village". The exchange of goods between countries is very easy, and China has become a depression for storing hot money all over the world.
In view of the accelerated printing of banknotes abroad, the data show that the money supply of China banks has also increased by 28% (roughly). Inflation is the most effective and hidden way to plunder people's wealth (tax plunder will encounter great resistance). Although high inflation has promoted high growth, it has continuously plundered the wealth accumulated by the people. In the era of inflation, ordinary people can't share the development dividend, and it is more and more difficult to survive, so that they can't afford to live or die.
The current development model of high inflation will exist for a long time to come. In the era of persistent inflation, if we don't invest our spare money, our wealth will shrink every year. How can we maintain and increase the value in the era of inflation?
1. Make sure that the family has enough cash flow in daily life. In the case of ensuring the cash flow needed by the family, use the extra spare money to make diversified investments.
2. For example, when investing in gold and silver, gold and silver are expressed in monetary value and in the form of monetary price. The value of gold and silver is fixed, and it is suitable for safe-haven investment only because of the change of currency price. However, the rapid period of gold and silver appreciation has passed, and no one can guarantee whether it will rise or fall, but in the long run, hedging is certain.
3. Investing in treasury bonds and buying a certain amount of treasury bonds are also relatively stable means of maintaining value. National debt is higher than bank interest rate. Although the investment income is locked, it loses its liquidity. If you pay in advance, it will be at the expense of lost income. The investment period of national debt is 3 years and 5 years, which is long and non-transferable. The loss of early redemption is greater than the loss of early withdrawal of time deposits.
4. Invest in stocks and funds. Stocks and funds are high-risk and high-return investment channels. If you don't understand stocks and don't speculate for the time being, you can buy the Shanghai and Shenzhen index ETF or the newly issued Kechuang 50 index ETF, waiting for the bull market to appreciate.
After the era of real estate investment, the era of capital investment will inevitably rise, which is also the path taken by other developed countries and contains the basic logic of wealth evolution. When a social capital is excessively prosperous, it is inevitable to find a long-term and stable way to maintain and increase its value!
At present, China's capital market has shown an increasingly open basic direction; China's strong economic stamina has also become a depression for investors from all over the world. In the next decade, China stock market will cross 6 124 in 2007, and it is normal to break through 10000. According to the current development of China, China's capital market will surely become the world leader!
All we have to do is hug it! Cater to it! Only in this way can we achieve our great life in the capital! At this moment, it is the most mature and rational to closely tie the fate of the individual and the fate of the country!
5. Invest in yourself. Only by investing some time and money in yourself can you improve your ability and strength, and your ability, strength and talent will never depreciate. Brother Chaos, a rural man born in the early 1970s, has never received any higher education because of his poor family. However, his thirst for knowledge almost never stopped. He went to work in the south in his early years. His peers envy white-collar workers who work in offices. But computers became an insurmountable dream for ordinary people at that time, and he also spent a lot of money on self-motivation (it took more than three months' salary to learn computers at that time). Brother Chaos only learned the basics through computer books, and also learned it from colleagues who just graduated from college at that time.
Brother Chaos has been striving for management since he started working in the Guangdong factory. When he was an employee, he took the monitor as a benchmark, always paid attention to the daily work content and working methods of the monitor, and compared the work of other production line monitors. He said to himself, if I become a monitor in the future, what are the advantages and disadvantages of the current monitor? I am a monitor with the supervisor as the benchmark, and I am a supervisor with the director as the benchmark. In this way, I realized the leap of my life step by step, and managed nearly 5000 employees at most.
Brother Chaos proved with his own experience that only by investing in himself and striving for self-improvement can he get ahead.
The house has advanced the inflation level by 30 years, and it is still anti-inflation. what do you think?
Try if the bank mortgage rises to 50%, the market house price will drop by 50% directly!
At present, the only anti-inflation asset is stocks. The hollowing out of state-owned shares in the market is too serious, and only small and medium-sized blue-chip stocks are worth investing.
As for what is a small and medium-sized blue chip, you need to discover and explore it yourself!
As the largest economic power in the world, a country keeps printing its own currency in order to transfer the increasingly decadent domestic economic form, in an attempt to share the debts of all countries in the world, continue to safeguard the luxury quality of life of its own people, lose its responsibilities and obligations as a global leading power, and push the global economy into dire straits. As a responsible country, while dancing with wolves, China silently shared the burden of the global economy, making a silent contribution to the recovery and development of the global economy, but at the same time, it was also under great economic pressure. As our long-term money reservoir, the real estate industry has been overdrawn by the soaring housing prices in recent years. High housing prices and education and medical care have become unbearable economic pressures for the broad masses of the people. It has greatly squeezed the consumption power of the people. At the same time, we are also in a critical period of economic transformation. The phenomenon of high housing prices has become the object of slander by the whole people, and the state has actively taken corresponding measures to control it. The era of real estate speculation is gone forever. With the gradual decrease of the newly born population, the turning point of population is approaching. In addition to the core areas of first-tier cities, the downward trend of housing prices has been revealed. House is no longer the best asset to avoid inflation!
1. If you don't have a house, take out a loan to buy it. Especially first-line, new first-line and provincial capital cities. Remember the loan. Choose the difficult one, remember that the most important thing is the location, not the so-called environment.
2. Have a set of self-occupation, which can be improved or invested. Take a good look at the urban development planning, surrounding commercial facilities, schools, transportation, etc. Borrow if you can.
3. If there are already many houses or some houses in bad locations, which have not changed much in recent years, we should pay close attention to selling non-performing assets. If you are not limited to buying, choose some properties with obvious traffic advantages.
4. If you have sufficient funds, you can consider starting with some stocks or funds.
Remember, don't put your money in an investment field. Real estate, deposits, wealth management, funds and stocks can all be considered. Currency issuance means bubbles and overheating, which is a wave of opportunities. If you can't catch it, you will be cut off.
It used to be absolute, but now it has changed a little.
We can compare the difference between a house and gold. We all know that gold is anti-inflation. The problem with gold is that it has no interest. So when the interest rate of bonds or deposits is high, the opportunity cost of gold is relatively high, because you can deposit money in the bank or buy bonds to earn interest. If you buy gold, there will be no interest.
A house is not quite the same as gold. Houses can be rented out to earn rental income, so when the rental ratio exceeds the real interest rate, then houses are an excellent means to fight inflation. If the house price is already too high, but the rent does not increase in proportion, then the opportunity cost of owning a house will also increase.
This is why the rent-to-house ratio has become an important indicator of whether the real estate is overheated. In 2020, because of the epidemic, the real estate rental market was hit, and the continuous outbreak of long-term rental apartments can be seen. But on the contrary, house prices are rising. I'm talking about housing prices in some core cities, so the real estate bubble in China will continue to blow in 2020.
At present, the ratio of rent to house price in China real estate market is negligible. Pay attention to the overheated investment in the real estate market in China, and the fluctuation of house prices will become greater, which means greater risks. Of course, China limited the sharp decline of the real estate market, and this restriction is also to prevent the future real estate prices from rising further. If the price does not increase, then its anti-inflation characteristics will be difficult to reflect. In addition, the biggest problem in the real estate market lies in the perspective of liquidity. Military policy will inevitably lead to a decline in the liquidity of real estate, which is also one of the places where houses are not as good as gold. If you hold gold, you can easily convert it into cash, but it may take a long time to realize the house in a recession.
At present, real estate is the best choice for ordinary people. First of all, you don't need special professional knowledge and experience like stocks. Find a reliable real estate agent and tell him your requirements. Even if the property price falls, it is better to have a tangible house that is not like stocks.
You are a person who knows the economy very well. Global water release, as long as China's economy keeps growing, hot money will definitely flow to China, and inflation will inevitably come. It is certain that the value of the coins in our hands will shrink.
As for whether the house is the best asset to avoid inflation, it is hard to say. But it is definitely a good choice. China itself is a country with a large population and relatively tight resources. Resource shortage is not a scarce thing. Even though western countries have developed for so many years, house prices are still rising. Will house prices fall in China?
Based on the rapid rise in housing prices, the people complained bitterly, and the state was cracking down on first-tier cities. If we don't crack down, first-tier cities can't absorb so many people, and it will also cause chaos. Other first-tier cities are empty and must be controlled. This kind of suppression will inevitably cause the population to flow to second-and third-tier cities and promote the development of these cities, so the subsequent houses are definitely scarce products, so don't touch the houses in fourth-tier cities.