What assets will best retain their value in the next few years?

I have been investing myself for more than ten years, and I still have some experience with economic cycles and investment strategies.

Let me give you some personal suggestions:

1. Real estate.

China’s future real estate must be differentiated, and population determines housing prices!

In the context of the general environment where the population has peaked and aging is very serious, cities with a continuous net inflow of population, such as the first-tier and new first-tier cities, will have investment value, which can not only maintain value, but also appreciate.

But for cities in the third, fourth and fifth tiers, where there is a net outflow of population, there is no need to invest, because it will only fluctuate, correct, or even depreciate.

2. Stocks.

China's stock market will become the "golden cycle field" that will take over real estate in the next 10-20 years, so the probability of stock investment appreciation is very high, just like real estate in 1990 and 2000.

However, you must know how to distinguish, because the stock market is different from the real estate market. Looking at the mature financial market, it must be a survival of the fittest situation.

Therefore, only those high-quality, undervalued, industry-specific stocks have more investment value, while those in rising industries, and even those overvalued, inferior, and junk listed companies, should be avoided. .

Conclusion:

From 1987 to June 2019, the currency has depreciated by 77.4%! 4.5 per year. Assuming 4 inflation rates, current cash will depreciate by 56% in the next 20 years. Highly indebted banks, insurance companies and real estate companies are the biggest beneficiaries.

Do you know how to deal with it? Buy core assets! !

History has repeatedly told us that in addition to investment, only investment can resist depreciation! Most deposits, even gold, cannot achieve the purpose of appreciation or even preservation of value!

In the next few years, the national five-year plan will be used to set the time, that is, from 2020 to 2025. During these five years, what investments will best preserve the value of residents?

We can first analyze residents’ conventional investment channels to see which ones are more likely to maintain value: 1. Real estate: The past 20 years have been the golden period for real estate investment, but starting from 2018, the state’s emphasis on real estate The positioning, coupled with the degree of bubbles in real estate prices in various places, it can be seen that real estate has passed the stage of general growth in the next five years, and it will be a structural market in the future. Structural market conditions, that is to say, are more difficult for the general public to grasp. 2. Savings and financial management: Needless to say, I can’t beat inflation. What’s more, financial management now no longer protects principal and returns. 3. Stocks and funds: These are the ones that are most likely to outperform inflation, that is, they can maintain their value. There are many reasons for this. The most important thing is that the national economy has begun to move into an L-shape. In other words, it is not even close to Wherever it goes, this is the bottom. In addition, the securities market has also underestimated the bottom. As the country's industrial upgrading and structural adjustment are completed, the economy will begin to improve in the future, and the relevant listed companies will also rise.

Answer completed!

The key to what is the most valuable thing to invest in in the future depends on what is the most scarce. The scarcer something is, the more valuable it will be over time. Specifically, I think the following assets will be more valuable in the next few years. Preserve value.

Although my country’s property market has reached an inflection point and house prices cannot grow as fast as in the past, for those first- and second-tier cities with a relatively large net inflow of population, I think these cities will have a large net inflow of population in the next 5 to 10 years. There is still room for rising housing prices in cities. As long as the room for rising housing prices in these cities exceeds the level of price increases, then they can maintain their value.

Gold and other precious metals show completely different directions from economic development. Generally speaking, the economic development situation is relatively good, so the price of gold will be relatively low. On the contrary, if the global economic development is not too optimistic, then the price of gold will be relatively low. The price of gold will usher in an upward trend.

According to the current global economic development trend, the development of the global economy in the next few years is not very optimistic. In particular, the economic development of the United States may face some uncertainties. In this regard, the U.S. dollar may If the US dollar depreciates further, the price of gold will rise. Therefore, gold and other precious metals should have a certain value-preserving role in the next few years.

With the continuous development of various undertakings in rural areas of our country, the living environment in rural areas has been greatly improved in all aspects. In the future, I believe that many people will be willing to buy houses in rural areas for vacation or retirement. Therefore, for rural areas with relatively convenient transportation and better environment, their land will definitely have room for appreciation.

As our country’s living standards continue to improve, more and more wealthy people are becoming rich. Once everyone’s income increases, everyone’s pursuit of quality of life will increase accordingly. In the future, there will be more and more millionaires in our country. In addition to pursuing basic food, drink, housing and transportation, these people will also pursue some artistic things, so there may be demand for those relatively scarce collectibles. will increase, then the prices of corresponding collectibles with relatively small stocks are likely to continue to rise, so these collectibles are only used if they have a certain degree of value preservation.

There are many mineral resources on the market today that are relatively scarce. The quantity of these resources will decrease a little every day, and they are non-renewable. In the future, the prices of scarce resources related to high-tech industries, such as rare earths, cobalt, zinc, nickel, etc., are likely to continue to rise, so they have a certain value preservation effect.

Of course, the ones we listed above are all tangible assets, that is, visible assets, but I think what can really maintain their value in the next few years is your own intangible assets, that is, your own abilities, because as long as you If a person's ability is strong enough, he can adapt to the changes of the times, and then be able to timely and accurately grasp market opportunities, thereby earning more wealth. This is the most valuable asset.

So when everyone has money, instead of buying some precious metals or real estate, it is better to spend more money to learn and improve yourself, by improving your abilities, expanding your horizons, and opening up your contacts, so that you can Make yourself invincible in the future.

Very simple question. Look at what bank lending institutions use as their main mortgage assets, whichever one will best preserve its value! Because they are the most professional and astute.

Let me say the opposite.

Let’s talk about stocks first. Comrades, if nothing unexpected happens, this year’s IPO will be subject to a registration system. Simply put, it will be released as long as it meets the conditions... There is no approval mechanism. Delisting will be the norm in the future. Simply put, stocks can no longer be played as before, and retail investors basically have no A way to survive, so those who maintain the value of stocks can just go to sleep. This is a standard pitfall...

Then real estate

Not much else to talk about, but after the epidemic, housing prices will definitely fall. In fact, The economy will be affected... To explain it in one sentence, the general environment is not good. I can't find any reason to explain why housing prices will hold up? Those who want to buy a house can just go to bed, and those who want to be a pick-up person can go and do whatever they want. If they can keep their jobs this year, they will be very happy. s

Artwork

...Um, I personally think it’s better for mortals like us not to touch it

Gold

This is possible, but the premise is that you have to make sure that what you buy is pure real gold. The kind that will rust after a few days will still fall apart.

US dollars

The idea is very beautiful, but the reality is very skinny. If you don’t believe it, ask how much each account can buy?

So, to sum up, I personally understand that it is better to stay still than to move. In the current situation, it is better to invest in the bank to stabilize your wealth. Make adjustments when you get the chance

History is a mirror of the future. Let’s look back at the most valuable assets in the past twenty years. Real estate is the first priority. Especially for residential properties in Beijing, Shanghai and Guangzhou, the appreciation is about 10-20 times. In Shanghai, it was only a few thousand yuan 20 years ago, but now it has reached ten times. Even books in third- and fourth-tier small towns have more than five times the number. Secondly, there are collectibles, such as Hetian jade in jade, which is also more than ten times, but its liquidity is not as good as real estate.

Thirdly, it is equity investment. Equity investment carries high risks and high returns, so it is not a financial management target for the general public. Other options with smaller risks include bank financial management, fund investment, precious metal investment, etc.

In the next few years, we will face several changes. The economy will no longer develop at a high speed, inflation will decline, investment returns will definitely drop significantly, and the days of large-scale increases in wealth are over. For things like real estate, the risks definitely outweigh the benefits. Once the finances dry up, real estate taxes will inevitably be introduced, and antiques and other collectibles will be far away from ordinary people's collections. It is estimated that the following items are worth looking forward to.

First, precious metal investment. It is recommended to appropriately allocate gold investment.

First of all, gold is the most traditional investment variety among precious metals. It is the so-called antique gold in prosperous times and troubled times. In recent years, with the rapid development of the country's economy, the investment function of gold has declined significantly. However, after years of rapid economic growth, it has now entered a period of medium-speed economic growth. For ordinary individual investors, the dividends from investing in real estate have basically ended, and the investment attributes of gold are slowly emerging. Intervention after 2020 is a A better choice of nodes. Especially the Panda gold coins issued every year are very cheap and worthy of investors' collection and investment.

The second is fund investment. The most disappointing thing in the past ten years has been the securities market, but things are changing and nothing remains the same. In the next few years, holding good funds may bring different returns. Funds are a very mature investment type abroad. For example, American pension funds and housing funds mainly invest in funds, aiming to achieve long-term and stable profits. China's funds have been affected by the unhealthy development of the stock market, but they continue to be optimistic about the future.

The third is core commercial real estate. Residential properties have increased too much in recent years, but commercial real estate has seriously lagged behind. It is mainly affected by Internet sales such as Taobao. However, commercial real estate, especially commercial real estate in core areas, still has investment value. Of course, the opportunity to intervene is very important, and there must be a comparative advantage.

The above suggestions are for reference only!

What assets will best retain their value in the next few years? I think there are three things!

First, health is priceless

The epidemic during the Spring Festival holiday touched me deeply. I watched the number of confirmed cases increase day by day, and the number of deaths also increased. The number is increasing day by day, and the whole country is fighting the "epidemic" together. I think the most important thing is health. In addition, Kobe Bryant's plane crashed. Sometimes, accidents and tomorrow I really don't know which will come first. Therefore, whether it is in the past or in the future, life and health are the most important and the most valuable, because only with health can you enjoy everything. This ranks first and will not accept any refutation.

Second, China’s A-shares

The stock market is currently at a low level. Foreign investors are buying in large quantities and valuations are at a low level. Coupled with the continuous improvement of the market, the concept of value investment continues to deepen. , the future of the stock market can be expected to be slow. At present, the golden decade of the real estate market has passed. The stock market will be the largest investment market, and it will also be one of the most stable opportunities with the largest profit potential in the future.

Third, real estate in first-tier cities

I think the third type is real estate in first-tier cities. Although the golden decade of the real estate market has passed, as first-tier cities, Beijing, Shanghai, Guangzhou and Shenzhen have large economies and dense populations. You can still enjoy the dividends brought by population, even if the rise in housing prices slows down and regulation is added. It will fluctuate within a range, but I think real estate in first-tier cities is still one of the best properties to maintain value.

The above are the things that I think can best preserve their value. The first is life and health, the second is the stock market, and the third is real estate in first-tier cities. Only the stock market and real estate market have the opportunity to outperform currency, and can maintain and increase value.

How many points should be divided into assets? 1. How much capital do you have? , if you have a million or so on hand, don’t invest in real estate, but invest in projects with an annual production capacity of between 400,000 and 500,000. For example, a hotel is a very good project, with an initial investment of 800,000. Between 1 million and 1 million, you can make a profit of about 30 per year. In three years, you can basically recover all your investment, which is very cost-effective. Second, if you have a net worth of 10 million to 100 million, then you should consider it. For long-term and stable investment, for example, find a securities company and invest 50 each. The income will be between 5 and 10 per year, which is still very good. Or if you invest, you can buy bonds or stock indexes and the income will be between 2 and 6. Time,

The most guaranteed assets in the future are houses, gold, and equity investors.

Let’s talk about houses first. Many people, including experts, say that the price of houses will drop. What I want to ask is, three years ago, the cost of construction workers was 150-180 yuan per day, but now it is 300-360 yuan. Environmental protection policy The cost of materials has also increased significantly. A house that originally took two years to be completed now takes three to four years to complete, and the construction cost has increased by one-third. On the one hand, people's income has increased, and the cost of houses has increased much more than before. The country also needs real estate. This aircraft carrier and marginal industries will drive the economy and consumption! In the future, it can only be said that the houses will be different in different regions, and the housing prices will form a seesaw price!

Gold is a bulk and rare commodity. International wealthy people and financial groups prefer to store gold! Follow your feelings

Equity investment, the United States and other developed countries are examples. Whoever has equity will control the wealth.

If time went back 10 years, what would you invest in? Needless to say, you must choose to buy a house. The skyrocketing housing prices in the past 10 years have widened the wealth gap between those who own houses and those who do not. What about the next 10 years? Besides a house, what other assets can best preserve their value?

1. Real estate

First let’s talk about houses. Real estate is a cyclical industry, and its prosperity depends on the quality of the macroeconomic situation. As long as my country's general trend is upward, real estate in central cities can not only maintain its value, but also appreciate; while second- and third-tier cities will also develop and their population will increase. The overall demand will still grow, and the value is expected to increase in the long term; as for small places such as fourth-tier cities, it is difficult to say whether they can maintain their value. In many places, there is already a net outflow of population, and demand is decreasing. There is less and less space to use traditional infrastructure investment to boost housing prices, so the inertia of rising housing prices will also become smaller and smaller.

But this is only from the perspective of self-occupation. If it is real estate speculation and investment, Feng Xiaojin believes that there is no need to consider it, because at this stage, whether it is the first or second tier, or the third or fourth tier, housing prices are relatively high. Moreover, after the regulation and control policies came out, the transaction volume in several major cities fell sharply. A large amount of funds were invested in real estate, and the liquidity risk was very high.

Knock on the blackboard, pay attention! Many people only consider housing when buying real estate, but ignore the shops! Think about it, there will continue to be an influx of people in first- and second-tier cities, and with the subsequent promotion of "equal rights for renting and selling", there is great potential for lower-level businesses in urban sub-centers or large residential areas along subway lines.

Nowadays, people’s lives are becoming more and more stressful. They go out early and come back late. It is normal for them to have dinner downstairs after work, or go to the fruit shop downstairs to buy some fruit. Therefore, the value of shops must be maintained and increased. The space is relatively large. Even if you don't plan to start a business, you can just buy and rent it out. Currently, there are no purchase restrictions in shops, so it's totally worth considering.

2. Fixed-income investment

For a long time in the past, the most conservative and stable investment and financial management was to go to the bank for fixed-term deposits and buy capital-guaranteed financial management. However, new regulations on asset management were introduced last year, requiring a break in rigid redemption, and bank financial management no longer guarantees principal and interest. If calculated based on the average inflation rate of 5% announced by the country in the past ten years, if you can buy financial management with a yield of 5%, you can basically guarantee that your assets will not shrink.

However, as the inflation rate and currency depreciation further increase, the rate of return of 5 can no longer meet our asset preservation needs. In the future, we can choose to allocate other fixed-income products with higher returns, such as bonds. Funds, P2P, etc.

It is worth noting that the P2P industry is accelerating the reshuffle after experiencing a thunderstorm. The leading platforms that can be left behind will eventually stand at the forefront of the industry and usher in a new round of development. Seizing the opportunity and choosing a reliable platform to invest is one of the ways to maintain and increase the value of your assets.

3. Private equity funds

Due to the relatively high initial investment amount and related income and asset thresholds, many people do not understand private equity funds. Compared with public funds, private equity funds pursue absolute returns, because the success of their fund managers depends on 20% performance commission.

Therefore, the more customers can make money, the fund managers themselves will also benefit. Therefore, from this perspective, private equity has more incentive to maximize investment and leave the most stable returns to clients and themselves.

Private equity funds should be one of the choices for asset allocation. When choosing products, you should choose some private equity companies with a long history and excellent historical performance as your asset managers. This is also one of the options for long-term value preservation in the future.

4. Equity investment

Equity investment has been hotly discussed for several years, but the industry has always questioned the transparency of equity information. After all, this is a long-term investment with closed operations and little information disclosure, so no one can rest assured! But I always hear that a certain company went public and made countless equity investors rich, making everyone ready to take action.

I would like to remind everyone here that equity investment does not necessarily make money. According to Seth Levine statistics, about 2/3 of many targets for VC diversified investment may be losses. But if a small number of them succeed, it can increase their overall income and the returns will be considerable. At present, the domestic equity investment market is not perfect, but there have been many successful cases in recent years. I believe that equity investment will also usher in its spring in the next 10 years.

5. Yourself

Buffett once said: "In the end, there is one investment that surpasses all other investments, and that is investing in yourself. No one can take away what you learn in yourself. , Everyone has such investment potential. ”

Investing in oneself not only means improving one’s abilities and obtaining more benefits, but also means changing the way of thinking. If we can re-examine our strengths and weaknesses from the perspective of investors, and awaken and work hard from the perspective of investors, then in 10 years you will become rich, both materially and spiritually.