First, look at the success stories. No matter what all the big names say, our national character has always had the gene of talking about the East and the West. Words are not reliable. The key is to look at the facts.
The famous family fortune of the Kennedy family was built on real estate investment.
Let's look at the people around us first./kloc-How many people got rich by investing in real estate and how many things got rich by insurance financing in the past 0/00 years? Let's look at the rich in major economic powers. How many of them are owners and how many have bought a lot of insurance.
Therefore, it should be obvious which is better to invest in real estate or insurance financing.
Second, use data to talk about the yields of these two investments.
Since the country began to liberalize commercial housing in 1996, the average annual growth rate of housing in first-tier cities is around 18%, slightly lower in second-and third-tier cities, and most cities should be above 12%. The insurance investment experts that can be seen in the domestic market should be regarded as social security funds. In the stock market with the highest yield, the annual yield of social security funds is less than 8%. In domestic life insurance financing, the general rate of return for the insured should be 4%-5%, which means that the general rate of return for insurance financing is between 4%-5%. Compared with real estate investment and insurance financing, the yield difference is 2-3 times, which is not too big.
Iii. Functions of two investment channels 1. investment in real estate
The function of real estate is mainly the actual use of living and office and the appreciation of real estate. Real estate, also known as real estate, has the characteristics of high security and good stability. High-quality real estate also has the characteristics of strong ability to maintain and increase value. In human history, real estate has always been regarded as an investment channel for this kind of wealth storage and wealth appreciation.
2. Insurance financing
Judging from the rate of return, some wealth management insurance mainly aims at bank wealth management products, and its target rate of return is similar. The current situation is 4%-5%. In addition, the main goal of insurance financing is to smooth and stabilize the insurer's future cash flow and prevent the future cash flow from ups and downs. Therefore, from this perspective, insurance financing is not a good investment channel, but a better guarantee channel.
Specifically, insurance financing may have the following characteristics:
Maintain cash flow like life; Compulsory savings; Asset inheritance and debt isolation; Lock in future earnings; The role of financing loans.
Fourth, according to your own situation, choose the right investment channels. Although on the whole, investing in real estate is generally superior to insurance financing in investment declaration, we should also pay attention to the fact that investing in real estate has passed the day of making money with closed eyes in the future.
Before investing in real estate, investors should learn professional knowledge in order to choose cities and regions, publicize the types of real estate and choose financial arrangements.
For example, avoid third-and fourth-tier cities and small counties in the central and western regions, avoid shops, and rationally use real estate investment leverage. ....
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