Then make a comparison, which is more valuable after ten years? First of all, the periodicity of ten years is too long. After ten years, no one can predict what will happen. Just like ten years ago, that is, in 2000, no one can believe that you don't need to bring cash when you go out in 202 1 year ten years later. So let's talk about it today, which is the most valuable? What are the most valuable things in ten years?
500 thousand's property Comparing 500,000 real estate with 500,000 deposits, there are few houses with a total price of 500,000 in third-and fourth-tier cities, and there are basically more counties.
As we all know, there are more houses than people. If we add up the number of houses in China, there are two sets of people who are redundant. The value of a house does not depend on how luxurious it is, but on its location.
Give a simple example. 100 square meters of thatched cottage is placed in the countryside, so its value is very low. It is also 100 square meters of dilapidated thatched cottage, which is placed next to Shanghai Tomson Yipin House.
According to the current price of houses near Tomson Yipin. Then this 100 square house is worth more than 20 million at least. So the price of the same house depends on its location.
Even if the domestic real estate is saturated after ten years, the price of a house in a good location will always be the most valuable. However, the location of a 500,000-yuan property must be the county seat, so it will definitely depreciate in ten years, not increase in value.
The most difficult thing is its poor liquidity. No one wants to spend hundreds of thousands of dollars to buy a second-hand house in a county for many years. In the county, there are still a lot of new houses, and who will buy a second-hand house? So ten years later, I personally feel that 500,000 properties are the least valuable.
Because it gives us a message that the property is 500,000 yuan, then its first lot is the county seat, and the most valuable thing of the house is its lot. Houses in county lots don't keep their value at all.
500 thousand's deposit In this society, whether three years or ten years later, cash will always be king. Ten years from now, no one can predict what will happen. What if there is another financial crisis? If there is another financial crisis, the house will be even more worthless, and the person who holds the most cash flow will become the winner.
We must find out what a financial crisis is. The financial crisis is that the bubble assets are higher than their actual assets, and the vacant part of the funds leads to a chain reaction among all enterprises. This is also the financial crisis, many enterprises began to sell their assets, used to do cash withdrawal, to fill the gap in cash.
At that time, cash was more important, and these houses were even less valuable. Some people will say that a deposit of 500,000 yuan will definitely be devalued by inflation after ten years, and the purchasing power of coins is only 250,000 yuan.
But you have to know that in the future, even if inflation and the devaluation of coins get worse, you have to have cash deposits. Without cash deposits, there will be problems in eating and drinking. Therefore, with a deposit of 500,000 yuan, as long as you choose the right investment method, after ten years, it will definitely be more valuable than a property of 500,000 yuan.
1, 500,000 investment in gold. Well said, antiques in prosperous times and gold in troubled times, I have read an article before. When a national army goes to other countries to do tasks for a long time, it will basically not bring cash, but some gold watches, bullion and other things.
In some countries, they don't agree with other countries' coins, but they do agree with gold, so no matter which dynasty or country gold is, it will always be hard currency.
After ten years, the price of gold will definitely rise. Although the price of gold has gone up and down now, the final price will definitely rise. My 500,000 yuan is your idle fund. If you don't know what to do with it, you can also buy gold. Just remember, you must buy it at the lowest price. Never buy those jewelry gold, but buy some gold nuggets. Its value will be higher.
When the price of gold rose to a certain height, it directly resold the 500 thousand gold it had bought before, and earned some profits in the middle. Choose a market with a low price of gold to buy, and if you hold it for a long time, you will buy it low and sell it high. Ten years later, it will definitely be more valuable than a 500,000 property.
2. Deposit in the bank. This method is suitable for us ordinary people, and it is the best, most stable and safest deposit method for those who don't understand the stocks of wealth management funds. The bank's time deposit can be said to be the only product with guaranteed capital and interest. As long as you put it in, its interest is absolutely stable and its principal is absolutely safe.
The 100,000 proposal is divided into two parts, 200,000, one part, 300,000 and one part, which are deposited in small and medium-sized banks for a fixed period of five years. The interest rate of five-year certificates of deposit at the People's Bank of China is 4.8%. Let's say that this 500,000 yuan is deposited in two different private banks.
The annual interest income is: 50 (ten thousand) *4.8% (interest rate) = 24,000 yuan.
Why do you say it should be divided into two strokes?
Because considering that the amount of deposit insurance regulations is 500,000 yuan, and small and medium-sized banks do have the risk of bankruptcy, it is not more than 500,000 yuan to divide them into two, so that deposits can be foolproof and eggs cannot be put in the same basket. Everyone should know.
3. Financial management fund. This kind of investment is not recommended for everyone to try, unless those who have the ability to bear the loss can try.
The higher the income, the higher the risk. The wealth management fund does not guarantee the principal and interest. It is possible to give you a gain of two or three thousand yuan today, and lose 20% tomorrow, taking away your principal of 20,000. This kind of investment risk is not suitable for everyone, but it is also one of the ways to preserve value.
The above is my personal opinion, not everyone's. I hope everyone can treat it rationally. After ten years, 500,000 deposits will be more valuable.
Because within ten years, this 500,000 yuan can be invested in something else, and the income brought by others is much higher than that of the 500,000 yuan property. Can you imagine that third-and fourth-tier cities have houses with a total price of 500,000?
Only some counties, and some counties have more than 700,000 to 800,000 houses. Do you think there is room for improvement after ten years of houses here? Looking at the current domestic real estate market, there are more houses than people. If you say that this house is urgently needed and you just don't have a house, you can buy this house. If you have a house, then it is not recommended to invest in it.
In the future, these situations are the most valuable and valuable.
1, food. Food is the most important thing for the people, whether you are a millionaire, billionaire or ordinary people with only tens of thousands of dollars in savings. You must eat every day. In the future, food is the most valuable. In case of disaster and war, is money still valuable?
I saw a movie about famine. When there was a famine in the movie, money was worthless, but food was what everyone really needed. Without money and food, we could survive. Without money and food, we could not survive at all.
In this case, food is in short supply. Do you think money can buy food? So in the future, I think food is more valuable. What's more, the gold mentioned above is also valuable.
2. Labor force. High-rise buildings in the city, building after building, can not run away from the labor force, especially migrant workers. Now some enterprise factories are all mechanized, and AI intelligent robots are used instead of labor.
Not all AI intelligent robots can replace all manual work. Some things must be done manually by labor, not robots. Now the aging is getting worse. What should we do when this batch of labor is old in the future? Young man, who will go to work on the construction site?
So at that time, the labor force was more valuable, and the price of labor force would be ten times or even higher than now.
3, high-end scientific research and technical personnel. High-end scientific and technical personnel are always the most sought after. A high-end technical personnel and talents are always the most valuable. He can bring great progress and changes to our country.
In the future, such talents and technicians are the people who are really needed, and they are also a group of pillars that can promote the development of national science and technology, so they are the most valuable.
At the end: whether it is a 500,000 deposit or a 500,000 real estate, you have to make a decision according to your own actual situation in order to maximize the benefits. On the whole, I personally feel that it is more valuable to have a 500,000 deposit, which can be used to do some other investment things.
However, if you buy 500,000 houses in the county, you will not be able to sell them, and you will be given certain property fees, garbage fees and certain expenses every year.
Which one of these two is the most valuable?