美國(guó)：窮人炒房，富人炒股
??? 上圖為不同收入水平的人心目中的最佳投資渠道。來源：蓋洛普
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??? 其次，人們似乎更傾向于把自己選擇的投資方式說成是“最好的”。據(jù)蓋洛普調(diào)查顯示： ????美國(guó)高收入人群更可能認(rèn)為房地產(chǎn)和股票是最佳投資對(duì)象，這是因?yàn)樗麄冇羞M(jìn)行這類投資的經(jīng)驗(yàn)。高收入人群擁有住房的比例最高，為87%，其次是中等收入人群（66%）和低收入人群（36%）。蓋洛普調(diào)查發(fā)現(xiàn)，房屋所有人（33%）比承租人（24%）更有可能認(rèn)為房地產(chǎn)是長(zhǎng)期投資的最佳選擇。 ????所以，雖然美國(guó)富人最有可能理解股票可以帶來更高的回報(bào)，但他們也難免會(huì)認(rèn)為，他們正在做的事情（即擁有房屋）是明智的。 ????當(dāng)然，這項(xiàng)分析理所當(dāng)然的認(rèn)為“最好的”就意味著能夠帶來最多財(cái)富。而人們之所以投資房地產(chǎn)，可能還有其他原因。在理論上，投資人將房屋出租，把節(jié)省的稅費(fèi)、抵押貸款利息和維護(hù)成本投入到股票市場(chǎng)，這種做法是可行的，但在現(xiàn)實(shí)生活中卻難以實(shí)施。首先，人的時(shí)間有限：他們要把大量時(shí)間用于尋找一個(gè)適合居住的好地方，可能沒有時(shí)間明智地管理證券投資。其次，擁有房屋是迫使自己省錢的很好的方法，因?yàn)槟惚仨氈Ц栋唇屹J款，否則將面臨失去房子的風(fēng)險(xiǎn)。 ????無論出于何種原因，如果你決定將額外的資金投入到房地產(chǎn)市場(chǎng)，你應(yīng)該清楚自己這么做的具體理由。只要你不指望房產(chǎn)能在通脹調(diào)整基礎(chǔ)上帶來大量的財(cái)富，那就放手去投資吧。（財(cái)富中文網(wǎng)） ????譯者：劉進(jìn)龍/汪皓 |
????Secondly, it appears as if people are likely to say investments they own are the "best." According to the Gallup report: ????Upper-income Americans are much more likely to say real estate and stocks are the best investment, possibly because of their experience with these types of investments. Upper-income Americans are most likely to say they own their home, at 87%, followed by middle (66%) and lower-income Americans (36%). Gallup found that homeowners (33%) are slightly more likely than renters (24%) to say real estate is the best choice for long-term investments. ????So wealthy Americans are the most likely to understand that stocks provide the best chance for a higher return, but they are also not free of the tendency to think that the thing they are doing (in this case, owning a home) is the intelligent thing to do. ????Of course, this analysis takes for granted the idea that "best" necessarily means the investment that is most likely to make you the most money. There are, of course, other reasons why people might decide to invest in real estate. While it theoretically might make sense for an investor to rent his home and plow the money he saves on taxes, mortgage interest, and maintenance into the stock market, such a strategy might not work in the real world. First of all, people have limited time: They're going to spend a lot of energy choosing a good place to live, and might not also have the time to wisely manage securities investments too. Secondly, owning a home is a great way to force yourself to save money, as each mortgage payment is something you have to make, lest you risk losing your home. ????Either way, if you decide to put your extra cash into real estate for these reasons, you should be aware that this is the reason you're doing it. As long as you don't expect your home to make you a lot of money on an inflation-adjusted basis, invest away. |
