你也許會(huì)以為,如果向沃倫·巴菲特征求投資建議,這位億萬(wàn)富翁一定會(huì)吹噓自己長(zhǎng)期持有的可口可樂(Coca-Cola)或美國(guó)運(yùn)通公司(American Express)股份。但今天(8月30日)剛滿93歲的巴菲特卻表示,他持有的伯克希爾-哈撒韋公司(Berkshire Hathaway)股份不如他多年來(lái)的個(gè)人投資帶來(lái)的回報(bào)亮眼。
其中最令人驚嘆的投資就是巴菲特在奧馬哈那套眾所周知的住宅。1958年,巴菲特和如今已故的妻子蘇珊(Susan)以3.15萬(wàn)美元(相當(dāng)于今天的約33.67萬(wàn)美元)的價(jià)格買下了它,自此他便一直居住在那里。然而,房屋市場(chǎng)的價(jià)值遠(yuǎn)比通脹率增長(zhǎng)得更快——Realtor.com的數(shù)據(jù)顯示,這套房產(chǎn)目前的價(jià)值超過(guò)140萬(wàn)美元,約增值4300%,創(chuàng)下了巴菲特標(biāo)志性的回報(bào)率。
長(zhǎng)期以來(lái),這位世界聞名的投資者一直表示,這套五居室住宅的回報(bào)僅次于他的兩枚結(jié)婚戒指。他在2010年伯克希爾-哈撒韋公司致股東的信中寫道:“總體來(lái)看,我做過(guò)的最好的投資就是買下我的住宅——盡管如果我選擇租房,然后將購(gòu)房的資金用來(lái)買股票,我會(huì)賺得遠(yuǎn)遠(yuǎn)更多。”不過(guò),像許多購(gòu)房者一樣,巴菲特并沒有僅從金錢的角度來(lái)看待這筆投資?!拔一?.15萬(wàn)美元買下我們的房子,這讓我和我的家人獲得了52年的美好回憶,而且未來(lái)還會(huì)有更多?!?/p>
盡管巴菲特是世界上最富有的人之一,但他遠(yuǎn)沒有其他億萬(wàn)富翁那么浮華。財(cái)經(jīng)媒體經(jīng)常報(bào)道稱他喜歡吃麥當(dāng)勞的早餐并喝一罐(或五罐)可樂。據(jù)《華爾街日?qǐng)?bào)》(Wall Street Journal)報(bào)道,他曾開過(guò)一輛裝上了刻有“節(jié)儉”二字的個(gè)性車牌的汽車。
他位于伯克希爾-哈撒韋公司辦公室附近的家是體現(xiàn)其節(jié)儉的著名例子之一。這是他目前的個(gè)人投資組合中唯一的房產(chǎn)。
彭博億萬(wàn)富翁指數(shù)(Bloomberg Billionaire Index)顯示,巴菲特當(dāng)前的身價(jià)約為1200億美元,他在2017年對(duì)美國(guó)消費(fèi)者新聞與商業(yè)頻道(CNBC)表示:“我不會(huì)拿這套房產(chǎn)來(lái)?yè)Q取任何東西?!?/p>
據(jù)《華爾街日?qǐng)?bào)》報(bào)道,雖然這是巴菲特最著名的住所,但他之前也在奧馬哈的另一處住宅住過(guò)幾年。更為奢侈的一面是,巴菲特還擁有過(guò)一座在加州拉古娜海灘(Laguna Beach)上的海濱別墅,他在上世紀(jì)70年代以15萬(wàn)美元的價(jià)格購(gòu)買了這座別墅,并在2018年以750萬(wàn)美元左右的價(jià)格將其出售。
自從巴菲特1958年買下他的住宅以來(lái),美國(guó)的房地產(chǎn)市場(chǎng)發(fā)生了巨大的變化。如今,美國(guó)各地的房?jī)r(jià)急劇上漲,房貸利率僅在過(guò)去幾年里就翻了一倍多。由于房屋庫(kù)存有限,人們現(xiàn)在比以往任何時(shí)候都更難找到買得起的房子。例如,RedFin的數(shù)據(jù)顯示,當(dāng)前奧馬哈的房?jī)r(jià)中位數(shù)約為27.5萬(wàn)美元,遠(yuǎn)低于全美的房?jī)r(jià)中位數(shù),但幾乎是巴菲特當(dāng)時(shí)支付的房?jī)r(jià)的9倍。
正如巴菲特本人在2010年的信中所寫的那樣,當(dāng)購(gòu)房容易讓人倍感壓力時(shí)(美國(guó)整個(gè)社會(huì)的現(xiàn)狀正是如此),租房可能是更明智的做法,這要視個(gè)人的財(cái)務(wù)狀況而定。即使是超級(jí)富豪,如果不謹(jǐn)慎投資,也會(huì)入不敷出。如今,人們的負(fù)擔(dān)能力大幅下降,這一警告更是不無(wú)道理。
巴菲特寫道:“如果購(gòu)房者眼大荷包小,而貸款機(jī)構(gòu)(通常受到政府擔(dān)保的保護(hù))又助長(zhǎng)其幻想,那么買房會(huì)是一場(chǎng)噩夢(mèng)。我們國(guó)家的社會(huì)目標(biāo)不應(yīng)該是讓家庭住進(jìn)夢(mèng)想的房子,而應(yīng)該是讓他們住進(jìn)負(fù)擔(dān)得起的房子?!保ㄘ?cái)富中文網(wǎng))
譯者:中慧言-劉嘉歡
你也許會(huì)以為,如果向沃倫·巴菲特征求投資建議,這位億萬(wàn)富翁一定會(huì)吹噓自己長(zhǎng)期持有的可口可樂(Coca-Cola)或美國(guó)運(yùn)通公司(American Express)股份。但今天(8月30日)剛滿93歲的巴菲特卻表示,他持有的伯克希爾-哈撒韋公司(Berkshire Hathaway)股份不如他多年來(lái)的個(gè)人投資帶來(lái)的回報(bào)亮眼。
其中最令人驚嘆的投資就是巴菲特在奧馬哈那套眾所周知的住宅。1958年,巴菲特和如今已故的妻子蘇珊(Susan)以3.15萬(wàn)美元(相當(dāng)于今天的約33.67萬(wàn)美元)的價(jià)格買下了它,自此他便一直居住在那里。然而,房屋市場(chǎng)的價(jià)值遠(yuǎn)比通脹率增長(zhǎng)得更快——Realtor.com的數(shù)據(jù)顯示,這套房產(chǎn)目前的價(jià)值超過(guò)140萬(wàn)美元,約增值4300%,創(chuàng)下了巴菲特標(biāo)志性的回報(bào)率。
長(zhǎng)期以來(lái),這位世界聞名的投資者一直表示,這套五居室住宅的回報(bào)僅次于他的兩枚結(jié)婚戒指。他在2010年伯克希爾-哈撒韋公司致股東的信中寫道:“總體來(lái)看,我做過(guò)的最好的投資就是買下我的住宅——盡管如果我選擇租房,然后將購(gòu)房的資金用來(lái)買股票,我會(huì)賺得遠(yuǎn)遠(yuǎn)更多?!辈贿^(guò),像許多購(gòu)房者一樣,巴菲特并沒有僅從金錢的角度來(lái)看待這筆投資?!拔一?.15萬(wàn)美元買下我們的房子,這讓我和我的家人獲得了52年的美好回憶,而且未來(lái)還會(huì)有更多?!?/p>
盡管巴菲特是世界上最富有的人之一,但他遠(yuǎn)沒有其他億萬(wàn)富翁那么浮華。財(cái)經(jīng)媒體經(jīng)常報(bào)道稱他喜歡吃麥當(dāng)勞的早餐并喝一罐(或五罐)可樂。據(jù)《華爾街日?qǐng)?bào)》(Wall Street Journal)報(bào)道,他曾開過(guò)一輛裝上了刻有“節(jié)儉”二字的個(gè)性車牌的汽車。
他位于伯克希爾-哈撒韋公司辦公室附近的家是體現(xiàn)其節(jié)儉的著名例子之一。這是他目前的個(gè)人投資組合中唯一的房產(chǎn)。
彭博億萬(wàn)富翁指數(shù)(Bloomberg Billionaire Index)顯示,巴菲特當(dāng)前的身價(jià)約為1200億美元,他在2017年對(duì)美國(guó)消費(fèi)者新聞與商業(yè)頻道(CNBC)表示:“我不會(huì)拿這套房產(chǎn)來(lái)?yè)Q取任何東西。”
據(jù)《華爾街日?qǐng)?bào)》報(bào)道,雖然這是巴菲特最著名的住所,但他之前也在奧馬哈的另一處住宅住過(guò)幾年。更為奢侈的一面是,巴菲特還擁有過(guò)一座在加州拉古娜海灘(Laguna Beach)上的海濱別墅,他在上世紀(jì)70年代以15萬(wàn)美元的價(jià)格購(gòu)買了這座別墅,并在2018年以750萬(wàn)美元左右的價(jià)格將其出售。
自從巴菲特1958年買下他的住宅以來(lái),美國(guó)的房地產(chǎn)市場(chǎng)發(fā)生了巨大的變化。如今,美國(guó)各地的房?jī)r(jià)急劇上漲,房貸利率僅在過(guò)去幾年里就翻了一倍多。由于房屋庫(kù)存有限,人們現(xiàn)在比以往任何時(shí)候都更難找到買得起的房子。例如,RedFin的數(shù)據(jù)顯示,當(dāng)前奧馬哈的房?jī)r(jià)中位數(shù)約為27.5萬(wàn)美元,遠(yuǎn)低于全美的房?jī)r(jià)中位數(shù),但幾乎是巴菲特當(dāng)時(shí)支付的房?jī)r(jià)的9倍。
正如巴菲特本人在2010年的信中所寫的那樣,當(dāng)購(gòu)房容易讓人倍感壓力時(shí)(美國(guó)整個(gè)社會(huì)的現(xiàn)狀正是如此),租房可能是更明智的做法,這要視個(gè)人的財(cái)務(wù)狀況而定。即使是超級(jí)富豪,如果不謹(jǐn)慎投資,也會(huì)入不敷出。如今,人們的負(fù)擔(dān)能力大幅下降,這一警告更是不無(wú)道理。
巴菲特寫道:“如果購(gòu)房者眼大荷包小,而貸款機(jī)構(gòu)(通常受到政府擔(dān)保的保護(hù))又助長(zhǎng)其幻想,那么買房會(huì)是一場(chǎng)噩夢(mèng)。我們國(guó)家的社會(huì)目標(biāo)不應(yīng)該是讓家庭住進(jìn)夢(mèng)想的房子,而應(yīng)該是讓他們住進(jìn)負(fù)擔(dān)得起的房子?!保ㄘ?cái)富中文網(wǎng))
譯者:中慧言-劉嘉歡
Ask Warren Buffett for investment advice, and you might expect the billionaire CEO to tout his long-held stakes in Coca-Cola or American Express. But according to Buffett, who turns 93 today, his Berkshire Hathaway holdings are less impressive than the personal investments he’s made throughout the years.
Among the best: the Omaha house he has famously lived in since 1958, when he and his late wife Susan bought it for $31,500, or around $336,700 in today’s dollars. But the housing market has grown in value much faster than the rate of inflation—The home is now worth over $1.4 million, according to Realtor.com, which at roughly 4,300% is a trademark Buffett rate of return.
The world-famous investor has long said the five-bedroom home comes in just behind his two wedding rings in terms of payoff. “All things considered, the third best investment I ever made was the purchase of my home, though I would have made far more money had I instead rented and used the purchase money to buy stocks,” he wrote in a 2010 Berkshire Hathaway letter to shareholders. Like many homebuyers, though, he didn’t look at it purely from a dollar-and-cents perspective. “For the $31,500 I paid for our house, my family and I gained 52 years of terrific memories with more to come.”
Despite being one of the richest men in the world, Buffett is far less flashy than some of his fellow billionaires. The financial media is rife with reports of his love for McDonald’s breakfasts and a crisp can (or five) of Coke. He once drove a car with a vanity license plate that read “THRIFTY,” according to the Wall Street Journal.
His home, which is located close to Berkshire Hathaway’s corporate offices, is one of the better-known examples of his frugality. It is currently the only real estate in his personal portfolio.
“I wouldn’t trade it for anything,” Buffett, who is currently worth around $120 billion, according to the Bloomberg Billionaire Index, told CNBC in 2017.
Though it’s his most famous residence, Buffett had also lived in a different Omaha home for a few years previously, according to the Wall Street Journal. On the more extravagant side, he also owned a beach house in Laguna Beach, Calif., which he bought for $150,000 in the 1970s and sold for around $7.5 million in 2018.
The real estate market in the U.S. has changed significantly since Buffett bought his home in 1958. Now, prices across the country have increased precipitously, and interest rates have more than doubled in just the past few years. With limited inventory, it’s harder to find a home to buy at all than it’s ever been. For instance, the median home price in Omaha today is around $275,000, according to Redfin, well below the national median but almost nine times what Buffett paid for his house.
As Buffett himself wrote in the 2010 letter, while it is easy to feel pressured into buying a home—and all it represents in American society—it can be smarter to rent, depending on your personal financial circumstances. Even the ultra wealthy can overextend themselves if they’re not prudent. That warning rings even truer today, when affordability has deteriorated so much.
“A house can be a nightmare if the buyer’s eyes are bigger than his wallet and if a lender—often protected by a government guarantee—facilitates his fantasy,” Buffett wrote. “Our country’s social goal should not be to put families into the house of their dreams, but rather to put them into a house they can afford.”