What is the main investment direction of wealthy families?

It is difficult to start a business, and it is even harder to stay in business. The main investment direction of wealthy families is this sentence, which leads to education, equity and fund 1: What is a wealthy family?

Wealthy families are too general, and everyone has a different understanding of wealth. In other words, it is a high-net-worth customer or family with financial assets of more than RMB 5 million.

At present, there are more than 5 million and 400,000 families with financial assets in China. The total proportion of these families in China is less than 0.2%, but their wealth accounts for more than 30%, which should meet your standard of wealthy families.

Second, the main investment direction of wealthy families

1: education

The assets of wealthy families are largely deposited through the hard work of one or several generations. Some enlightened people think that children and grandchildren have their own children and grandchildren, leaving "start-up" funds, and most of the wealth will be returned to society and society or the country. For example, Buffett in the investment field only gives a part of Berkshire shares to his children, each of whom owns about $50 million worth of shares, and the rest promises to donate to the Bill Gates Fund for public welfare. Of course, most wealthy families still hope to inherit this wealth from their descendants. Based on this idea, most wealthy families still hope to inherit this wealth from their descendants.

There are only a few such wealthy families around, and the investment in education for the next generation is calculated at an average annual rate of 200,000. If you go to some developed countries for further study at an early age, it will be as high as 500 thousand a year.

In addition to investing heavily in children's education, these wealthy families also dare to spend a lot of money on further education. The last MBA was hundreds of thousands of millions, and the last presidential class was gilded, from tens of thousands to hundreds of thousands. ......

2. Equity

It is difficult for people without equity to inherit, and equity investment is also a very important investment direction for wealthy families. Combine finance and intelligence, find potential partners, and wealthy families graft capital and resources to help incubate some valuable projects and get higher returns. Since the 1980s, venture capital has gone global from the United States, and equity investment has become very common among wealthy families, such as investing in friends' networks or investing in the upstream and downstream of their own enterprises. .....

3. Funds

Wealthy families attach great importance to the efficiency of sleep wealth and money, so financial assets naturally become the third main investment direction of wealthy families.

According to the latest data of Forbes global billionaires, more than 60% of the assets of these billionaires exist in the form of equity and funds. The logic of investing in funds is very simple, allowing professional people to do professional things.

In the final analysis, these families are investing in the future (next generation education), investing in themselves (further study), investing in friends (equity) and investing in time (fund), which still has a strong enlightening effect on most people.

What is the main investment direction of wealthy families?

There are not many answers to this question, that is, real estate.

According to the data provided by relevant institutions, at present, real estate has occupied more than 70% of all family assets in China's family asset structure. The real wealth, that is, the proportion of real estate in all household assets, may be higher. In other words, in the past quite a period of time, all the rich families mostly invested their money in buying a house and turned all their money into real estate.

On the other hand, in today's wealthy families in China, a considerable part of them get rich by buying real estate. A few years ago, I relied on my courage, connections, courage, etc. They use their money to buy real estate by magnifying leverage, realize the rapid accumulation of wealth and enter the ranks of wealthy families, thus turning family property into a property structure with real estate as the core and few other properties. Therefore, there are often many assets and no money to buy a decent electrical appliance.

This is not a joke, but the inevitable result of serious distortion and imbalance of asset structure.

In addition to real estate, some wealthy families will also store some hard currency such as gold, that is, by storing hard currency, they can avoid the risks caused by excessive real estate and too single investment, spread risks and reduce asset losses caused by risks such as falling house prices. At the same time, many families have bought a large number of wealth management products, invested in the stock market and made equity investments. Make the investment more dispersed and the distribution more reasonable. Especially those who have a better understanding of the capital market will put more property into the stock market and the capital market and into the equity of enterprises, thus making the investment more value-added and more flexible. Only families who don't understand capital will have more and more real estate, and the possible risks will become bigger and bigger.

Of course, there are still some families who, for the benefit of the future, choose the investment direction of their children's education and health insurance while investing in some real estate, and buy a large number of education insurance, health insurance and old-age insurance to allocate assets for their future, prevent possible risks and reduce the harm caused by risks.

As a rich second generation, I tell you that this article will be dry and not very profound. There is only one reason why the rich get rich, making money with money. The rich were also poor before the accumulation of primitive capital, but after making a windfall, the rich began to make money. Why do you say that using Qian Shengqian will make you rich? It's short. People who don't rest in the capital should rest. People should not only rest, but also consume and consume capital. So if you want to get rich, you must rely on capital. It is wishful thinking to rely on wages.

At this time, a large group of experts must jump out. Isn't this nonsense? Everyone knows that Qian Shengqian is fast, but I have invested in real estate, stock market, funds and P2P. I have done so much, why am I still poor? The biggest difference between the rich and the poor is risk management. The poor people dare to take any risks in order to double quickly, which makes me jumpy. I mortgaged my house, took my parents' pension and borrowed it from my relatives and friends. I dare to use hundreds of thousands of dollars to triple leverage and five times leverage. As long as it falls by 10%, you have to make up the position. If it falls by 20%, you will lose everything. In China stock market, the daily limit is too normal. When the bull market comes, you'd better forget the pain and don't rush in. Therefore, because of the lack of risk control management, the poor will follow suit when they see others making money. See others lose money and follow suit. When you see P2P making money, you leave. You don't want to pay back more than 30% interest a year. Who can afford it? There is a saying in the financial world that if you don't manage your money, money will ignore you. But in most cases, if you take care of the money, it will be gone.

Ok, let's talk about how the rich invest. First of all, the rich have a strong sense of risk management and will not put all their eggs in one basket. Most small companies also know that they can't put eggs in one basket, but there is often only one egg. What do rich people invest in? The first thing that comes to mind is the house. When I have money, I will buy him 10 sets for rent and collect beads every day. Yes, this is a road. Real estate is the most effective low-risk and high-return investment method for ordinary people. But what will the rich think? The first consideration for the rich is the cost of owning a house. I have owned this house for at least five years. In the past five years, the house will occupy my money. If I invest 5% in the most guaranteed wealth management products, it will be 25% in five years. Can my house rise by more than 25% after 5 years in this area? Second, rich people will also invest in wealth management products, and set a red line of more than 6% income, and only buy them in regular banks, but also buy them in stages, and will not invest all their money in one bank and one wealth management product. There are also fund stocks, which are very risky. China stock market has nine bears and one cow. When the bull market comes, you can make money by closing your eyes, but if the bear market can't reach the top of 10%, don't go. As a leek, you cherish your life and stay away from the stock market. If you must buy something, what should you buy? Buy government bonds, buy government bonds to buy back. There are also some foreign exchange, dividend insurance, low risk and low income, which the rich especially like.

At this time, experts jumped out and said, what's the difference between doing this and depositing in a bank? It really doesn't make much difference. The price difference is 2%-3% higher than that of the bank, but this is the bottom risk of 2%. If a rich man has 6,543,800,000 yuan, through the appeal operation, the annual income is 5%, which is 500,000. 500,000 yuan is a considerable income even in first-tier cities, which is equivalent to the annual income of a family in second-and third-tier cities. This is the investment of the rich. Looking at the low return but high risk, if the rich man insists on this investment method for 20 years, imagine what the level of 5% capital will be every year after 20 years. An old man named Buffett in America did just that. He earns a small sum of money every year. My father has been doing this for 25 years, and now he has given me the baton.