Have spare money in hand, buy gold or buy a house to preserve the value?

There are many different views on buying a house online, and all kinds of opinions are very confusing. I don't know how to choose.

For the working class, whether investing in buying a house or depositing it in a bank, they all do it with the idea of preserving and increasing value. What I want to say is that for families with children, we must leave enough for them, because no one can guarantee that there may be unexpected expenses one day. Saving money, buying a house or buying wealth management products are all ways to preserve and increase your money, which is both safe and risky. If diversified investment is the safest, it depends on which one you choose.

Let's talk about buying a house first In fact, many years ago, the state explicitly required that the property rights of houses should be used for living. I think as a citizen living in a small city in the third and fourth tier, he may feel more empathy. Of course, this does not mean that the overall trend of housing prices will go down, but it is unlikely that there will be a sharp rise. The gap between housing prices in big cities and those in small and medium-sized cities will become more and more obvious in the future. Because big cities have the advantages of public resources such as transportation, education, medical care, employment, etc., they will form great attraction to the foreign population, that is, siphon effect; However, small cities not only do not have these advantages, but also have limited population growth, so the just-needed motivation to drive up housing prices is weak.

I also agree with the view that houses can preserve their value. Indeed, we can all feel that the purchasing power of money is getting smaller and smaller. Five years ago and five years later 100 yuan can buy things very different. Maybe you have enough RMB to buy a house now, but after five years, the money will definitely not buy a house in the same lot. The location of buying a house is very important. At this stage, although the housing prices in many places are unstable and some areas have begun to fall, the housing prices in school districts and well-equipped areas are still rising steadily.

If you really need to buy improved housing, you may wish to consider a house in a prime location, which can be invested or occupied by yourself. If you want to buy more physical objects for your children in the future, you can also consider going to the surrounding big cities.

Let's talk about saving money and buying wealth management products first. There are many ways to manage money, saving money is also a kind of financial management, and the concept of financial management is very important. Safer ones, such as buying some precious metals. You can also buy some potential corporate equity, or buy a little money fund, which will not bring depreciation or loss in the short term. It should be noted that in many money funds, the income will be higher than the bank's time deposit yield, and the risk will be higher. Only by keeping an eye open and comparing carefully can the rational asset allocation reduce the risk and improve the income.

Investment needs to be cautious. Of course, you can also consider choosing appropriate investments, such as investing in some industries in the city, such as brand benefit stores, such as construction and development.