Sei Do The Rich Cope With Inflation?
08/20/2022
Ndakashamiswa kunzwa shamwari yangu yekare Tom achitaura nezve real estate roller-coaster investment experience.
Tom akatanga hupenyu hwake hwebasa muna 2011. Kusiyana neni, akatanga kudyara zvivakwa kubva muna 2014. Kunze kwemari yake yemazuva ese, mamwe matura ake anoiswa mumusika wezvivakwa.
Pamusoro pazvo, akatokwereta mari kuvakweretesi vakasiyana kuti vatenge dzimba.Pakazosvika gore ra2017, pangangodaro paine zvishanu kana zvitanhatu zvekudyara zvivakwa mumaoko ake.
Tom akaburitsa ruzivo rwemari yake yegore rekudyara inouya nezve maviri masosi:
Kuyerera kwemari yezvivakwa zvekuroja.
Kutengeswa zvivakwa zvakachengetwa kwegore rimwe kana maviri, madzosero anenge asvika kusvika ku10% kana dzimwe nguva kutokwira.
Basa rakadaro rinopa mubayiro rekudyara rinomutungamira kusiya basa muna Kurume 2017 uye akazova muridzi wenguva yakazara mushure meizvozvo.
Kusvika iye zvino, mari yake yerendi yepagore inogona kusvika kuzana rezviuru zvemadhora;uyezve, sezvo mutengo weimba uchikwira, kukosha kwenzvimbo yekudyara kunowedzera zvakanyanya.
Muchokwadi, iyo real estate musika yanga iri "inopisa-yakakodzera kudyara" chirongwa chevatengesi vepasi rose kubvira kuma1990.Vagadziri vemari vanodyara muzvivakwa, kwete chete kurwisa inflation, chengetedza mutero, asi zvakare kushandisa nhanho zvinobudirira.Chengetedza mari mumusika wezvivakwa inogona kubatsira vanoisa mari kuti vawane mari yakagadzikana mumakore mashoma, zvakare inogona kubatsira vanoisa mari kuti vawane budiriro yemidziyo mune ramangwana.
Iine yakagadzikana mari yekurojesa kubva kune yekudyara zvivakwa uye pfuma pachayo inokosha inokura nekufamba kwenguva.Real estate yakaonekwa seyakanakisa hedge yekurwisa inflation.
Zvinoenderana nenhoroondo data, kunze kweiyo subprime mortgage dambudziko muna 2007, mutengo wemusika wekutengesa hauna kumbobvira wadonha.Kubva 1992 kusvika 2021, mitengo yezvivakwa yakakwira neavhareji ye4% pagore, yakada kufanana yakakwira kupfuura mwero wepagore wekukwira kwemitengo panguva imwe cheteyo.
Kunobva kuFederal Housing Finance Agency.
Vagadziri vemari vanogona kuwana mibairo mikuru nekushandisa mashoma nezve mari.
Semuyenzaniso:
Kana mutengesi achida kutenga mashizha ane mari inosvika $500,000, anofanira kuisa $500,000 mukati.
Asi kana mutengesi akatenga pfuma ye $ 500,000, angangoda kuisa $ 200,000 mumusika uye kumirira kuti mutengo weimba ukure kusvika $ 500,000.
Semuenzaniso: kutenga $500,000 stock, kazhinji unofanirwa kuisa $500,000 mukati. Asi kana ukatenga $500,000 pfuma, unogona kungoisa $200,000 uye kumirira kuti mari yacho ikure kusvika $500,000.
Pamusoro pezvo, musika wekurojesa unoramba uchiona kuwedzera kusati kwamboitika, iine rekodhi zviuru mazana manomwe emayunitsi akarendwa kubva pachikamu chekutanga cha2021 kusvika pachikamu chekutanga cha2022, zvakapetwa kaviri paavhareji yemakore mashanu apfuura.
Kazhinji, mutengo werendi unokwira kana muridzi wemba achida kumutsiridza iyo lease.Saka mari yezvivakwa inoita kuti ikure nekukurumidza munzvimbo yeinflation.
Kwakabvahttps://wallstreetcn.com/
Iyo ichangoburwa data kubva kuDhipatimendi reVashandi yakaratidza kuti mutengo wevatengi wakakwira 8.5% muna Chikunguru kubva pagore rapfuura, uchiri paanoda kusvika makore gumi akakwira, uye kukwira kwemitengo kwakadai kuri kukonzera kudzikira kwemidziyo yakaiswa.
Kana paine chero nzira yekudyara mumamiriro ekukwira kwemitengo yakakwira, mhinduro inofanirwa kunge iri kukwereta zvakawanda kubva kumabhangi.Vanoisa mari vakachenjera vanofanira kudzidza nzira yekukwereta yakawanda kuti vawane mari.
Kutaura zvazviri, kana mwero weinflation uchienzana nemari yako yekukwereta, zvakafanana nekukwereta mari mahara;kana inflation yakakwira kudarika mari yekukwereta, saka mabhanga nehurumende vari kukubhadhara imwe mari.
Saka sei kukwereta iyo yakawanda mari kubva kubhangi pane yakakodzera mubereko mukati mehupfumi?Chinokosha ndechekuisa mari mumusika wekutengesa zvivakwa!Unofunga kutenga chivakwa nemari yese ichave nzira kwayo yekurwisa inflation kunyanya sezvo inflation yave pa8% nguva pfupi yadarika?
Kana uine $500,000 mumari uye ukaishandisa kutenga $500,000 chivakwa, uchifungidzira kuti iyo nzvimbo yakakosheswa kusvika kumadhora mazana matanhatu ezviuru mushure memakore mashanu, ipapo chiyero chemakore mashanu chekudzoka chichava makumi maviri% (Pasi pemamiriro akanaka) .Zvisinei, kuwedzera kwe $ 100,000 kunogona kusakwira nehuwandu hwekuwedzera kwemari.
Asi kana ukakwereta mari kubhanga, unogona kushandisa $500,000 kutenga zvivakwa zviviri nemari yapera makore mashanu, uchawana zvivakwa zviviri zvine mutengo wese $1.2M.Zvadaro kudzoka kwako kwemakore mashanu kunogona kusvika ku140% {($1,200,000-$500,000)/$500,000=140%, Pasi pemamiriro ezvinhu akanaka uye tichifunga kuti mari yekurojesa kubva mumba yakakura kudarika mari yechikwereti}!
Mienzaniso iri pamusoro inoratidza kuti haisi iyo real estate yawakatenga inogona kukubatsira kuramba inflation;ndicho chikwereti chemhando yepamusoro chawakapa mari chinogona kukubatsira kurwisa inflation uye kukura hupfumi hwako.
Isu tine nhau dzakanaka kune vese varidzi vezvivakwa, chirongwa chedu chitsva: Hapana Doc, Hapana Chikwereti!Mubereko wakaderera kusvika pa6.25%!
Makore mana chete P&I reserves inodiwa!Iyo yakasarudzika nzira yekukwereta ichakubatsira iwe kukunda inflation zviri nyore!
Muchidimbu, kuziva kukwereta mari kuchakubatsira kuita mari yakawanda!
Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.
Nguva yekutumira: Aug-20-2022