红雨谈地产投资 工薪族该考虑哪些问题
- 主题发起人 自然自在
- 发布时间 2013-04-20
回复: 红雨谈地产投资 工薪族该考虑哪些问题
《环球邮报》http://www.theglobeandmail.com/glob...this-retirement-income-source/article9615103/
Don’t ignore this retirement income source
The Globe and Mail
PublishedMonday, Mar. 11 2013, 6:12 PM EDT
Last updatedTuesday, Mar. 12 2013, 9:42 AM EDT
Here’s a surprising addition to the list of obstacles to a financially secure retirement: Your home.
It has long been thought that equity in our homes will help pay for our retirements, but that’s not going to happen for a lot of people. They simply won’t accept the idea of selling or otherwise tapping into the equity in their houses, a new survey suggests. It’s a shame because the same survey suggests people are going to need the money they have locked in the value of their homes.
The survey of 1,500 homeowners aged 50-plus was commissioned by the Investor Education Fund, the non-profit group behind the GetSmarterAboutMoney.ca website. (Full disclosure: I’ve done some guest blogging for them, and they co-sponsor our Let’s Talk Investing video series.) Two standout findings: Two in 10 households had no clue how much they had put away for retirement, and half believed they will run out of money in the first 10 years.
Weak investment returns, high debt levels, low wage growth and the declining availability of company pensions are all obstacles to retiring comfortably. Now, we add houses to the list.
First, some people are still paying for their homes as they approach retirement. Of the four in 10 survey participants who still had a mortgage, only 30 per expected to have the debt paid off at retirement. For those who didn’t get the memo, you’re supposed to have your house paid off years ahead of retirement so your former mortgage payments can be redirected to savings.
You’d think the fatalism about retirement saving would prompt people to consider using their homes to supplement their retirement savings, but that’s not the case for many. Half of the participants said they’d never thought about selling their home to generate retirement income, and four in 10 people were unwilling to consider any one of five possible ways to exploit the equity in their home.
The housing market has been a much more comfortable place to be than the stock market over the past five years, and this may have influenced the militant stay-at-home attitude of the survey participants. But the main reason seems to be lifestyle. In fact, six in 10 people said that staying in their home is critical to their quality of life.
If your retirement savings fall short, at least consider what your house can do for you. Here are the five options laid out in the survey:
1.) Sell, invest the proceeds and then rent: Because this can result in a large, investable chunk of money, it’s an idea that has some merit, as long as you’re comfortable with not being a homeowner any longer.
2.) Downsize and invest the leftover funds: The problem here is that many people won’t have much left over if they move from a house to a condo. This might work best, however, if you move from a big city to a smaller community.
3.) Use a home-equity line of credit: This makes sense only if you’re temporarily covering expenses that you know you can fully repay in fairly short order.
4.) Take out a reverse mortgage: Borrow now against the equity in your home, pay it back later or when you sell (read more here.)
5.) Rent out part of your house: This means strangers will be living in your home, but it provides a regular flow of cash through rent.
None of these choices are widely practical or palatable – you can see that in the unenthusiastic way people reacted to them in the survey. Downsizing had the most appeal, but it’s the least effective in terms of turning home equity into useable cash. Selling and renting was the second most popular choice, but with only 24 per cent support in the survey.
Strangely, the home equity line of credit was a third choice, followed by renting out part of a home, and reverse mortgages. We have massive levels of household indebtedness in this country, and yet people are squeamish about using debt to help fund their retirement? This does not compute, especially in light of a recent report from Toronto-Dominion Bank showing the 65-plus demographic led the country last year in borrowing growth.
If you’ve saved well for retirement, then you’ve earned yourself the luxury of deciding what to do with your home based on lifestyle-related factors. If not, then it’s time to get real about your house. It may be an obstacle to a financially secure retirement.
推荐给大家读一读。退休的时候，只有一套自住房，没有可以替代的现金流，是很尴尬的局面。
《环球邮报》http://www.theglobeandmail.com/glob...this-retirement-income-source/article9615103/
Don’t ignore this retirement income source
The Globe and Mail
PublishedMonday, Mar. 11 2013, 6:12 PM EDT
Last updatedTuesday, Mar. 12 2013, 9:42 AM EDT
Here’s a surprising addition to the list of obstacles to a financially secure retirement: Your home.
It has long been thought that equity in our homes will help pay for our retirements, but that’s not going to happen for a lot of people. They simply won’t accept the idea of selling or otherwise tapping into the equity in their houses, a new survey suggests. It’s a shame because the same survey suggests people are going to need the money they have locked in the value of their homes.
The survey of 1,500 homeowners aged 50-plus was commissioned by the Investor Education Fund, the non-profit group behind the GetSmarterAboutMoney.ca website. (Full disclosure: I’ve done some guest blogging for them, and they co-sponsor our Let’s Talk Investing video series.) Two standout findings: Two in 10 households had no clue how much they had put away for retirement, and half believed they will run out of money in the first 10 years.
Weak investment returns, high debt levels, low wage growth and the declining availability of company pensions are all obstacles to retiring comfortably. Now, we add houses to the list.
First, some people are still paying for their homes as they approach retirement. Of the four in 10 survey participants who still had a mortgage, only 30 per expected to have the debt paid off at retirement. For those who didn’t get the memo, you’re supposed to have your house paid off years ahead of retirement so your former mortgage payments can be redirected to savings.
You’d think the fatalism about retirement saving would prompt people to consider using their homes to supplement their retirement savings, but that’s not the case for many. Half of the participants said they’d never thought about selling their home to generate retirement income, and four in 10 people were unwilling to consider any one of five possible ways to exploit the equity in their home.
The housing market has been a much more comfortable place to be than the stock market over the past five years, and this may have influenced the militant stay-at-home attitude of the survey participants. But the main reason seems to be lifestyle. In fact, six in 10 people said that staying in their home is critical to their quality of life.
If your retirement savings fall short, at least consider what your house can do for you. Here are the five options laid out in the survey:
1.) Sell, invest the proceeds and then rent: Because this can result in a large, investable chunk of money, it’s an idea that has some merit, as long as you’re comfortable with not being a homeowner any longer.
2.) Downsize and invest the leftover funds: The problem here is that many people won’t have much left over if they move from a house to a condo. This might work best, however, if you move from a big city to a smaller community.
3.) Use a home-equity line of credit: This makes sense only if you’re temporarily covering expenses that you know you can fully repay in fairly short order.
4.) Take out a reverse mortgage: Borrow now against the equity in your home, pay it back later or when you sell (read more here.)
5.) Rent out part of your house: This means strangers will be living in your home, but it provides a regular flow of cash through rent.
None of these choices are widely practical or palatable – you can see that in the unenthusiastic way people reacted to them in the survey. Downsizing had the most appeal, but it’s the least effective in terms of turning home equity into useable cash. Selling and renting was the second most popular choice, but with only 24 per cent support in the survey.
Strangely, the home equity line of credit was a third choice, followed by renting out part of a home, and reverse mortgages. We have massive levels of household indebtedness in this country, and yet people are squeamish about using debt to help fund their retirement? This does not compute, especially in light of a recent report from Toronto-Dominion Bank showing the 65-plus demographic led the country last year in borrowing growth.
If you’ve saved well for retirement, then you’ve earned yourself the luxury of deciding what to do with your home based on lifestyle-related factors. If not, then it’s time to get real about your house. It may be an obstacle to a financially secure retirement.
推荐给大家读一读。退休的时候，只有一套自住房，没有可以替代的现金流，是很尴尬的局面。
回复: 红雨谈地产投资 工薪族该考虑哪些问题
建议楼主还是弄几个案例分析一下,
房价, 买入成本, 预期租金, 空房率, 养房费用, 还贷款多少?
最后的净收入需要交纳的税收??
--- 最影响投资意愿的的是回报率??以及长期回报率???
建议楼主还是弄几个案例分析一下,
房价, 买入成本, 预期租金, 空房率, 养房费用, 还贷款多少?
最后的净收入需要交纳的税收??
--- 最影响投资意愿的的是回报率??以及长期回报率???
回复: 红雨谈地产投资 工薪族该考虑哪些问题
这些问题应该由马龙先生来回答，感觉他还是比较有实战经验，投资房的首付比例要严格按照35%，贷款期限按30年这样大部分人符合的条件，才能算出比较客观的投资回报率。
一般来说，投资condo一个月有100刀的正现金流已经是很不错了。
低位买入的也不能等同，正如国内的公寓，基本上十年前都是几十万人民币买入，现在每套出租3000多人民币，这个收益怎么算？！
如果只是为了积累退休金，不仅仅是投资房子一个方法。尤其是多伦多的condo管理费太贵，套现是个问题。我宁愿选择分红险，一样可以轻松解决退休金问题。上面有人提到税务问题，升级自住房也是个不错的选择，尤其对于工薪族。
这些问题应该由马龙先生来回答，感觉他还是比较有实战经验，投资房的首付比例要严格按照35%，贷款期限按30年这样大部分人符合的条件，才能算出比较客观的投资回报率。
一般来说，投资condo一个月有100刀的正现金流已经是很不错了。
低位买入的也不能等同，正如国内的公寓，基本上十年前都是几十万人民币买入，现在每套出租3000多人民币，这个收益怎么算？！
如果只是为了积累退休金，不仅仅是投资房子一个方法。尤其是多伦多的condo管理费太贵，套现是个问题。我宁愿选择分红险，一样可以轻松解决退休金问题。上面有人提到税务问题，升级自住房也是个不错的选择，尤其对于工薪族。
回复: 红雨谈地产投资 工薪族该考虑哪些问题
你们都以为这里是天朝吗？
这里抄房必败
你们都以为这里是天朝吗？
这里抄房必败
回复: 红雨谈地产投资 工薪族该考虑哪些问题
加拿大的房子现在租金回报率达到5%都困难, 而且还有税收, 地税,高额维护费(或管理费)等;至于土地本身的增值,就看法不同了;毕竟加拿大地广人少!
所以,为了更高的回报,更明确的物业增值预期,是不是买在西雅图会更好些呢?
听听高手意见!
--- 其实楼主说的是没错的,不管是不是有想做中介生意的目的;
当我们退休的时候,除了自己住的地方外, 是需要些产生现金流的资产让我们安度晚年的!
所以,最好在退休前实现财务自由,我个人对财务自由的理解就是:
投资资产价值需要2倍于自住资产,你就财务自由了;
当然每个人的财务自由的水平是不同的!!
国内的公寓,10年前几十万的时候,其实租金回报率差不多有10%的,而且国内租金基本不用交税! 当然后来,房价涨了400%, 但租金差不多也涨了100%; 所以,这个投资在当年是非常安全的!
加拿大的房子现在租金回报率达到5%都困难, 而且还有税收, 地税,高额维护费(或管理费)等;至于土地本身的增值,就看法不同了;毕竟加拿大地广人少!
所以,为了更高的回报,更明确的物业增值预期,是不是买在西雅图会更好些呢?
听听高手意见!
--- 其实楼主说的是没错的,不管是不是有想做中介生意的目的;
当我们退休的时候,除了自己住的地方外, 是需要些产生现金流的资产让我们安度晚年的!
所以,最好在退休前实现财务自由,我个人对财务自由的理解就是:
投资资产价值需要2倍于自住资产,你就财务自由了;
当然每个人的财务自由的水平是不同的!!
回复: 红雨谈地产投资 工薪族该考虑哪些问题
补充一下我楼上的发言,
关于财富自由, 我的投资资产需要2倍于自住资产的个人理论;
还需要注意一点:
1, 你可能是靠工薪生活, 现在自住的房屋都在还贷...
2, 但是你依然要有投资的意识,可以通过贷款继续在价格合适的时候买入物业(最好租赁后能保证正现金流,而且当时对于房价的长期走势来说是低位)
也可以寻找其他的投资手段, 尽快赚到可以投资固定资产的首付款
3, 如果你现在住的是100万的房子, 你只投资了一套50万的房子;
退休的时候,也可以搬去自住50万的房子,把100万房子用来出租实现财务自由;
补充一下我楼上的发言,
关于财富自由, 我的投资资产需要2倍于自住资产的个人理论;
还需要注意一点:
1, 你可能是靠工薪生活, 现在自住的房屋都在还贷...
2, 但是你依然要有投资的意识,可以通过贷款继续在价格合适的时候买入物业(最好租赁后能保证正现金流,而且当时对于房价的长期走势来说是低位)
也可以寻找其他的投资手段, 尽快赚到可以投资固定资产的首付款
3, 如果你现在住的是100万的房子, 你只投资了一套50万的房子;
退休的时候,也可以搬去自住50万的房子,把100万房子用来出租实现财务自由;
回复: 红雨谈地产投资 工薪族该考虑哪些问题
工薪族每月要还房贷,生活花费,如果要買投资房,我想生活水平一定很差,並且如果需要应急,賣房子就要賤賣.
不如擁有一棟豪宅,生活舒適,開好車,花錢不必斤斤計較.等到退休時,以大換小,剩下的錢,绝對能过一樣舒適的生活.
工薪族每月要还房贷,生活花费,如果要買投资房,我想生活水平一定很差,並且如果需要应急,賣房子就要賤賣.
不如擁有一棟豪宅,生活舒適,開好車,花錢不必斤斤計較.等到退休時,以大換小,剩下的錢,绝對能过一樣舒適的生活.
注册或登录来发表评论
您必须是注册会员才可以发表评论
注册帐号
注册帐号. 太容易了!
登录
已有帐号? 在这里登录.
Similar threads
2024-04-21有新赞
全楼:0.00
flashlight
