另一樣野唔知樓主有冇mention...
Let’s assume both investments (real estate and your 10% investments) would reach 20m in 30 years. I.e. return parity.
但嗰path去嗰20m其實嗰risk profile 好唔同:樓無錯係Leverage 大(而且只係一開始),但係無人會actively mark to market,你供到款無人會跌市call你loan。相反黎講,一個可以achieve 10% return consistently over 30 years 既liquid investment portfolio,小弟唔覺得An average person有嗰risk appetite 去捱三十年既possible financial crises,而又come out sound and safe after 30 years.
只可以話樓主真心叻仔。衣啲做法(即係aim 10% return)唔可以Apply落正常香港人到;就算係讀過下finance,唔係個個人都想好似你咁未來30年又玩t-bills,又玩leveraged bbb- bonds,又要睇technical analysis/financial analysis。嗰啲Investments係可能搵得多錢過自住樓,但有time investment and more risk-taking。
有啲人有得住就開心了,唔介意三十年後究竟自己係咪蝕左所謂”opportunity cost” of not having gone through t-bills... leveraged bond... etc etc.
05279527bb2020-02-19 08:27:06
同意你所講,做投資唔係剩係純粹計數,如果係既話大把financial control 同會計一早發左達,投資心理性質同risk control 係重要好多,佢講到連續30年平均10% 好易,重要講到gearing執錢咁執,唔好玩啦,leverage 玩bond做多少少high yield一個market 轉trend已經補margin 。咁醒既年年10% 唔係無,不過去哂幫hedge fund 炒野羅,樓主咁勁,整個proposal 出街話証明到年年10% 既,大把投資者俾錢你幫佢炒