What is the reason why you buy a house overseas?

Markowitz, the "father of modern portfolio" and winner of the Nobel Prize in Economics, once said that "diversification of asset allocation is the only free lunch for investment". In addition to "putting eggs in different baskets", global asset allocation, especially overseas home ownership, has gradually become popular in recent years. The most fundamental reason is that domestic investment channels are single, forcing many people to look to overseas markets.

Why buy a house overseas? Let's take a look at the common investment and wealth management channels and investment income in China-

Channel 1: Bank deposit

Since 20 16, the benchmark interest rate of one-year time deposit for domestic residents has dropped to 1.5%. Although some commercial banks may have a certain floating range, it will basically not exceed 2%, which means that deposits have entered the era of "nominal" negative interest rates.

Channel 2: Internet wealth management products

In 20 13, the annualized income of Internet financial products such as Yu 'ebao and WeChat Licaitong has been declining from more than 6% at the beginning, and is currently maintained at around 3%. The advantages of flexible access make this product more suitable for piggy bank.

Channel 3: stocks

China stock market makes people "crazy". Some people "get rich overnight" and some people "have no money" because of it. But what needs to be clear is that people who make money in the bull market rarely ship at the highest point, and it is really difficult to be immune to the bursting of the bubble. It's the same warning: "The stock market is risky, so you need to be cautious when investing". This also makes many people have new ideas about why they want to buy a home overseas.

Channel 4: Commodity Futures

In addition to the above-mentioned common investment and financial management channels, a small number of people with investment foresight have begun to invest in commodity futures. However, futures investment is highly leveraged and professional, and not everyone can "control". The fact before us is that domestic futures investment is 90% of well-known investors plus large-scale losses.

Channel 5: Investing in collectibles

The investment in works of art, coins, stamps and other collectibles is also a category. However, the collectible market is dominated by a few big players, with poor liquidity and relatively small capacity, and the current price has been speculated, which is not a good choice for investors.

Channel 6: Investing in domestic real estate.

Why do you want to buy a house overseas, but you can't invest in domestic real estate? Perhaps it is precisely because of the single domestic investment channel that real estate has become the best investment product in China! Not one! Especially the real estate in first-and second-tier cities, once had unlimited scenery. However, with the irrational soaring domestic housing prices and the continuous upgrading of property market regulation, not only the problem of "affordability" has emerged, but also the concern of "affordability".

After analyzing these common investment channels in China, the problem comes. Under the background of negative interest rate era, facing the current situation of single domestic investment channel, where should money go?

In fact, many people have found a way out. According to JLL Jones Lang LaSalle statistics, in recent years, the global asset allocation market is showing a "blowout" growth. More people realize that only by looking around the world can we truly "put eggs in different baskets". Why buy a house overseas? In addition to considering a series of problems such as wealth growth and immigration to study abroad, global asset allocation has become a key step to solve all problems.

It is worth mentioning that "in this era of' asset allocation shortage', if you want to protect your wealth, you can get more stable income only by going abroad and rationally allocating overseas assets". According to the Financial Times' annual confidential survey of China families' overseas investment, although China has implemented strict capital control policies, more and more China investors intend to increase their offshore assets in the next two years. Their main purpose has changed from increasing profits to hedging risks, which is also the main reason why they want to buy houses overseas.

In addition, in order to effectively avoid risks, it is particularly important for overseas home buyers to entrust professional and reliable platforms and intermediaries. With the help of professional strength, the investment will be smoother. For example, the International Housing Department of Jones Lang LaSalle is a leading team providing global real estate brokerage services and expertise to China investors. The professional advice provided by Jones Lang LaSalle covers investment and financial analysis, real estate purchase, real estate leasing, asset management, house sale services and other aspects, helping China investors to solve the problem of buying a house in the United States in one stop.

Therefore, in the future overseas career, we must pay attention to choosing excellent ones.