买房还是买股票？美国居民当前这么看

格隆汇2021-04-17

疫情冲击下居民储蓄大幅增加几乎是全球面临的共同问题。除了消费外，如何合理进行投资布局？纽约联储的这篇报告可能给我一些线索。美国房地产的部分数据在今年第一季度有所放缓，但从微观层面来看，我们不妨乐观一点。正文住房是大多数家庭拥有的最大额资产，并且是财富积累的主要手段，对于中产阶级尤其如此。然而，对于家庭如何看待和比较房地产投资和金融投资我们了解很有限，这部分是因为它们的差异超出了常见的风险和收益...

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免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

安妮1022
2021-04-18
安妮1022
👍
Santaurora
2021-04-18
Santaurora
合理规划
吉星lily
2021-04-18
吉星lily
[害羞]
一定要成功成为世界未来首
2021-04-18
一定要成功成为世界未来首
当然是股票啦
pangpang85
2021-04-18
pangpang85
美国买房不保值
- 一定要成功成为世界未来首:
  股票赚钱了才买房
Victory1688
2021-04-18
Victory1688
房产是必需品
- 呆牛张:
  在美国还真不是。房产在越发达的国家增值空间越小。

发表看法

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\"和 \"房价波动较小 \"是最常见的原因。与2020年的回答相比，2021年有更多的调查对象选择了更高的住房回报、波动性较小这两个原因，而选择其他原因的调查对象则较少，包括例如节省租金、稳定、锁定住房成本、有效的储蓄手段等。\n\n结论\n房地产是中产阶级家庭的重要资产类别。疫情爆发前和期间进行的调查表明，相对于股票市场而言，投资者认为住房（包括租赁房产和自住住宅）是一项良好的投资。不同人群对住房的偏好存在重要差异，女性和非大学毕业生更偏好住房。与疫情爆发前相比，现在有更多的家庭将较高的回报和较低的波动性作为进入房市的理由。\n本文译自纽约联储近日发表的《Do People View Housing as a Good Investment and Why?》，Andrew Haughwout, Haoyang Liu, Dean Parker, and Xiaohan 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