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看了这篇文章,觉得买房不是好的投资,大家不妨也来看看.
Life savers
Australia's love affiar with property may have been misplaced, with other investments giving considerably higher returns.
INESTMENT RETURNS
15 years to DECEMBER 2006,AVERAGE
Shares(Australia) 17.1%
Shares(international) 12.6%
Listed prop.trusts 12.3%
Superannuation 9.6%*1
Bonds(10-year) 6.7%
Cash 5.3%
Housing 3.7%*2
NOTES: *1 11.2%over 25 YEARS *2 8.0% GROSS,LESS 4.3%OUTGOINGS.
SOURCE: IBISWORLD
Saving are half the challenge.Where you pit them os the othe half. In developed countries saving money isn't as prevalent as it once was, despite an increasing number of baby boomers facing retirement after 2010. In australia we are dissaving ( spending more than we earn ), as are some other nations in the OECD. In 2006, our average saving as a proportion of our average household income of $101,400 was -0.6 per cent. This includes the superannuation levy of nine per cent. Without that our dissaving would be much worse ( New Zealand"s is -8 per cent of income).
More than 30 years ago (1975) our savings were 12.6 per cent of household income. While we may not see this level any time soon. It is likely that we will return to positive savings over the next year or so and go on to be a more thrifty nation.
What many Australians now realise is that the superannuation levy is not enough for a dignified retirement. It is generally accpected a retired household in 2010 would need around $1 million in investments and an average dwelling of around $500,000 (or 1.5 million in investments without a dwelling). This would give such a household around 45-50 per cent of the nation's then average household income.
Bolstering low saving with a move into more expensive homes and / or into investment dwellings- with massvie debt-became very popular over recent years as a way of increasing future personal assets. The total household debt has now cimbed beyond $1 trillion in 2007, the vast bulk of which is mortgage debt. Only a small minority of the $1 trillion is in personal loans and credit card debt.
So is this a wise move? Looking at various investments and their returns over the past 15 years is illuminating.
Most will be shocked to find where housing sits: last. It suggests that our love affair with housing is probably misplaced; a case of an emotional investment rather than a good financial one.
Superannuation returns easily outplace dwellings. This is leading to many approaching retirees selling their houses before June 2007 to put the proceeds into their superannuation fund, to take advantage of the one-off opportunity from the treasurer to place up to a lillion dollars there and receive huge tax benefits.
ASSETS DEBTS
BILLION BILLION
$5520 $990
($676,500 PER HOUSEHOLD) ($121,300 PER HOUSEHOLD)
Deposits
$408b
Shares
$414b
Other
$475b
Other property
4585b
Invest. housing
$629b
Super and life
$1126b
Housing
$1883b
SOURCE: Reserve Bank statistical tables B20; IBISWOELD
(Where so we salt away our savings and investments normally? The chart(above) show the situation as the end of the last fiscak year. Property accounted for more than half (56 per cent) the assets of Australia's eight million households. Most of this property was housing, either as owner-occupied or investment dwellings.
But it is the harder-working assets of shares and superannuation that give far superior returns, that are growing as a share of all our assets. In 1990 they accounted for 21 per cent of total assets; in 2007, more than 28 per cent. This trend will push property to below half all household assets over the next decade.
We will become better savers- and more savvy investors. |
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《生死河》 – 蔡骏 (2014-3-2) 大成若缺 
发表于 2007-6-3 12:16
