正文
“房子的內在價值”，與“自住”和“投資”完全是兩碼事
A recent post "1980年7.6萬買的房子,2010年27萬賣掉,為什麽反而虧了?" ignored the intrinsic value of a house, which is providing shelter for somebody. Whether such value is consumed by the owner or a tenant, it's irrelevant.
It's best for the audience of this board and the author to get all the facts right, especially when people come here expecting to learn a thing or two about investing.
Back in 1980, supposedly, the rent is $300, now in 2010 the rent is a reasonable $1500. So the linear average would be $900. Over 30 years, that revenue is:
$300*12*30=$324K. (This is without compounding.)
The $324K will be reduced by tax, insurance, and repair. A reasonable guess would be 25% of that. So there are $243K profit from that initial investment of $76K. This $243K is generated regardless either:
1. by renting to a tenant, thus in the form of income, or
2. by owner living there, therefore saving the rent otherwise would have been paid to a landlord.
For an initial investment of $76K and getting a $243K return over 30 years, it's a pretty good deal, at least to me. The fact that it's worth $270K in 2010 just make it even better. Adding that, the initial $76K has become about $500K profit.
If invest in bond, the initial rate is 10%, but current rate is 2%, so average is 6%. Simple interest accumulation would be $137K, and total is $210K.
If invest in stock, could become $20,000K by buying MSFT, Berkshire, or become 0 by owning AOL, YAHOO.
Indeed, each option could be a good one for certain investors. Each investor just needs to find a good vehicle and stick with it. With time and a bit of luck, it's --possible-- that his/her goal would be reached.
This return in this example could be better or worse, depending on the rent and appreciation, and the management style of the investor. However, the intrinsic value of house should be included in the calculation of any serious investor.
www.sunskitehomes.com
A recent post "1980年7.6萬買的房子,2010年27萬賣掉,為什麽反而虧了?" ignored the intrinsic value of a house, which is providing shelter for somebody. Whether such value is consumed by the owner or a tenant, it's irrelevant.
It's best for the audience of this board and the author to get all the facts right, especially when people come here expecting to learn a thing or two about investing.
Back in 1980, supposedly, the rent is $300, now in 2010 the rent is a reasonable $1500. So the linear average would be $900. Over 30 years, that revenue is:
$300*12*30=$324K. (This is without compounding.)
The $324K will be reduced by tax, insurance, and repair. A reasonable guess would be 25% of that. So there are $243K profit from that initial investment of $76K. This $243K is generated regardless either:
1. by renting to a tenant, thus in the form of income, or
2. by owner living there, therefore saving the rent otherwise would have been paid to a landlord.
For an initial investment of $76K and getting a $243K return over 30 years, it's a pretty good deal, at least to me. The fact that it's worth $270K in 2010 just make it even better. Adding that, the initial $76K has become about $500K profit.
If invest in bond, the initial rate is 10%, but current rate is 2%, so average is 6%. Simple interest accumulation would be $137K, and total is $210K.
If invest in stock, could become $20,000K by buying MSFT, Berkshire, or become 0 by owning AOL, YAHOO.
Indeed, each option could be a good one for certain investors. Each investor just needs to find a good vehicle and stick with it. With time and a bit of luck, it's --possible-- that his/her goal would be reached.
This return in this example could be better or worse, depending on the rent and appreciation, and the management style of the investor. However, the intrinsic value of house should be included in the calculation of any serious investor.
www.sunskitehomes.com
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