買樓好定炒股好?
This is a very hot topic recently. The HK stock market has risen from 24,xxx to 31,xxx in a month time. Most of us should have earn some profit these day.
However, it becomes more scary and scary these day as the HSI can't be up everyday. I don't want to be the last one to leave the market if the market burst. Therefore, I start thinking if investing propery is a better choice for now.
I do a simple calculation. If taking $300K as the down payment for a propery of $1.5M, the monthly installment of the mortgage will be around $7.5K. The rent of this flat may be around $6K. If there is 20% growth after 1 year, the profit can be $300K.
Oppositely, if investing the $300K on stock market with a very good earning, say 30% a year. The profit will be $90K.
At first glance, it seems that investing in the property market can have much bigger profit. It makes sense because there is a lever effect. You only put the 20% down payment to invest on the property. However, a key point is that property is not so easy to liquify back the money. Also, there is some legal charge or tax on property. Most importantly, if the property market down to certain size, there is a risk of negative asset.
Therefore, "no free lunch" is applied here again. Higher risk, higher gain. You have to investigate yourself what's the risk level you can accept.
However, it becomes more scary and scary these day as the HSI can't be up everyday. I don't want to be the last one to leave the market if the market burst. Therefore, I start thinking if investing propery is a better choice for now.
I do a simple calculation. If taking $300K as the down payment for a propery of $1.5M, the monthly installment of the mortgage will be around $7.5K. The rent of this flat may be around $6K. If there is 20% growth after 1 year, the profit can be $300K.
Oppositely, if investing the $300K on stock market with a very good earning, say 30% a year. The profit will be $90K.
At first glance, it seems that investing in the property market can have much bigger profit. It makes sense because there is a lever effect. You only put the 20% down payment to invest on the property. However, a key point is that property is not so easy to liquify back the money. Also, there is some legal charge or tax on property. Most importantly, if the property market down to certain size, there is a risk of negative asset.
Therefore, "no free lunch" is applied here again. Higher risk, higher gain. You have to investigate yourself what's the risk level you can accept.
留言
玩股可以小富,
玩樓可以中富,
想大富? 就係開間上市公司出股票比人買.