We can use historical data to analyze whether it is better to buy a house or gold to deal with inflation. The following is the most informative data based on the past ten years.
CPI increase in China in the past decade. Inflation is based on the increase of CPI, which best reflects the annual inflation rate. If you really want to survive the annual inflation, the annual asset appreciation is higher than the CPI increase.
Let's take a look at the CPI increase in the past decade:
In 2009, CPI rose by negative 0.73% in 20 10, 3. 18% in 20 10, 5.55% in 20 12 and 2.62 in 20 13. CPI increased in 20 15 years 1.92%, 20 16 years 1.44%, 20 17 years/2.0%, 20 18 years/kloc-. The CPI rose by more than 2.90%. These are the increase of CPI in 10 years. According to the increase of CPI in recent ten years, the average annual increase of CPI is 2.75%, which means that the annual inflation rate is about 2.75%.
In the past 10 years, the domestic gold trend has been very stable in the past ten years, mainly in a volatile market. Domestic gold fluctuates between per gram 150 yuan, riding a roller coaster.
As shown below, this is the domestic gold trend chart in recent ten years.
20 10 The average domestic gold price is near 250 yuan; 20 1 1, the average domestic gold price is near 350 yuan; The average domestic gold price in 20 12 years is near 330 yuan; In 20 13 years, the average domestic gold price is around 3 10 yuan; The average domestic gold price in 20 14 years is near 250 yuan; The average domestic gold price in 20 15 years is about 236 yuan; The average domestic gold price in 20 16 years is near 270 yuan; The average domestic gold price in 20 17 years is near 280 yuan; In 20 18, the average domestic gold price is around 268 yuan; 20 19 domestic gold is near 290 yuan on average; In recent ten years, the domestic gold fluctuation is very small, and the overall fluctuation is within 40%.
If gold was bought in 250 yuan/gram at 20 10 and sold in 290 yuan at 20 19 in the past ten years, the increase per gram of 40 yuan was only 16%, and the average increase in the past ten years was only 1.6%, even the CPI increase could not be avoided.
House price trend chart in recent ten years: the house price trend in recent ten years is the most powerful, with the largest increase and the highest profit-making effect. It is profitable to invest in real estate and buy a house with your eyes closed.
The picture below shows the trend of domestic house prices in the past decade.
In 2008, the average price of commercial housing in China was around 4,000 yuan;
In 2009, the national average price of commercial housing was around 5,000 yuan;
20 10-20 15, the national average price of commercial housing is between 6000-6500 yuan;
In 20 16, house prices began to rise sharply again. Until 20 19, the national average price of commercial housing has reached 13500 yuan.
According to the last ten years, the average price of commercial housing in China has risen from 5,000 yuan to 654.38+0.35 million yuan, with an average increase of 654.38+0.70% and an average annual increase of 654.38+0.7%, which is the average income from investing in houses. But in fact, the price increase of 10 has been several times or even ten times.
Is it better to buy a house or gold to deal with inflation? The above has been analyzed with the domestic inflation rate, gold yield and investment house yield in recent ten years, and the data is very obvious.
1, and the average annual inflation rate in recent ten years is 2.75%;
2. The annual return on investment in gold in recent ten years is1.6%;
3. The annual return rate of investment houses in recent ten years is 17%, but the actual annual return rate is above 20%.
Therefore, through these three data, from the past ten years, if you really want to deal with inflation and really want to make asset appreciation exceed inflation, buying a house is definitely a good choice. Buying gold can't run away from inflation, not only does it not increase in value, but it also depreciates.
Through the data of the past ten years, we know that it is correct to choose to buy a house in order to cope with inflation. Historical materials are of reference value, and history can be copied, so you can refer to and learn from historical materials.