如何选择实物资产的投资

How to Invest in Physical Assets

随着我国的经济发展和人们生活水平的不断提高,家庭理财的需求不断增强,家庭的资产配置也呈现出多元化倾向。股票、期货等金融投资品具有较高的风险,且随着负利率时代的来袭,现金也在变得越来越不值钱。相较于前者,实物资产投资在价格变化上相对平稳,且拥有长期的经济寿命,便于久置。因此,与其将钱存入银行,收取微薄甚至为负的利息,更多的家庭开始关注实物资产投资,以求保值。论文分别对房地产、黄金以及艺术品三种实物资产进行分析,为家庭投资者实物资产的投资给出建议。

With the development of our country's economy and the continuous improvement of people's living standard, families' financial investment demand is growing, and the irassetal locations also present apluralistic tendency. Stocks, futures and other financial investments have high risk. And along with the era of negative interestrates, cash is becoming less and less valuable. Compared with the former, realasset investment is much stabler in price changes, and has along-term economic life and easy to set. More families, therefore,begin to pay close attention to physical assets investment, instead of putting money in the bank, charging lowor even negative interest.Respectively, this article analyzes the real estate, gold and art work three typical kinds of realassets. Based on the analysis, it will give some advice to family investors on real asset investment.