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Everyone knows what happened to the baby!
Here, Huobi editor will not review the incident itself with you~
"Borrowing money to fight a lawsuit" really makes people feel sad for the baby.
So,
A friend in need is a friend indeed!
At the critical moment, this extremely vulgar general equivalent - money can most directly prove whether a person is a Bitch or a Brother!
Views on baby's asset allocation
(The following is Xiao Lei's analysis of Wang Baoqiang's asset allocation for reference. The article recommends that Baobao increase the proportion of investment in gold. The same can also be applied to Bitcoin. The article is long, you can also scroll to the bottom to see more content.)
Judging from the assets that Wang Baoqiang needs to divide, most of them are real estate. Since the total estimated assets are about 100 million, 9 of them are highlights.
According to statistics from Centaline Property Research Department, the average transaction price of a single residential property in Beijing has reached 5.1 million yuan since the beginning of 2016. Wang Baoqiang owns 9 properties (mainly for investment). For celebrities, first-tier cities are definitely the first choice. That is to say, even if the average transaction price of a single residential property in Beijing is 5.1 million yuan, the total value of the properties owned by Wang Baoqiang is 44 million yuan (not including the one in Los Angeles, USA), which definitely accounts for more than 50% of his total assets.
In fact, for celebrities who choose real estate investment, if they want to achieve long-term investment level, they need an apartment in Beijing worth at least 8 million yuan per unit to meet this investment demand. Based on this price, nearly 80% of Wang Baoqiang's estimated 100 million assets are real estate.
In the mainland, celebrities have similar financial management ideas. Even though they have professional financial management teams to plan and manage, the proportion of real estate is generally high. The reason is simple. China has no property tax, the cost of holding is extremely low, and housing prices have been rising. Whether it is a villa, an ordinary residence, or an office building, real estate has almost become the only type of investment that these rich people can feel at ease with.
In addition to the real estate, there is also a BMW x5 sedan, a Bentley sedan, and jewelry, watches, bags, and clothing from brands such as Hermes, LV, Chanel, GUCCI, PRADA, Dior, Versace, Fendi, and TIFFANY.
Strictly speaking, it is still difficult for such assets to reach investment level. If you do not have professional knowledge reserves, the purchase of such products is mainly to meet consumer demand, and most of them do not have investment value. It is just that as a luxury product, it has a certain value preservation function and can be divided as property, but strictly speaking, it cannot be called an investment. It is regrettable (off topic) that no Chinese brand has appeared in this scenario so far, which also shows that Chinese manufacturing and Chinese brands still have a long way to go.
Wang Baoqiang's third property is "equity in multiple companies" and original design brands. Celebrities generally have their own companies and many equity investment companies, and original design brands also have certain commercial value. This type of property is very important to celebrities. If one of the companies goes public in the future, whether it is a company he founded or a company he invested in, it will be a huge wealth effect.
The fourth aspect of property is "deposits, stocks, financial products, and insurance." Deposits, stocks, and insurance are easy to understand, and they are also the investment products that most investors are always involved in. However, "insurance" is a more complicated property, especially in recent years, more and more domestic investors have gone to Hong Kong to buy insurance, especially high-net-worth individuals, and the demand for overseas insurance is increasing. There are many types of "insurance" assets, and if "cross-border" is added, it may be more complicated to handle.
There are three major risks in Wang Baoqiang's asset allocation. First, the proportion of real estate is too high (close to 80%); second, the proportion of venture capital is too low (estimated to be around 10%). Wang Baoqiang is no longer a contracted artist of a film and television company. He has founded his own company and invested in movies. In fact, he is a star entrepreneur. Therefore, venture capital should be the most important at this stage. In addition, if he has some Bitcoin in his hands, he can immediately cash it out, so he doesn't have to borrow money from others for the lawsuit.
As a high net worth individual, you need to have a basic understanding of investable assets. Generally speaking, assets are divided into two categories: real estate (mainly real estate) and movable property. Movable property is divided into three types. The first type is equity assets, such as stocks, securities investment funds, etc. The second type is fixed income assets, such as bank deposits, money market funds, bank financial management (agreement deposits, government bonds, financial bonds, corporate bonds, convertible bonds, bond funds, etc.), and the last type is alternative investments, such as precious metals, private equity funds and options.
As a traditional means of investment, it is no problem for high net worth individuals to hold real estate, but the risk lies in the excessive proportion and the timing of holding. If the proportion is as high as 80%, the housing price is at a historical high, and there is a certain amount of loan, once the price falls, the risk will be huge. Because the liquidity of real estate is very low, if there is a cash flow crisis in the company or personal career, it is very unprofessional and uneconomical to either sell it at a drastic price or sell other high-quality assets to deal with the emergency. For example, in 2003, Andy Lau sold a detached house for 16.8 million yuan, and Andy Lau bought the house at the end of 1996 for 39.5 million yuan.
The Japanese housing bubble in the 1980s was one of the craziest events in the world, one of the reasons being that Asians have a traditional preference for real estate. Let’s not discuss whether China’s housing prices will experience a 20-year decline cycle like Japan, but it should be understood that China’s housing prices have skyrocketed for more than 10 years. If you don’t choose to cash out part of it and convert it into other forms of asset holdings, the risk factor will obviously increase.
Especially for celebrities (who have abundant but irregular and unstable cash flow), their asset allocation should be more diversified. When it comes to investment and financial management, celebrities not only focus on wealth appreciation and high-quality life, but also pay attention to asset security, wealth inheritance and children's education.
Just in terms of Wang Baoqiang's asset allocation, it is recommended to reduce the real estate allocation to 30% of total assets; as Wang Baoqiang is at the peak of his career, he needs more equity investment and increased venture capital investment, and such investment should account for at least 40% of total assets; in addition, the proportion of bank wealth management, insurance, stocks, etc. in investment assets can be increased to 20%; the remaining 10% can be held in gold assets.
(In fact, allocating a certain proportion of digital assets in your assets, such as Bitcoin, which is known as digital gold, is also a very good choice. It has a huge advantage over traditional gold bars that are difficult to store and easy to be stolen.)
Flowers do not last forever, people do not stay popular forever, celebrities will also grow old, and celebrities will also have emergency needs. As the most watched high-net-worth investment group, if celebrities do not realize that the entire economic cycle has begun to change, it will be difficult for them to remain unaffected in the future adjustments of large assets and economic cycles. Therefore, they not only need to develop their careers well, but also need a longer-term vision for asset allocation.
Whether you are from a wealthy family or an ordinary working class,
Planning and allocating one's own assets is something that every adult cannot avoid.
For newbies like me who don’t know much about asset allocation,
You can refer to my "Standard & Poor's Household Asset Quadrant Chart" for configuration.
(The capital letters in red are to make you understand.
This asset is still a family! Family! It’s not just personal~) In the allocation of family assets, Bitcoin, as a high-risk investment, is located in the lower left corner. It is not recommended for individuals to allocate too much, but it is also very good to hold it appropriately as a long-term investment. From the perspective of Bitcoin as a "deflationary currency", many people still believe that the price trend will be upward in the long run.
High-net-worth individuals who have achieved "financial freedom" should also have financial independence and freedom. It is not a "small treasury" intended to "do bad things", but a "safe house" to ensure that no matter what emergencies, they can leave themselves with dignity in life.
Bitcoin is universal, 24-hour trading, relatively anonymous, and cannot be forged, which gives it unique technical advantages. Compared to real estate and jewelry, Bitcoin is a more private property. A mansion in Los Angeles cannot save you from a fire, but Bitcoin allows you to cash it out anytime anywhere in the world.
After Wang Baoqiang's divorce received huge public attention, we also glimpsed a huge risk from one side. The risk of asset allocation does not only come from the market, but also from changes in your own situation, such as family, marriage, and health status.
Huobi editor hopes that you will be diligent and down-to-earth, work hard to bring to life characters that are deeply rooted in the hearts of the people, and successfully accumulate wealth to overcome the difficulties in life!
PS, important! In addition to yourself,
Don't give your Bitcoin private key to anyone!
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