漲、漲、漲、漲？你的投資有抗通膨嗎？ - 投資

雖然很久了 但是剛好看到
你最推崇的羅勃特清崎(Robert Kiyosaki)
在他網站5/16號發了一篇文章
覺得實在太有趣.所以回鍋一下..

http://www.conspiracyoftherich.com/ReadTheBook/TableOfContents/current.aspx

Online Exclusive Update - #87
May 16, 2011

Why Gold and Silver Aren’t Good Investments

For years, I’ve advised people to buy gold and silver, especially up to the
year 2010. As you may know, gold was approximately $275 an ounce in 2000, and
by 2010, gold was over $1,300 an ounce. Silver has been the better of the two
precious metals, starting at below $3.50 an ounce a few years ago and
reaching a high of approximately $40 this year.
Yet, gold and silver aren’t the best investments for the following reasons.

Difficult to leverage
With real estate, my bankers will loan me 70 to 80 percent of the purchase
price. Even though gold and silver has gone up, few bankers will lend you
money to invest in gold and silver.
A banker may lend you money for gold and silver you have in your possession,
pledging it as collateral against your loan, but most will balk at the idea
of borrowing money to speculate in gold and silver.

No cash flow
Gold and silver don’t produce cash flow…for most people. If you’re
sophisticated, there are ways to have your gold and silver produce cash flow,
but if you know how to do that, you don’t need gold and silver.
Taxes are high As you know, there are two types of income from investments: capital gains
and cash flow. Most novices invest for capital gains. They hope and pray
their investment goes up in price. For example, they hope their stocks go up
in price or their home goes up in value.

Cash flow investors invest for income on the asset. For example, they invest
for cash flow from their real estate or business, dividends from their
stocks, or interest from their savings or bonds.

Taxes for real estate investments are the best. For example, an investor can
pay zero in taxes for capital gains and for cash flow. Taxes on capital gains
for stocks are 15 percent for long-term gains and 30 percent for short-term
gains (investments held for less than a year). This is one reason I prefer
real estate instead stocks. I’d rather not pay taxes to the government.
The worst taxes are on 401k plans and savings. The income from these
investment entities are taxed at the highest tax rate, ordinary income, the
same tax rate for employees.

Taxes for capital gains on silver and gold are 28 percent, which is higher
than 15 percent on stocks and zero percent for real estate.
Once again, the reasons why silver and gold aren’t the best investments are:
1. Difficult to leverage
2. No cash flow
3. Taxes are high
On the flip side, gold and silver is an easy investment, especially when the
Fed is printing trillions of dollars.
But, if the Fed stops printing trillions of dollars, gold and silver may
become the next price bubble to crash…but I doubt that will happen.
If the Fed stops printing money, there will be a giant crash causing a
tsunami of pain and destruction. Cash will become king…and so will a gun.
I still believe your best investment is taking courses and investing in your
financial education. Regardless if we crash or go into hyperinflation, those
with a sound financial education will be better off than those who are
counting on the government to solve this financial crisis.
Thank you for supporting COR.
Robert Kiyosaki

※ 引述《NickTseng (Nick)》之銘言：
: http://bit.ly/et5ziq
: 房市漲、油價漲、原物料漲、你賺的錢漲？
: 因應美國大量發行的貨幣，你可以從附圖所見，英國國家銀行、歐洲銀行、日本銀行、
: 中國人民幣銀行和印度，這些國家也大量的印製貨幣，以跟上美元貶值的速度，
: 維持現在穩定的假象！
: 這些流竄的貨幣瘋狂的湧入房市、股市、原物料、石油等等，導致價格全面上漲，
: 但在股市及共同基金跟著上漲的同時，它們能幫你買到多少東西？
: 跟的上"實際"的通貨膨脹嗎？不要說年通膨率是1.6%還是2%，
: 銷基會最近才公佈近來物價上漲平均12%！12%呀！
: 大家不妨可以想想當初投入的錢加上獲利後，至今為止所能購買的東西是變多了還是變少了？
: 如果是變多了，那我真心的恭喜你，如果變少了，
: 希望你能好好審慎思考一下是不是該改變些什麼？
: 1980年黃金價格於高點每盎司850美元時，白銀達到每盎司50美元，
: 然而至今黃金早已遠遠超過850美元來到1,430美元左右，
: 白銀目前卻只落在 35~36美元 (儘管白銀最近已漲非常兇，
: 從今年2月8日的30.25美元漲至3月8日的36.03美元，一個月漲幅高達19%)，
: 只有1980年的7折而已，你能舉例什麼東西能用七折的價格買到與1980年同樣的東西嗎？
: 白銀還真是過份的被低估了呀！但我在這並不想提倡大家去買白銀，
: 因為有些人可能會認為買了白銀也沒地方賣，或是其他種種原因，
: 所以我只是想說：去找吧！找到真正能讓你賺到錢的投資，能抗通膨的投資，
: 不要別人做什麼你也做什麼，除非你懂得你到底在做什麼。
: http://bit.ly/et5ziq

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