说点正事，房事

[ASSISTANT]

十年后一颗鸡蛋可能也要一块钱.

Cmhc现在被架空。有其它委员会。急需表现下

 

[贾和平]

Cmhc说十年后温哥华房价涨破190万。多伦多160万

If so, investing in Toronto RE or investing in Gold?

The number doesn't lie.

Year 2005: Gold: $600 CAD/oz; Toronto AV House: $335k = 558 oz of gold

Year 2022: Gold: $4,755 CAD/oz; Toronto AV House: $1.27M ( Peaked) = 267 oz of gold

Year 2025: Gold: $4,613 CAD/oz; Toronto AV House: $1M = 217 oz of gold

Year 2035: Toronto AV House: 1.6M (expecting); What will the gold price be then?

The Toronto house price is declining in terms of the gold price.

Question is: Are you expecting a rental income stream? (A side job if you manage the rental property yourself). Or expecting capital gains from RE when you invest it? If it is capital gains, investing in RE or Gold?

 

[ASSISTANT]

If so, investing in Toronto RE or investing in Gold?

The number doesn't lie.

Year 2005: Gold: $600 CAD/oz; Toronto AV House: $335k = 558 oz of gold

Year 2022: Gold: $4,755 CAD/oz; Toronto AV House: $1.27M ( Peaked) = 267 oz of gold

Year 2025: Gold: $4,613 CAD/oz; Toronto AV House: $1M = 217 oz of gold

Year 2035: Toronto AV House: 1.6M (expecting); What will the gold price be then?

The Toronto house price is declining in terms of the gold price.

Question is: Are you expecting a rental income stream? (A side job if you manage the rental property yourself). Or expecting capital gains from RE when you invest it? If it is capital gains, investing in RE or Gold?

这还用问么。投房产有资产升值部分还有租金部分。买金子只有保值部分，你你那数字还得扣通胀。不卖就不算数，卖了还得投别的，难保不赔

 

[贾和平]

这还用问么。投房产有资产升值部分还有租金部分。买金子只有保值部分，你你那数字还得扣通胀。不卖就不算数，卖了还得投别的，难保不赔

I don't know what you are talking about here. I am sure you don't understand what I was talking about, even the question, too simplistic. Cases in points: inflation and real purchasing power in CND$.

 

[ASSISTANT]

I don't know what you are talking about here. I am sure you don't understand what I was talking about, even the question, too simplistic. Cases in points: inflation and real purchasing power in CND$.

俺又看了下，是想说投金子好吧。交流首要是不要假设对方和你有同样背景。你用那么多简写，和你背景不同人知道你在说啥么。这显不出你啥，反而减分。退一步，俺看不懂英文，你看不懂中文，这个可以有

 

[Ott333]

假如在2005年你有67万，33.5万买了多伦多的房子，另外33.5万买了558 Oz 黄金，每晚睡在房里数数金子。

20 年后至有房子，也有558×4755 =2佰万. 想想都在梦里笑.

 

[ASSISTANT]

假如在2005年你有67万，33.5万买了多伦多的房子，另外33.5万买了558 Oz 黄金，每晚睡在房里数数金子。

20 年后至有房子，也有558×4755 =2佰万. 想想都在梦里笑.

这就仁者见仁了。金子从600到4800。房子从558到267金本位。但忽略了最主要的租金，和通货

 

[贾和平]

Gold: Year 2005: $600 CAD/oz; Year 2025: Gold: $4,613 CAD/oz.

Gold price increased ( 20 years) 4613/ 600= 7.688

Average House: Year 2005: $335K ; Year 2022 ( peaked): House price: 1.27M; 20 (year) x 30K per year rental income ( assume)= $ 600k,

Total Capital gains & Rental incomes = 1.27 M + 600K = $1.87 M

House price + rental income total increased ( 20 years): 1.87/0.335 = 5.552

Of course, you can proudly boast to tell your friends you own a mansion on Toronto xxxx street, you bought it $335 in 2005, now it's worth $1.27 M (2022 peak). You can hardly tell your friends you own xxx OZ gold and you bought it in 2005 @ $600/OZ. Now it is worth $....


Some may still argue that you can leverage RE investment with a relatively lower rate. But you can also use your gold as collateral to borrow money to buy more gold. Forget my post if anyone wants to argue RE is a better investment than gold. One man's food is another's poison. Do what you believe, do what investment can make you sleep well at night.

PS: When I heard Richard Fisher, a former Fed member, had $2 m in gold in 2006, I was wondering why this guy bought so much gold. Now it is all clear.

 

[ASSISTANT]

Gold: Year 2005: $600 CAD/oz; Year 2025: Gold: $4,613 CAD/oz.

Gold price increased ( 20 years) 4613/ 600= 7.688

Average House : Year 2005: $335K ; Year 2022 ( peaked): 1.27M + 20 (year) x 30K per year rental income ( assume)= $ 600k,
Total Capital gains & Rental incomes = 1.27 M + 600K = $1.86 M

House price + rental income total increased ( 20 years): 1.86/0.335 = 5.552

Of course, you can proudly boast to tell your friends you own a mansion on Toronto xxxx street, you bought it $335 in 2005, now it's worth $1.27 M (2022 peak). You can hardly tell your friends you own xxx OZ gold and you bought it in 2005 @ $600/OZ. Now it is worth $....


Some may still argue that you can leverage RE investment with a relatively lower rate. But you can also use your gold as collateral to borrow money to buy more gold. Forget my post if anyone wants to argue RE is a better investment than gold. One man's food is another's poison. Do what you believe, do what investment can make you sleep well at night.

你的Gold 是unrealized 的吧。房租可是实打实的现金。现在是，20年以后还是。2500一个月房租就不长了么。你首先assumption 要过关。
一个high profile 的财富经理一年得给客户8%回报吧，要投资，金子也一般

 

[Ott333]

假如，又是假如. 房东每月把房租买了黄金, 房租由2500正常涨到4500.

Y1, 30,000 房租换个50 Oz 黄金
Y2
..
Y20, 54,000 房租换成11 Oz 黃金.

20年 房子以外 总共累积 610 Oz 黃金

传说中的即要又要.