Most of the cash in the hands of the rich is mortgage assets financing and borrowing.

Apart from the basic living expenses, the rich basically have little money. Even if there are tens of millions or even hundreds of millions of cash in the account, the amount of debt is generally much higher than this figure.

The buying and selling of rich people are basically non-stop investments, especially buying real estate and investing in equity.

If you want to know where the rich put all their money, you must know how the rich came from and where they earned their money.

According to the Hurun Rich List, almost all the rich people in China are founders of listed companies.

In other words, the greatest wealth of these people is the shares of listed companies.

What determines their wealth is the share price of listed companies.

How much cash they have depends on the annual dividend of listed companies.

At present, there are 2,398 rich people in China, all of whom are entrepreneurs.

Thus, the most important way to create wealth is entrepreneurial success.

It's not investment at all, it's not stock trading, and it's not real estate speculation.

The main wealth, or assets, of the rich is the equity of the enterprise.

If you put aside the equity, where did the rich people put the rest of the money?

First, equity investment

Yes, the rich invest the most in stocks.

They not only like the equity of their own company, but also like to invest in other people's companies.

Most rich people will jointly set up equity investment funds, or become partners behind some venture capital companies, and put money into the market through venture capital.

Of course, the first few rich people, such as Ermayina, can make venture capital directly with their own company's funds.

Having experienced starting a business to get rich, they understand that the biggest way to create wealth is to start a business, but they no longer start a business, but invest in other people's businesses and share the dividends of capital.

Although venture capital does not mean that 100% makes money, Ali and Tencent occasionally encounter setbacks, but the success rate of startups they invest in is much higher than that of normal companies.

Therefore, rich people not only hold shares in their own companies, but also generally hold shares in other companies.

Second, real estate.

The real estate here not only refers to houses and luxury houses, but also includes office buildings, hotels and shops.

In the impression that the rich have many houses, the fact is that there will be several luxury villas under the name of the rich, but in fact there are not so many properties, and most of them will choose to hold them under the names of relatives.

For the rich, it is the embodiment of status, but they are not so fond of real estate investment. After all, it is more troublesome to bring more houses, and it is even more impossible for them to rent.

So I will choose several main places to live and buy a mansion, that's all.

However, the total price of luxury houses is not low, and a set of ordinary commercial houses can be folded into dozens of pieces.

The rich are actually interested in hotels, shops and office buildings.

But these assets are usually not directly held in the name of individuals, but are held in disguise by the leather bag company they founded.

In addition, the average rich person will have his own operation team to operate this part of the assets.

Third, overseas assets and gold foreign exchange.

This part may be difficult to count in actual statistics, but the fact is that the rich have a large number of overseas assets, not only overseas houses, cash, investment funds, insurance, gold investment, and even the equity of overseas enterprises.

In wealthy families, gold and foreign exchange are essential. They are in cash and spot form.

Overseas assets and cash assets are hidden assets, which have special significance for the rich.

Fourth, luxury goods and collectibles.

Luxury goods and collectibles are the favorites of the rich.

These two types of assets are not only symbols of identity, but more importantly, they are relatively preserved.

As long as luxury goods are limited, they are basically preserved, not to mention collectibles, which not only preserve value but also appreciate it.

Those antiques, calligraphy and paintings, works of art, etc. As the rich get richer, cars become more and more expensive.

Getting rich is the dream of many people, but blind entrepreneurship leads to heavy debts.

Due to the lack of leadership and management ability, most people do not have the ability to start a business and get rich.

Starting a business from work fission is a more reliable way.

Of course, the vast majority of enterprises, even if they start a business, are profitable, but they are still far from listing.

It is actually possible to become rich through work. After all, there are working emperors and working queens in China.

Just want to change from a rich man to a rich man, not only need hard work, but also need the opportunity of the times.

Most of the top billionaires in China have taken advantage of the Internet, some have seized the opportunity of real estate, and some are doing manufacturing in a down-to-earth manner.

Ordinary people may not be rich all their lives, but they can certainly achieve wealth freedom through hard work, because the standard of wealth freedom is not so high.

In the case of good income and sufficient cash flow, we should allocate more assets, and at the same time, we need to study hard to improve our ability and keep our ability to make money at all times.

Finally, a healthy body is everyone's most precious wealth, and it is also one of the lifelong pursuits of the rich.

You may not be as rich as the rich, but you can live happily and live longer and healthier than the rich.

High net worth rich people, I believe all readers are very interested, after all, it is not often seen every day. For the question of the subject, let me tell you a few cases of rich people managing money:

1. When I was in Beijing a few years ago, I met a high-net-worth customer, which was very representative. Her concept of financial management is also very special: maintaining a high level of relative assets. Are readers deceived as soon as they hear this word? What does it mean to "maintain a high level of relative assets"?

Simply put: buy a house if you have money. Having the money to buy a house in Beijing is also a real local tyrant. However, this concept of financial management has really kept her in a high position in the circle of friends, whether it is high-net-worth friends around her or some friends she knows.

She regards real estate as an asset of social resources and market resources. I also learned something when communicating with her. First of all, the difference between urban and rural areas is discussed. The so-called cities include residents, streets, hospitals, schools, public facilities, office buildings, shopping malls, squares and AD, while rural areas are the opposite, but they just can't reach the convenience of cities. For example, although there are passepartout in rural areas, it takes a long time to go to shopping malls and office buildings, but it may be close at hand in cities. There are great differences between cities and villages, and cities are gradually becoming resources.

Secondly, the resources of the city are gradually improving, and some mature areas can be described as "no room for sale". The news you watch and listen to is all negative information about real estate, because it excites more people. In some mature areas of cities, there is no new site for sale, which is also a state of "no room for sale". In other words, urban planning is not unrestrained planning. The mature areas ten years ago were immature, but now some new areas are also urban resources.

Moreover, urban resources are very different. She doesn't think that the suburbs of the city have great potential now, nor does she think that the mature areas of the city have any potential. Instead, she thinks that there is a business circle in the new city, and the probability of people flowing in the future is high. It can be understood that her choice of real estate is a lot of choices.

Finally, if it is pure real estate investment, that is, real estate speculation, there is no benefit at all. After all, the policy is there. The property she chose is a potential property in a high-quality area of the city. Of course, these properties are not vacant, but choose to rent. At that time, she said that her most successful real estate investment was a new store in her hometown city. Although the investment price was not cheap at that time, the return rate of single rent is as high as 15% now!

Her philosophy is to use the money to buy real estate and then maintain the high value of assets. I am deeply impressed by this, because after so many years, her wealth has only increased. Therefore, "maintaining a high level of relative assets" is the choice of the rich.

I have a colleague whom I know in Beijing. Now I'm back in my hometown, and I often keep in touch. Of course, he is rich, so I won't count, heh ~. Because of his work, his investment philosophy is also outstanding: invest money in the core resources of the stock market!

He is not a securities practitioner and can invest in stocks by himself. What is "the core resource of the stock market"? There are 3,700 listed companies in the stock market, and there are 10000 companies in Qian Qian. Which is good and which is not? This is just like the concept of real estate investment mentioned above. She chooses the resources of the city, and this peer chooses the resources of the stock market.

The stock market is like a city with a big center, but there are thousands of listed companies in the stock market, so there are so many central assets. Simply put: high-quality listed companies. Of course, although his investment method has asset fluctuations, he has benefited a lot in recent years.

When it comes to the stock market, many readers will be confused. After all, few people understand the investment concept of the real estate stock market. I think it is very representative that he put money into the core assets of the stock market. The stock market is the stock market of listed companies and the stock market where thousands of companies in Qian Qian gather together. Which of these listed companies have the highest quality and which can add value every year? These core assets represent high-quality competitiveness. Under this kind of competition, the stock price rise of high-quality listed companies often plays a stronger role.

3.20 18 visited a farm, and an investor's investment view is: commodity resources! He only invested in enterprises, factories, enterprises and companies related to aquaculture, and it was very successful. Speaking of this, more readers will be confused, and I am also confused when I communicate.

What are commodity resources? There are many kinds of aquaculture, including raising chickens, pigs and cattle. Eventually, chickens, eggs, pork and beef will become commodities and then circulate in the market. He only invests in aquaculture and opens up various channels with commodity resources. Don't underestimate this industry. Meat food in daily life is a necessity, and every city has a demand. He regards the breeding factory as a very important commodity resource investment. As long as the funds he raises do not affect his production, and the management and technical personnel are fully equipped, he will go to various places to invest and build factories. And this kind of resource is indispensable to the market in his eyes.

Many readers know that when I just returned to my hometown a few years ago, I did business with my friends. 20 16 A friend from Wuhan came to see me. He is also a winemaker. At that time, it coincided with the worst time of the liquor industry, and the influence of the "plasticizer" storm. And he has been making wine since he entered the society. He is an old-timer, and his investment philosophy is: hiding wine.

Maybe the rich people put their money there and it has a lot to do with this industry. During our communication at that time, the digestion of Kweichow Moutai market was not ideal, and the ex-factory price at that time was around 650 yuan/bottle. Then he makes wine one after another, because he makes wine himself. Sales at that time were still influential, but he still kept the wine. Now the market price of Kweichow Moutai is about 2400 yuan per bottle.

Different industries have different choices, and basically they choose to invest in the industry they are most familiar with in order to succeed. Of course, some rich people put their money into unfamiliar industries, but most of them failed.

Give two examples around you. They are not particularly rich, but tens of millions of assets are still in place. Through their cases, you can see how to "Qian Shengqian"!

One, small business owner 10 years ago, he was just a software salesman in the computer city, and the unit acted as an agent for all kinds of software sales. Later, the unit was depressed, and he lost his job, but he ushered in his new life!

He represented some financial software and medical software in the company. He found a way, why not represent himself?

So he started his own "self-employed" career, from software consignment to recruiting people to develop special medical software for hospitals!

He ran business door to door and finally succeeded. The company has more than 65,438+00 employees, and its income exceeds 2 million pounds. In addition to buying a car of more than 200,000 yuan, he began to invest in buying a house. He spent money to buy a half-story office building (partial loan), which was worth more than 2 million at that time, and bought a suite worth more than 6.5438+0 million. This is the first stage of asset management.

Later, the company continued to make profits. Three years later, the house and office building he bought doubled, so he increased the investment of the company. Meanwhile, his family bought a villa. ...

Under the rolling of capital, his assets have exceeded 20 million a few years ago!

The second, another relative of the self-employed, is engaged in vegetable business at home. Don't underestimate the vegetable basket project of ordinary people, there is a big demand and more money!

Generally, stalls naturally don't make money. Relatives started out as stalls, and then gradually focused on the development of major restaurants, focusing on mass distribution; Later, I did vegetable wholesale and delivered a lot of goods to major hotels.

This is their main business. Similarly, after they got the money, they began to invest in real estate and bought three sets of commercial houses and two sets of facades. Of course, they are all loans. They said: if you don't lend, you are simply a fool!

Because before 10, the house prices in Chongqing rose rapidly, and many of them doubled or even tripled, so it was appropriate to enter the100000 level by real estate.

Two years ago, they opened a hotel, which is in the core business district of the city and also a tourist pedestrian street. At present, this project is estimated to have earned him millions.

The above two people, because they are both engaged in industry, have accumulated their property bit by bit. Therefore, I am very cautious about stocks, hardly involved, and occasionally buy wealth management.

In principle, they are not particularly rich people, but they all have one thing in common in asset management: that is, to fully combine the trend at that time and let the money "turn" instead of being in the bank!