你也许会以为,如果向沃伦·巴菲特征求投资建议,这位亿万富翁一定会吹嘘自己长期持有的可口可乐(Coca-Cola)或美国运通公司(American Express)股份。但今天(8月30日)刚满93岁的巴菲特却表示,他持有的伯克希尔-哈撒韦公司(Berkshire Hathaway)股份不如他多年来的个人投资带来的回报亮眼。
其中最令人惊叹的投资就是巴菲特在奥马哈那套众所周知的住宅。1958年,巴菲特和如今已故的妻子苏珊(Susan)以3.15万美元(相当于今天的约33.67万美元)的价格买下了它,自此他便一直居住在那里。然而,房屋市场的价值远比通胀率增长得更快——Realtor.com的数据显示,这套房产目前的价值超过140万美元,约增值4300%,创下了巴菲特标志性的回报率。
长期以来,这位世界闻名的投资者一直表示,这套五居室住宅的回报仅次于他的两枚结婚戒指。他在2010年伯克希尔-哈撒韦公司致股东的信中写道:“总体来看,我做过的最好的投资就是买下我的住宅——尽管如果我选择租房,然后将购房的资金用来买股票,我会赚得远远更多。”不过,像许多购房者一样,巴菲特并没有仅从金钱的角度来看待这笔投资。“我花3.15万美元买下我们的房子,这让我和我的家人获得了52年的美好回忆,而且未来还会有更多。”
尽管巴菲特是世界上最富有的人之一,但他远没有其他亿万富翁那么浮华。财经媒体经常报道称他喜欢吃麦当劳的早餐并喝一罐(或五罐)可乐。据《华尔街日报》(Wall Street Journal)报道,他曾开过一辆装上了刻有“节俭”二字的个性车牌的汽车。
他位于伯克希尔-哈撒韦公司办公室附近的家是体现其节俭的著名例子之一。这是他目前的个人投资组合中唯一的房产。
彭博亿万富翁指数(Bloomberg Billionaire Index)显示,巴菲特当前的身价约为1200亿美元,他在2017年对美国消费者新闻与商业频道(CNBC)表示:“我不会拿这套房产来换取任何东西。”
据《华尔街日报》报道,虽然这是巴菲特最著名的住所,但他之前也在奥马哈的另一处住宅住过几年。更为奢侈的一面是,巴菲特还拥有过一座在加州拉古娜海滩(Laguna Beach)上的海滨别墅,他在上世纪70年代以15万美元的价格购买了这座别墅,并在2018年以750万美元左右的价格将其出售。
自从巴菲特1958年买下他的住宅以来,美国的房地产市场发生了巨大的变化。如今,美国各地的房价急剧上涨,房贷利率仅在过去几年里就翻了一倍多。由于房屋库存有限,人们现在比以往任何时候都更难找到买得起的房子。例如,RedFin的数据显示,当前奥马哈的房价中位数约为27.5万美元,远低于全美的房价中位数,但几乎是巴菲特当时支付的房价的9倍。
正如巴菲特本人在2010年的信中所写的那样,当购房容易让人倍感压力时(美国整个社会的现状正是如此),租房可能是更明智的做法,这要视个人的财务状况而定。即使是超级富豪,如果不谨慎投资,也会入不敷出。如今,人们的负担能力大幅下降,这一警告更是不无道理。
巴菲特写道:“如果购房者眼大荷包小,而贷款机构(通常受到政府担保的保护)又助长其幻想,那么买房会是一场噩梦。我们国家的社会目标不应该是让家庭住进梦想的房子,而应该是让他们住进负担得起的房子。”(财富中文网)
译者:中慧言-刘嘉欢
你也许会以为,如果向沃伦·巴菲特征求投资建议,这位亿万富翁一定会吹嘘自己长期持有的可口可乐(Coca-Cola)或美国运通公司(American Express)股份。但今天(8月30日)刚满93岁的巴菲特却表示,他持有的伯克希尔-哈撒韦公司(Berkshire Hathaway)股份不如他多年来的个人投资带来的回报亮眼。
其中最令人惊叹的投资就是巴菲特在奥马哈那套众所周知的住宅。1958年,巴菲特和如今已故的妻子苏珊(Susan)以3.15万美元(相当于今天的约33.67万美元)的价格买下了它,自此他便一直居住在那里。然而,房屋市场的价值远比通胀率增长得更快——Realtor.com的数据显示,这套房产目前的价值超过140万美元,约增值4300%,创下了巴菲特标志性的回报率。
长期以来,这位世界闻名的投资者一直表示,这套五居室住宅的回报仅次于他的两枚结婚戒指。他在2010年伯克希尔-哈撒韦公司致股东的信中写道:“总体来看,我做过的最好的投资就是买下我的住宅——尽管如果我选择租房,然后将购房的资金用来买股票,我会赚得远远更多。”不过,像许多购房者一样,巴菲特并没有仅从金钱的角度来看待这笔投资。“我花3.15万美元买下我们的房子,这让我和我的家人获得了52年的美好回忆,而且未来还会有更多。”
尽管巴菲特是世界上最富有的人之一,但他远没有其他亿万富翁那么浮华。财经媒体经常报道称他喜欢吃麦当劳的早餐并喝一罐(或五罐)可乐。据《华尔街日报》(Wall Street Journal)报道,他曾开过一辆装上了刻有“节俭”二字的个性车牌的汽车。
他位于伯克希尔-哈撒韦公司办公室附近的家是体现其节俭的著名例子之一。这是他目前的个人投资组合中唯一的房产。
彭博亿万富翁指数(Bloomberg Billionaire Index)显示,巴菲特当前的身价约为1200亿美元,他在2017年对美国消费者新闻与商业频道(CNBC)表示:“我不会拿这套房产来换取任何东西。”
据《华尔街日报》报道,虽然这是巴菲特最著名的住所,但他之前也在奥马哈的另一处住宅住过几年。更为奢侈的一面是,巴菲特还拥有过一座在加州拉古娜海滩(Laguna Beach)上的海滨别墅,他在上世纪70年代以15万美元的价格购买了这座别墅,并在2018年以750万美元左右的价格将其出售。
自从巴菲特1958年买下他的住宅以来,美国的房地产市场发生了巨大的变化。如今,美国各地的房价急剧上涨,房贷利率仅在过去几年里就翻了一倍多。由于房屋库存有限,人们现在比以往任何时候都更难找到买得起的房子。例如,RedFin的数据显示,当前奥马哈的房价中位数约为27.5万美元,远低于全美的房价中位数,但几乎是巴菲特当时支付的房价的9倍。
正如巴菲特本人在2010年的信中所写的那样,当购房容易让人倍感压力时(美国整个社会的现状正是如此),租房可能是更明智的做法,这要视个人的财务状况而定。即使是超级富豪,如果不谨慎投资,也会入不敷出。如今,人们的负担能力大幅下降,这一警告更是不无道理。
巴菲特写道:“如果购房者眼大荷包小,而贷款机构(通常受到政府担保的保护)又助长其幻想,那么买房会是一场噩梦。我们国家的社会目标不应该是让家庭住进梦想的房子,而应该是让他们住进负担得起的房子。”(财富中文网)
译者:中慧言-刘嘉欢
Ask Warren Buffett for investment advice, and you might expect the billionaire CEO to tout his long-held stakes in Coca-Cola or American Express. But according to Buffett, who turns 93 today, his Berkshire Hathaway holdings are less impressive than the personal investments he’s made throughout the years.
Among the best: the Omaha house he has famously lived in since 1958, when he and his late wife Susan bought it for $31,500, or around $336,700 in today’s dollars. But the housing market has grown in value much faster than the rate of inflation—The home is now worth over $1.4 million, according to Realtor.com, which at roughly 4,300% is a trademark Buffett rate of return.
The world-famous investor has long said the five-bedroom home comes in just behind his two wedding rings in terms of payoff. “All things considered, the third best investment I ever made was the purchase of my home, though I would have made far more money had I instead rented and used the purchase money to buy stocks,” he wrote in a 2010 Berkshire Hathaway letter to shareholders. Like many homebuyers, though, he didn’t look at it purely from a dollar-and-cents perspective. “For the $31,500 I paid for our house, my family and I gained 52 years of terrific memories with more to come.”
Despite being one of the richest men in the world, Buffett is far less flashy than some of his fellow billionaires. The financial media is rife with reports of his love for McDonald’s breakfasts and a crisp can (or five) of Coke. He once drove a car with a vanity license plate that read “THRIFTY,” according to the Wall Street Journal.
His home, which is located close to Berkshire Hathaway’s corporate offices, is one of the better-known examples of his frugality. It is currently the only real estate in his personal portfolio.
“I wouldn’t trade it for anything,” Buffett, who is currently worth around $120 billion, according to the Bloomberg Billionaire Index, told CNBC in 2017.
Though it’s his most famous residence, Buffett had also lived in a different Omaha home for a few years previously, according to the Wall Street Journal. On the more extravagant side, he also owned a beach house in Laguna Beach, Calif., which he bought for $150,000 in the 1970s and sold for around $7.5 million in 2018.
The real estate market in the U.S. has changed significantly since Buffett bought his home in 1958. Now, prices across the country have increased precipitously, and interest rates have more than doubled in just the past few years. With limited inventory, it’s harder to find a home to buy at all than it’s ever been. For instance, the median home price in Omaha today is around $275,000, according to Redfin, well below the national median but almost nine times what Buffett paid for his house.
As Buffett himself wrote in the 2010 letter, while it is easy to feel pressured into buying a home—and all it represents in American society—it can be smarter to rent, depending on your personal financial circumstances. Even the ultra wealthy can overextend themselves if they’re not prudent. That warning rings even truer today, when affordability has deteriorated so much.
“A house can be a nightmare if the buyer’s eyes are bigger than his wallet and if a lender—often protected by a government guarantee—facilitates his fantasy,” Buffett wrote. “Our country’s social goal should not be to put families into the house of their dreams, but rather to put them into a house they can afford.”