Kev Lag Luam Vaj Tsev txuas ntxiv mus

Ntsiab Cai

• Cov ntawv cog lus muag hauv tsev uas twb muaj lawm tau nqis 4% thaum lub Kaum Ib Hlis, txuas ntxiv qhov swb mus rau kaum lub hlis ncaj.
• Nws yog ib qho pov thawj ntxiv ntawm kev poob qis hauv kev lag luam vaj tsev, nrog tus nqi qis 9.1% txij li lub Tsib Hlis.
• Nws yog qhov kev xav tau ntawm Fed txoj cai ntawm kev nce cov paj laum kom txo qis nyiaj txiag, nrog rau qhov nruab nrab 30 xyoo tas li tus nqi qiv nyiaj ob npaug rau xyoo dhau los.

Kev lag luam vaj tsev nyob hauv Asmeskas tau muaj ob peb lub hlis. Raws li National Association of Realtors, cov ntawv cog lus los yuav cov tsev yav dhau los hauv Teb Chaws Asmeskas tau poob ntau dua li qhov xav tau nyob rau lub Kaum Ib Hlis - rau lub hlis ncaj ntawm kev poob qis.

Qhov laj thawj tseem ceeb tom qab lub caij nplooj zeeg yog vim Tsoom Fwv Teb Chaws Reserve nce cov paj laum hauv kev sim txwv kev nce nqi, uas ua rau lub tsev lag luam yuav luag tsoo kom nres.

NAR's Pending Home Sales Index, uas yog raws li daim ntawv cog lus kos npe, pom tias cov ntawv cog lus poob los ntawm 4% rau 73.9 thaum lub Kaum Ib Hlis. Txhawm rau muab qhov kev xav ntawd, cov ntawv cog lus poob qis 37.8% piv rau tib lub sijhawm xyoo dhau los. Ouch.

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Vim li cas kev lag luam vaj tsev qeeb qeeb?

Tab sis yog vim li cas qhov no tshwm sim? Zoo, kev lag luam vaj tse tshwj xeeb yog qhov tshwj xeeb rau kev hloov pauv ntawm cov paj laum, thiab Fed tus nqi nce siab tau ua rau cov nqi qiv nyiaj nce ntxiv. Qhov tseeb, 30-xyoo tus nqi qiv nyiaj tau nce mus txog 7% thaum Lub Kaum Hli thawj zaug txij li xyoo 2002, ntau dua ob npaug hauv tsuas yog cuaj lub hlis xwb.

Cov tsev qiv nyiaj tshiab tam sim no yog ib qho heck ntawm ntau kim tshaj li ib xyoos dhau los, thiab nws ua rau cov neeg yuav khoom muaj peev xwm ceev faj txog kev dhia dej hauv qhov kev yuav khoom loj.

Qhov kev nce qib ntawm cov nqi qiv nyiaj tam sim no tau rub tawm cov ntaub pua plag tawm los ntawm qhov uas tau ua lag luam kub-kub vaj tsev, uas tau txhawb nqa los ntawm cov nqi qiv qis hauv keeb kwm thiab maj nrawm mus rau cov cheeb tsam thaum muaj tus mob coronavirus pandemic.

Kev poob qis hauv cov ntawv cog lus tau kos npe txhais tau hais tias kev muag khoom hauv tsev uas twb muaj lawm kuj tseem yuav poob qis tom qab ua rau lawv qhov 10th ncaj ib hlis poob rau lub Kaum Ib Hlis. Raws li cov ntaub ntawv los ntawm lub lim tiam dhau los, qhov kev muag khoom txhua xyoo ntawm ob lub tsev tshiab thiab cov uas twb muaj lawm tau poob los ntawm 35% txij li thaum pib ntawm lub xyoo, mus txog lawv qhov qis tshaj plaws txij li xyoo 2011. Qhov no sawv cev rau ib qho kev poob qis tshaj plaws ntawm cov ntaub ntawv.

Thiab yuav ua rau muaj teeb meem loj dua, tsev neeg ib leeg tshiab pib thiab kev tso cai tawm mus txog ob xyoos thiab ib nrab xyoo qis rau lub hli tas los thiab.

Yog li, nws zoo li lub tsev lag luam tau hnov ​​​​qhov cuam tshuam ntawm Fed qhov kev ua hauv lub sijhawm tiag tiag, thiab nws tsis zoo. NAR Tus Thawj Saib Xyuas Kev Lag Luam Lawrence Yun tau sau tseg los ntawm kev hais tias, "kev muag khoom hauv tsev thiab kev tsim kho tau ua rau muaj kev cuam tshuam rau kev lag luam dav dav."

Qhov twg los ntawm no rau lub tsev lag luam?

Tsis muaj kev khiav tawm ntawm nws, qhov xwm txheej yuav tshwm sim ua ntej nws zoo dua. Fed tau hais meej tias lawv npaj yuav nce tus nqi ntau npaum li lawv xav tau txhawm rau kom tau nyiaj nce rov qab mus rau lub hom phiaj ntawm 2-3%.

Nws tau pib rov qab los, tab sis nws tseem staggeringly siab ntawm 7.1%.

Qhov ntawd txhais tau tias peb tuaj yeem cia siab tias cov nqi yuav nce ntxiv los ntawm no, thiab muaj peev xwm los ntawm ntau heev. Rau cov neeg yuav tsev muaj peev xwm, cov tsev qiv nyiaj yog li ntawd mus txuas ntxiv kom tau nyiaj ntau dua. Qhov ntawd yuav txhais tau tias tsawg dua cov neeg yuav khoom ntawm kev ua lag luam rau tsev, uas yuav ua rau muaj kev cuam tshuam ntxiv rau kev ua vaj tsev.

Thiab qhov ntawd yog tag nrho cov ntsiab lus.

Txhua tus neeg uas xav kom lub tsev lag luam tuaj tos sai sai yuav pom lawv tus kheej ntsib nrog Fed, uas tau txiav txim siab los tshem tawm cov cua sov thiab ua rau kev nce nqi.

Tom qab txhua lub rooj sib tham Tsoom Fwv Teb Chaws Qhib Kev Lag Luam, qhov twg cov tswv cuab ntawm Fed pom zoo rau qhov twg los teeb tsa tus nqi, cov tswv cuab ib leeg raug soj ntsuam ntawm qhov lawv pom tus nqi 12 lub hlis txij li tam sim no.

Qhov no yog lub npe hu ua 'dot plot' vim txoj kev cov ntaub ntawv tau sawv cev, thiab cov phiaj xwm tam sim no qhia qhov kev cia siab nruab nrab ntawm cov nqi yog tias lawv ntaus 5.1% thaum kawg ntawm xyoo tom ntej. Qhov ntawd tseem yog qhov tseem ceeb nce los ntawm qib tam sim no ntawm 4.25 - 4.5%.

Qhov ntawd txhais li cas rau cov neeg yuav khoom hauv tsev?

Yog tias koj tab tom nrhiav kom tau rau ntawm tus ntaiv vaj tsev, qhov kev hloov pauv ntawm cov paj laum no yuav ua rau koj cuam tshuam me ntsis. Cov tsev koj tau pom tej zaum tsis tau nqis los ntawm tus nqi, tab sis lub tsev qiv nyiaj koj yuav tsum tau yuav nws yeej muaj.

Qhov kev pheej hmoo tsis tu ncua ntawm kev lag luam vaj tsev zoo li yuav ua rau cov nqi qis qis hauv lub sijhawm luv mus rau nruab nrab. Peb twb pom qhov pib tshwm sim lawm. Raws li Redfin, tus nqi muag nruab nrab hauv lub Tsib Hlis hauv Teb Chaws Asmeskas ntaus $ 433,425. Thaum lub Tsib Hlis, qhov ntawd tau poob rau $ 393,682.

Yog tias cov paj laum tseem nce ntxiv raws li lawv xav tau, thiab cov lej muag hauv tsev kuj tseem poob qis, nws muaj peev xwm ua rau cov nqi yuav nce mus ntxiv.

Qhov ntawd yuav coj qee qhov sting tawm ntawm kev nce nqi ntawm kev qiv tsev. Koj tseem yuav tau them cov paj laum ntau dua li qhov koj xav tau 12 lub hlis dhau los, tab sis yog tias tus nqi ntawm lub tsev koj tab tom yuav nqes ib yam nkaus, ces lub tsev qiv nyiaj yuav tsis loj li.

Txawm li cas los xij, ib txoj hauv kev zoo tshaj plaws los pab tiv thaiv koj tus kheej tawm tsam cov kev hloov pauv no yog kom muaj kev them nyiaj loj dua.

Qhov loj dua qhov kev them nqi qis, qhov qiv nyiaj ntau dua uas yuav muaj rau koj thiab qhov qis dua koj cov nyiaj rov qab tsis tu ncua tuaj yeem ua tau. Rau cov neeg tab tom nrhiav kom txhawb qhov loj ntawm lawv cov nyiaj them poob haujlwm, muaj ob peb txoj hauv kev uas koj tuaj yeem xav txog.

Obviously koj tuaj yeem sim txuag koj cov nyiaj tau los ntau dua. Qhov ntawd yog qhov yooj yim hais dua li ua nyob rau hauv lub era ntawm ntuj tus nqi ntawm kev nyob. Lwm txoj hauv kev yog saib mus rau kev lag luam peev hauv lub hom phiaj kom loj hlob koj cov nyiaj them poob haujlwm li ntawd.

Kev nkag mus rau hauv kev lag luam tam sim no tuaj yeem yog qhov nyuaj. Nws tuaj yeem yog lub sijhawm zoo los nkag rau hauv, nrog cov dej tsaws tsag loj uas peb tau pom, tab sis lawv kuj tseem tuaj yeem poob ntxiv. Yog tias koj ntshai, xav txog kev ntxiv peb AI-powered Kev Tiv Thaiv Portfolio.

Qhov no siv AI los tshuaj xyuas koj cov ntaub ntawv qhov kev xav tau rau ntau yam kev pheej hmoo sib txawv xws li kev pheej hmoo ntawm cov paj laum, tag nrho kev pheej hmoo ntawm kev lag luam thiab kev pheej hmoo roj. Tom qab ntawd nws cia li siv cov tswv yim zoo hedging los pab tiv thaiv lawv.

Nws yog hom lub tswv yim feem ntau tshwj tseg rau cov neeg siv nyiaj siab dav dav, tab sis peb tau ua kom muaj rau txhua tus. Koj tuaj yeem ntxiv Portfolio Protection rau ib qho ntawm peb Cov khoom siv Foundation.

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