再过5年，100万现金和100万房产哪个好？王健林、李嘉诚看法一致

Group 1: Real Estate Market Outlook - The core viewpoint from industry leaders Wang Jianlin and Li Ka-shing indicates a highly differentiated future for real estate values, with prime properties in first and second-tier cities expected to appreciate, while third and fourth-tier cities may face significant challenges [1] - Wang Jianlin predicts that housing prices in first and second-tier cities will likely continue a slow upward trend over the next decade, driven by ongoing urbanization, with a real urbanization rate of only about 40% when excluding over 200 million migrant workers [1] - Li Ka-shing emphasizes the importance of location in real estate value, asserting that properties in prime locations will withstand the test of time [1] Group 2: Investment Choices for Individuals - Individuals face a difficult decision between investing 1 million RMB in real estate or saving it in a bank, with inflation eroding purchasing power; a 3% annual inflation rate would reduce the real value of 1 million RMB to approximately 744,000 RMB in ten years [3] - The declining trend in bank deposit rates, with five-year fixed deposit rates dropping from around 4% to 1.55%, raises concerns about the viability of simply saving money in banks [3] - Investing in real estate in core cities, particularly those with strong economic growth and population influx, could yield better value by 2030 compared to holding cash, while properties in third and fourth-tier cities may face depreciation risks due to population outflow and market saturation [4][5] Group 3: Diversification Strategy - A diversified asset allocation strategy is suggested as a more prudent approach, involving a portion of funds in prime real estate, financial assets, and maintaining some liquidity for emergencies [5] - The "housing is for living, not for speculation" policy serves as a reminder that real estate should primarily fulfill residential needs before being considered an investment asset [5][7] - The decision between cash and real estate by 2030 will depend on location, purpose, property type, and overall economic conditions, highlighting the need for careful consideration and professional insight in real estate investments [7]