传统观念认为房子是一种终身投资。虽然这可能不是真的，但这也引起了一些争议。不过，与其他投资相比，房子的投资组合似乎不太好。

财经博客jlclinsnh采取了一种相反的方法来研究房子是否应该被视为一种投资。打算列出一份糟糕投资可能具备的属性清单，这份清单相当长。部分：

• It should be not just an initial, but if we do it right, a relentlessly ongoing drain on the cash reserves of the owner.
• It should be illiquid. We'll make it something that takes weeks, no – wait – even better, months of time and effort to buy or sell.
• It should be expensive to buy and sell. We'll add very high transaction costs. Let's say 5% commissi*** on the deal, coming and going.
• It should be complex to buy or sell. That way we can ladle on lots of extra fees and reports and documents we can charge for.
• It should generate low returns. Certainly no more than the inflation rate. Maybe a bit less...
• It should be unproductive. While we're talking about interest, let's be sure this investment we are creating never pays any. No dividends either, of course.
• It should be immobile. If we can fix it to one geographical spot we can be sure at any given time only a tiny group of potential buyers for it will exist. Sometimes and in some places, none at all!
• ...It should be something that locks its owner in one geographical area. That'll limit their opti*** and keep 'em docile for their employers!
• It should be expensive. Ideally we'll make it so expensive that it will represent a disproportionate percentage of a person's net worth. Nothing like squeezing out diversification to increase risk!
• It should be expensive to own, too! Let's make sure this investment requires an endless parade of repairs and maintenance without which it will crumble into dust.

现在，当然，这是一个有点刺耳和矛盾的方法，但要点是值得考虑的。房子当然值得买，原因有很多：安全、稳定、个人欲望。而且，正如我们上次讨论这个话题时一位评论人士提到的，买房意味着你至少在付清房款后拥有了一些东西，而不是在你租房时什么也得不到：

房子是一种资产。资产是“投资”。你买它们，拥有它们，然后卖掉它们。它们就像股票、债券或iphone，因为它们存储价值。你的iPhone的价值可能不会随着时间的推移而增加，但事实上它是一种资产，这意味着你可以通过**它来收回部分投资。然后你可以用这笔钱买下一部iphone。

通过租房，你没有得到资产。你在为使用某样东西的许可付钱，比如租车或音乐会门票。音乐会结束后，除了一些照片和回忆，你没有任何东西可以展示。

虽然这是真的，但值得一提的是，买房过程中有大量的变数，这些变数会影响到你是否会在言行一致的情况下提高你的整体净值。如果投资是你考虑买房的一个主要原因，那么看看房源链接，看看为什么房子不一定是投资的。

为什么你的房子是一个可怕的投资| jlclinsnh通过Rockstar金融

内森摄。