2023年的统计数据显示，英国的存款利率平均为0.8%-0.9%，而中国的存款利率平均为1.5%-2%。英国的平均通货膨胀率为7.5%-8.8%，而中国的平均通货膨胀率为2%-2.2%。

这表明，任何大量的资本都不宜放在银行机构中，这已经成为近5年的趋势，而随着政府债务达到了数万亿，看起来这并不会很快受到投资者或高净值个人的青睐（除非国家债务急剧下降）。如果政府借债过多，政府可能会诱惑通过增加货币供应（印钞）来处理债务并通过通货膨胀偿还债务。但如果这种情况发生，投资者将失去债券的实际价值。由于通货膨胀正在减少债券的实际价值，因此债券的价值将下降。（这有时被称为通货膨胀的违约）。如果投资者担心通货膨胀，他们可能会出售债券，导致利率上升。

这就也突出了为何房产可作为一种资产类别，特别是在英国。在英国，房价平均每年增长8.8%到9.9%，这种增长也已经持续了十年了 - 随着稳定国家债务的迫切需求以及英国住房供应的不足，这种趋势预计将继续5到10年。目前在我所在的英国三个郡之一，未来5到10年只能提供所需住房和物业的30%到35%。

Property when purchased in accordance with business acumen and due diligence can provide a stable platform for increased equity at approx. 8.8%-9.9% every year. Along with property comes income generating rents between £800 to £1000 per month ( figures stated are net examples not gross after all running costs and void periods are accounted for) .

If we took a comparison against this proposed property earning potential against the rate of interest and inflation, we can see that unless you can find a banking facility to provide you with at the very least an interest rate of 5% you will be losing the value of your money sat in the bank doing nothing because inflation will be eroding your capital. With investment in UK property, you can expect a equity gain of at the very least 8% every year along with rental yields.

Property is not as Liquid as stocks, shares and bonds as it requires 5-year terms possibly more, however property is by far more forgiving than commodities and securities, if you encountered a crash or unfavourable trend you will have to simply wait it out until it came back up as your property will still be there, it is a tangible asset and won’t be lost for ever – you will be able to recover your values and investments over time.

Therefore, it makes sense to hold capital in property as you secure it against the high rates of inflation and stop your capital devaluing over time, property will not only be a way to mitigate the risk of inflation, but you will gain on the equity value overtime as the properties become more valuable – and last but not least you will be owning an asset that can also be part of a business model and bring in a monthly cashflow element.
I would like to be able to support you with this in the UK, at the minute our investment proposals Look to provide a ROI of 9% to 10% on your capital invested over a 5-year period possibly longer.

Please look to contact me for an investment proposal that I can provide for you, I will outline to you all the elements of what I can do for you and how I can ensure you obtain a property investment in the UK property sector.

投资回报率公式 ROI =（收益 - 成本）/ 成本

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