Daily dedicated time for private message questions: About Asset Allocation

Thank you for your trust.
I understand your current dilemma—on one hand, a property in a prime location, and on the other, profitable gold holdings. It’s indeed a constant weighing process.
There’s no need to rush into a decision right now.
First, your property is in Huangpu District, Shanghai, and is still within the restriction period, which ends in November 2026. Even if it’s listed at 39 million yuan now, the listing price does not equal the transaction price; the actual market price depends on the real transaction.
Second, you’ve already gained a 25% profit on gold, indicating your allocation has been successful. But because it has already risen, increasing your position significantly now also involves considering its inherent volatility risk.
Third, real estate is a long-term core asset, while gold is a highly volatile financial asset. The attributes of the two are quite different. Converting a high-value core asset into a single financial asset all at once can significantly increase concentrated risk.
Therefore, my personal view is not simply “sell or not sell,” but to avoid extreme decisions for now. When the restriction period approaches, it will be more comfortable to assess the market situation at that time. If you are long-term bullish on gold, you can gradually allocate funds that can withstand volatility, rather than converting everything at once.
In fact, all asset prices are essentially expectations of the future, but the future often does not move in a single direction. Instead of betting on one trend, it’s better to structure your assets more balanced. This way, no matter how the market moves, you’ll feel more at ease overall.