Bilioner Warren Buffett twierdzi, że 30-letnie kredyty hipoteczne są „niezwykle atrakcyjne” dla kupujących, nawet przy wysokich stopach procentowych – „Masz zakład jednokierunkowy”

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Berkshire Hathaway Chair Warren Buffett has a clear view on home financing: the 30-year mortgage gives buyers a built-in advantage. He has called it "the best instrument in the world" and described it as a "one-way bet" that works in the homeowner's favor.

"If you know you're going to live in a given area, or think it's very likely, for a considerable period of time and you've got a family, the home is terrific," Buffett told CNBC in 2017.

The 30-Year Mortgage Locks In Risk And Leaves The Upside Open

Buffett pointed directly to the loan structure.

"One of the reasons a home is a terrific buy is because of the 30-year mortgage," he said.

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"A 30-year mortgage is ‘the best instrument in the world,' Buffett said. ‘Because if you're wrong and rates go to 2%, which I don't think they will, you pay it off. It's a one-way renegotiation. It is an incredibly attractive instrument for the homeowner and you've got a one-way bet.'"

That "one-way" setup comes down to refinancing. A borrower locks in a fixed rate for 30 years. If rates drop later, the loan can be refinanced into a lower rate. If rates rise, the original rate stays untouched.

Rate History Shows How The Strategy Plays Out Over Time

This structure has played out across very different rate environments.

In the early 1980s, 30-year mortgage rates climbed above 18%, creating high initial payments. But as rates declined over time, many homeowners refinanced into lower rates, improving their position without taking on additional risk.

Decades later, the same pattern repeated. During the COVID-era rate drop, 30-year mortgage rates fell to around 3%. Homeowners who had locked in higher rates before that window were able to refinance and reduce their monthly payments.

That's the exact flexibility Buffett described — downside protection with the ability to improve if conditions change.

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Buffett's Own Mortgage Shows How The Strategy Works

Buffett didn't just describe the strategy — he used it.

"When I bought it for $150,000, I borrowed some money from Great Western Savings and Loans," Buffett told CNBC. "So I probably only had $30,000 of equity in it or something like that. It's the only mortgage I've had for 50 years."

That was his 1971 purchase of a Laguna Beach home. Even with the ability to pay cash, he chose to finance the property, keeping more of his capital available for investing rather than tying it up in real estate.

The Consistent Message

Buffett made a similar point during a 2013 interview on Fox Business following the annual Berkshire Hathaway shareholder meeting.

"Anybody who's borrowing money should borrow out for a long period of time. And if you ever want to get a mortgage, today is the day to get a mortgage," Buffett said.

He added that low rates "won't go on forever," reinforcing the value of locking in long-term financing rather than trying to time the market.

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Real Estate Exposure Without A Full Mortgage Commitment

Mortgage rates today sit in the mid-6% range, higher than in prior years, which has made affordability more challenging for many buyers. The structure Buffett described still holds, but not everyone wants to take on a full home purchase or long-term debt.

That's where newer models come in. Platforms like Arrived allow individuals to invest in rental properties with as little as $100, offering potential income and appreciation without managing tenants or carrying a 30-year loan.

Buffett's core point remains intact. For buyers planning to stay in a home long term, the 30-year mortgage still offers a rare combination of stability and flexibility — the kind of setup he described as a "one-way bet."

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Building Wealth Across More Than Just the Market

Building a resilient portfolio means thinking beyond a single asset or market trend. Economic cycles shift, sectors rise and fall, and no one investment performs well in every environment. That's why many investors look to diversify with platforms that provide access to real estate, fixed-income opportunities, professional financial guidance, precious metals, and even self-directed retirement accounts. By spreading exposure across multiple asset classes, it becomes easier to manage risk, capture steady returns, and create long-term wealth that isn't tied to the fortunes of just one company or industry.

Rad AI

RAD Intel is an AI-driven marketing platform helping brands improve campaign performance by turning complex data into actionable insights for content, influencer strategy, and ROI optimization. Positioned within the multi-hundred-billion-dollar digital marketing industry, the company works with global brands across sectors to improve targeting precision and creative performance using its analytics and AI tools. With strong revenue growth, expanding enterprise contracts, and a Nasdaq ticker reserved under $RADI, RAD Intel is opening access to its Regulation A+ offering, giving investors exposure to the growing intersection of AI, marketing, and creator economy infrastructure.

Connect Invest

Connect Invest is a real estate investment platform that allows investors to access short-term, fixed-income opportunities backed by a diversified portfolio of residential and commercial real estate loans. Through its Short Notes structure, investors can choose defined terms (6, 12, or 24 months) and earn monthly interest payments while gaining exposure to real estate as an asset class. For investors focused on diversification, Connect Invest may serve as one component within a broader portfolio that also includes traditional equities, fixed income, and other alternative assets—helping balance exposure across different risk and return profiles.

Mode Mobile

Mode Mobile is changing the way people interact with their phones by letting users earn money from the same apps and activities they already use every day. Instead of platforms keeping all the advertising revenue, Mode Mobile shares a portion back with users who engage with content, play games, and scroll on their devices. Named one of Deloitte's fastest-growing software companies in North America, the company has built a large beta user base and is scaling a model that turns everyday smartphone usage into a potential income stream. For investors, Mode Mobile offers exposure to the expanding mobile advertising and attention economy through a pre-IPO opportunity tied to a new approach to user monetization.

rHealth

rHealth is building a space-tested diagnostics platform designed to bring lab-quality blood testing closer to patients in minutes rather than weeks. Originally validated in collaboration with NASA for use aboard the International Space Station, the technology is now being adapted for at-home and point-of-care settings to address widespread delays in diagnostic access.

Backed by institutions including NASA and the NIH, rHealth is targeting the large global diagnostics market with a multi-test platform and a model built around devices, consumables, and software. With FDA registration in progress, the company is positioning itself as a potential shift toward faster, more decentralized healthcare testing.

Direxion

Direxion specializes in leveraged and inverse ETFs designed to help active traders express short-term market views during periods of volatility and major market events. Rather than long-term investing, these products are built for tactical use—allowing investors to take magnified bullish or bearish positions across indices, sectors, and single stocks. For experienced traders, Direxion offers a way to respond quickly to changing market conditions and act on high-conviction views with greater flexibility.

Immersed

Immersed is a spatial computing company building immersive productivity software that enables users to work across multiple virtual screens inside VR and mixed-reality environments. Its platform is used by remote workers and enterprises to create virtual workspaces that reduce reliance on traditional physical hardware while improving focus and collaboration. The company is also developing its own lightweight VR headset and AI productivity tools, positioning itself in the future-of-work and spatial computing space. Through its pre-IPO offering, Immersed is opening access to early-stage investors looking to diversify beyond traditional assets and gain exposure to emerging technologies shaping how people work.

Arrived

Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.

Masterworks

Masterworks enables investors to diversify into blue-chip art, an alternative asset class with historically low correlation to stocks and bonds.** Through fractional ownership of museum-quality works by artists like Banksy, Basquiat, and Picasso, investors gain access without the high costs or complexities of owning art outright. With hundreds of offerings and strong historical exits on select works, Masterworks adds a scarce, globally traded asset to portfolios seeking long-term diversification.

Finance Advisors

Finance Advisors helps Americans approach retirement with greater clarity by connecting them to vetted, fiduciary financial advisors who specialize in tax-aware retirement planning. Rather than focusing on products or investment performance alone, the platform emphasizes strategies that account for after-tax income, withdrawal sequencing, and long-term tax efficiency—factors that can materially impact retirement outcomes. Free to use, Finance Advisors gives individuals with meaningful savings access to a level of planning sophistication historically reserved for high-net-worth households, helping reduce hidden tax risk and improve long-term financial confidence.

Public

Public is a multi-asset investing platform built for long-term investors who want more control, transparency, and innovation in how they grow wealth. Founded in 2019 as the first broker-dealer to offer commission-free, real-time fractional investing, Public now lets users invest in stocks, bonds, options, crypto, and more—all in one place. Its latest feature, Generated Assets, uses AI to turn a single idea into a fully customized, investable index that can be explained and backtested before committing capital. Combined with AI-powered research tools, clear explanations of market moves, and an uncapped 1% match for transferring an existing portfolio, Public positions itself as a modern platform designed to help serious investors make more informed decisions with context.

AdviserMatch

AdviserMatch is a free online tool that helps individuals connect with financial advisors based on their goals, financial situation, and investment needs. Instead of spending hours researching advisors on your own, the platform asks a few quick questions and matches you with professionals who can assist with areas like retirement planning, investment strategy, and overall financial guidance. Consultations are no-obligation, and services vary by advisor, giving investors a chance to explore whether professional advice could help improve their long-term financial plan.

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