In addition to income, another factor affecting wealth growth is inflation. Because of inflation, the money in our hands is becoming less and less valuable. If it was in the past 20 years, a person with 1 10,000 should be considered very rich. But now, even if there is 6,543,800 yuan, we will not think that we can rest easy in the future, not only because the money is worthless now, but no one knows how much 6,543,800 yuan will be worth in 20-30 years. According to the annual inflation rate of 3%, the 6,543,800+in 30 years is only equivalent to the current 400,000. Whether it is enough for the elderly is a problem. If there is 654.38+0 million now, what can be done to make it continue to appreciate?

First, how about investing in buying a house?

If it was 10 or 20 years ago, it might be a good choice to buy a house with100000. In 2008, even the house price in Beijing was only over 10,000 square meters. If you bought a house in Beijing with 654.38+00,000 at that time, it will cost at least 6-7 million now. Of course, if it was 20 years ago, the house price of the Second Ring Road in Beijing was only about 2,000 yuan/square meter. If you bought 5-6 suites with 1 10,000, you should be a multimillionaire now.

But now, if you want to buy a house, you have to weigh it. First, house prices are already high. If you want to buy a house, you can only go to some non-hot second-tier cities and third-and fourth-tier cities. Second, house prices are already at a historical high, and no one can say whether they will rise in the future. So investing in buying a house now is not only costly, but also risky. But if you don't have to buy a house, what should you do with it?

Second, if you don't buy a house, what should 1 10,000 be used for?

First of all, for those who pursue stability and don't want to take too much risks, there may be the following options:

1, bank deposit.

The biggest advantage of bank deposit is peace of mind and peace of mind. Although you can occasionally see the loss of deposits, this is only an example and there is a reason. Under normal circumstances, there will be no security problems when money is placed in banks, and bank failures are very rare. However, the biggest criticism of putting money in the bank is that the expected return is too low. Judging from the interest rate of bank deposits and the level of inflation, I am afraid that only the interest rates of time deposits and certificates of deposit in some banks for three to five years can outperform inflation.

Taking a three-year time deposit as an example, some banks with higher deposit interest rates can reach about 3.3%, barely outperforming inflation, and the annual interest of 654.38+00,000 is 33,000. If you keep it this way and don't take it out (interest is not taken out), there should be 2.57 million yuan in 30 years, and the pension money should be there.

2. National debt.

Basically, as long as it is a national debt with a maturity of more than three years, the expected rate of return can be above 3%, which can basically outperform inflation. If it is more than 30 years, the expected rate of return can reach more than 4%. Of course, what we are talking about here is book-entry interest-bearing government bonds. The expected yield of savings bonds is slightly higher, and the expected yield in three years can reach 4%. The disadvantage is that it is difficult to buy. If the annual interest of 654.38+00,000 is 40,000 according to the expected rate of return of 4%, and the interest received every year continues to be used to buy government bonds, then the value of 654.38+00,000 should increase to about 3.24 million after 30 years, which is still stronger than bank deposits.

3. Bank financing.

Bank financing is also one of the sound financial management methods. The average expected rate of return on bank wealth management is around 4.5%, so it is no problem to outperform inflation. Of course, if you look more, it's not that you can't find a bank wealth management product with an expected rate of return of more than 5%. If you spend 100000 yuan on bank financing with an expected rate of return of 5%, you will get an expected return of 50000 yuan every year. At the same time, if we continue to buy similar products with these expected returns, it should grow to 4320000 after 30 years, which is more than 10000 yuan!

Therefore, if you don't want to be rich or expensive, but just want to be old, maybe it's not bad to use 6,543,800 yuan to do these kinds of sound financial management.

But if you want to be rich and expensive, stocks, stock funds, futures, financial derivatives and so on. Are optional. But these financial risks are relatively large, and the other side of being rich and expensive may be as poor as a mouse in a church. So if you can't take risks, you'd better be cautious.