The first method, deposit in the bank, is the simplest and most unsuccessful. After deducting the inflation rate, according to the interest rate of one-year fixed deposit, the real rate of return of 20-year deposit is definitely negative, not to mention the income tax on deposit interest.

The second way is to buy government bonds. According to coupon rate weighted by Wind information, in the past 20 years, the investment bonds of 100 yuan can be increased to 36 1 yuan, which is equivalent to 128 yuan 20 years ago when the purchasing power drops by 65% after 20 years. After 20 years, the real appreciation is 28%, which is equivalent to 20-year deposits, and the annual real interest rate is/kloc.

The third way is to buy gold. Investment in the New York Mercantile Exchange COMEX gold futures only increased by 2.66 times from 1989 to 10 in 2009. 1989 The price of gold purchased by the People's Bank of China is 48 yuan per gram. 5438+In February 2009, the average transaction price of spot gold 9999 in Shanghai Gold Exchange in that month was 244 yuan per gram, which increased five times in 20 years. If you buy gold with 100 yuan after 20 years, the value will increase to 508 yuan, which is equivalent to 180 yuan 20 years ago, which is equivalent to 80% of the real value appreciation after 20 years.