Financial management needs a needle under inflation
Consider different degrees of inflation. Generally speaking, it can be roughly divided into
5%
Moderate inflation,
10%
At a high inflation rate,
10%
exceed
Qualcomm has risen and even reached as high as
three
Single digit hyperinflation, etc.
2%~5%
Mild inflation is usually the healthiest period of the economy.
(
Too low inflation is bad for the economy.
)
. At this time, the general interest rate is not high, the economy
The economy is good Although there is some inflation at this time, don't buy a lot of daily necessities or gold, but make full use of your own funds and divide them.
Enjoy the benefits of economic growth. An active investor should put all his money into the market. At this time, no matter the stock market, real estate market or industrial investment, it is very important.
Not bad. Aggressive investors can even consider using loans to increase investment funds. Of course, the other side of this idea is that they should not buy at this time.
Bonds, especially long-term bonds. And it should be noted that
：
Don't sell the assets held by your opponents easily, even if they have made good profits, because they are bigger.
The income is behind.
When inflation reaches
5%~ 10%
At a higher level, the economy is usually in a very prosperous stage, and it is often when the stock market and real estate market are soaring.
Period. At this time, some regulatory measures introduced by the government are often overwhelmed by the enthusiasm of the market. At this time, it is time for rational investors to leave the stock market.
Be careful when investing. Business owners will still have high returns, but it is not advisable to blindly expand production and increase investment. Far-sighted entrepreneurs even
We should prepare food and grass for the coming winter.
In the case of high inflation, the economy has obviously overheated, and the government will inevitably introduce some stricter control policies, so the chances of a soft landing of the economy are not good.
Yes, basically there will be a period of recession immediately after the economy. Therefore, we must leave the stock market at this time. Real estate as a physical asset is not a big problem, and it can even be said that,
It is a powerful weapon against inflation, but it should be noted that you should not borrow money to buy a house. At this time, the financial cost is very high, and you must not speculate in real estate, or even.
When it is a good time to invest in real estate, we should also reduce our holdings of real estate for investment, because the real estate market will definitely be affected in the next economic recession. At this time,
Interest rate should have reached a very high level, and long-term fixed-income investment has become the best choice, such as long-term bonds, but corporate bonds should be careful and have high solvency.
May disappear with the economic recession. There is also insurance, you can buy more savings insurance. Of course, the premise is that when the next era of high interest rates comes,
The product design level of our insurance company is still like that of the last century.
90
Just like in the 1970s.
(
It is estimated that the probability is not great.
)
When there is hyperinflation, financial management is very simple.
：
Change all your property into another currency as soon as possible, and then leave to create money.
An expanding country. At this time, any financial assets are rubbish, even real estate, enterprises and other physical assets can not be taken, because the economy here will inevitably fall into a long period.
Depression, even turmoil. Gold and collection became a good choice at this time, because these are physical assets that can be taken away and have no geographical nature.
The analysis of different inflation levels helps us to have a clear understanding of inflation. In fact, the development and formation of inflation often have no strict time and range.
The definition of degree, therefore, under the condition of inflation, when we face the sudden changes in the stock market pattern, step by step overweight control measures, dazzling product composition, so that
More and more people have sent out
"
Financial management has never been so difficult.
"
Sigh.
I personally recommend the financial management strategy under the condition of inflation.
"
Combined financial management method
"
So as to avoid uncertain factors, blind investment or holding high-risk assets.
Facing all kinds of dangers.
Portfolio financial management mainly involves the following principles.
：
According to the risk tolerance, on the premise of paying attention to safety,
Ordinary citizens should be firm in financial management.
Holding the principle of long-term investment, whether investing in the stock market, funds, real estate or gold market, avoid frequent entry and exit, chasing up and down, and choose some low-risk ones.
Long-term asset investment with stable value. I suggest focusing on four types of financial management.
：
Funds, real estate, bank wealth management products, gold. Pay attention to national macro-politics.
Policy changes, timely adjustment of financial behavior, investors should learn to understand the intention of management from the new macro-control policies, from the current macro-control
From the perspective of regulatory policy, although the direct purpose of management is to curb the liquidity process, it directly plays a direct regulatory role in the operation of the securities market, and
This effect is stronger than the impact on the property market.
Accordingly, investors should take corresponding preventive measures against market risks, rationally allocate or re-optimize the investment structure, and make blind profits in the securities market.
Stupid behavior may bring disaster to your investment. At the same time, the reduction or suspension of personal interest income tax has little impact on other markets, such as the gold market.
Under any influence, it will still run in its own orbit.
Grasp the proportion of asset allocation: investors should pay attention to portfolio investment, grasp the proportion of various assets, and strive to achieve the best portfolio effect. investment
Portfolio aims to combine various assets, including cash deposits, stocks, funds, real estate and gold, to improve investment performance or security.
To some extent, how to configure can depend on personal needs. The advantage of this is that the overall security of assets is high, the risk is small and the income is relatively stable.
At present, there are many investment products on the market, besides stocks, there are also closed-end funds, index funds, money market funds and so on. close
The high discount rate of the fund makes it have the characteristics of low risk. And index funds such as
50ETF
, can help investors overcome the disadvantages of difficult stock selection, eliminate
Bought a lot of poor quality stocks. Because money market funds hold short-term bonds, they also have certain anti-inflation ability. Buy to avoid inflation risk
The standard to measure the value of a property is high rental return rate, such as Grade A office buildings, houses with high rental return rate and high-quality shops. bank investment
There are many products, among which
QDII
Products deserve special attention, because if inflation intensifies, the local currency may depreciate, and some assets can be appropriately dispersed overseas.
Fight inflation.
Investing in gold should be an important part of portfolio management. As the only non-credit currency in the world, gold can be regarded as the representative of eternal value.
The most obvious embodiment of this significance is the investment value of gold in the era of inflation.
：
Paper money will depreciate because of inflation, but gold will not. From the perspective of asset allocation
To some extent, due to the negative correlation between gold and most assets, the overall risk of the portfolio can be balanced to obtain more stable returns. therefore
Holding gold for a long time is a safer investment strategy when inflation intensifies.
On various financial management methods in the period of inflation
As ordinary people, living in the case of inflation, in order to avoid being damaged by inflation, we must learn the wisdom of survival and strive to put ourselves
Forging into a financial expert who cares about everything.
Moderate inflation in a sense,
Is a process of wealth transfer and redistribution,
So the right coping methods can benefit you,
At least suffer less.
Some losses.
The best way to deal with inflation is to invest. If the investment income exceeds the inflation rate, assets can be preserved and increased to avoid shrinking. basis
This paper compares various investment methods in the period of inflation to help ordinary people invest in financial management.
1
bank deposit
The main characteristics of bank deposits are low risk, good liquidity and low income. Although the state will appropriately raise interest rates during inflation, inflation and interest rates.
There are usually two adjustments.
"
time lag
"
Raising interest rates is often slower than inflation. During this period, depositors' deposits will have negative interest rates, and now they are using negative interest rates.
According to the one-year fixed deposit rate
3.87%
What about this year
5%
Left and right
consumer price index (CPI)
Compared with growth, the effect is needless to say, so when inflation occurs, banks should reduce their assets as much as possible.
The proportion of deposits.
2
Buy bonds
National debt is characterized by higher income than bank deposits.
Less risk, average liquidity,
Many investors regard the purchase of government bonds as an investment with high interest rate.
fact
In fact, with the convening of the Central Economic Work Conference,
2008
With the strengthening of macro-tightening expectations in 2008, the bond market often presents a weak consolidation pattern.
And there is a possibility of continuous decline.
Under the inflation, it is not a wise choice to invest in national debt. However, after full adjustment, the trend of some individual convertible bonds gradually stabilized, with one
Fixed investment value.
three
, bank wealth management products
Various wealth management products launched by banks make it possible to beat inflation. Their main characteristics are high return, medium risk and general liquidity. if
You are a fan of low-risk products, so you might as well join the bank's financial plan. Under normal circumstances, the yield of better wealth management products of banks is higher than the inflation rate.
At present, the minimum annual yield of wealth management products launched by many banks has exceeded.
5%
The highest annual rate of return may exceed
15%
Bank wealth management products also have high thresholds and
The liquidity is slightly poor. According to relevant regulations, the sales threshold of bank wealth management products is
five
10,000 RMB or equivalent currency
five
Ten thousand yuan in foreign currency. In some
In the specific investment of wealth management products, such as direct investment in overseas securities markets.
QDII
Products, the minimum threshold is
30
Ten thousand yuan RMB or equivalent foreign currency. And stocks.
Different from the strong liquidity of funds, most wealth management products generally have a fixed investment period, from
three
From a month to a year or two, some manage money.
Even if the product has an early redemption clause, there are restrictions on redemption time and income loss. Based on these two points, when ordinary investors choose bank wealth management products,
It is more necessary to comprehensively consider and understand the investment targets, benefits and risks involved in the design of wealth management products, and choose the appropriate term according to their own needs and plans.
Products. It should be noted that with the spread of the subprime mortgage crisis in the US market in recent years in the global market, investors should try to avoid linking with overseas capital markets.
Financial products.
four
Buy funds and invest in the stock market.
Buying a fund is actually entrusting an expert to manage your money. Practice has proved that funds can easily outperform.
consumer price index (CPI)
If you want to choose a low-risk and high-return investment.
Variety swelling resistance
consumer price index (CPI)
The first one is the fund. Especially in the first half of this year, the fund market was the most active.
100%
Left and right average
The yield makes ordinary investors jealous. Generally speaking, the fund has high returns and high risks. But there are some on the market at present.
50
A number of fund companies
300
Multiple funds,
Coupled with the endless stream of new products, it is dazzling, but there are only three kinds of subdivision:
(
1
), stock funds
Statistics show that,
First half of this year
137
Only the net income realized by equity funds has been achieved.
2246.64
One billion yuan,
The high returns of stock funds are enviable.
But it
The risks are also great. Investors of equity funds mainly face the following risks: First, the stock market risks. Because the main funds of stock funds are invested in the stock market.
In the market, when the stock market fluctuates, the net value of the fund will also fluctuate. This year,
10
The stock market adjustment that began in June also taught the general public a profound lesson. because
Therefore, the uncertainty of the future return of the stock market inevitably means that there is considerable uncertainty in the future return of the stock fund. The risk of the stock market itself
It is usually called system risk. In addition, there are risks in capital operation. Funds, asset custody, net worth calculation, investor account management, etc. in securities trading.
Mistakes or inefficiencies will also harm the interests of fund investors. So I suggest that in order to win.
consumer price index (CPI)
The basic people who choose to buy stock funds must first do well.
Be prepared to take certain risks.
(
2
)、
bond
Fund type:
If you want to win,
consumer price index (CPI)
In order to get higher returns, but don't want to take too high risks, buying bond funds may be a good choice. Normal sum
In other words, if the bond fund fully invests in bonds, the annual yield is likely to be only
2%
reach
3%
About. But at present, bond funds are often set up in China.
Thirty percent
follow
The proportion of investment in the stock market, so that the income will be higher than the money market fund. At present, Rongtong Bond, Huaxia Bond and China Merchants Bond are all pure bond funds.
(
no
You can invest in stocks
)
; Other bond funds can choose to invest in some stocks or participate in the placement and issuance of new shares according to the contract. According to statistics, bond type
Kim's average performance in the first half of this year is
12.39%
However, compared with equity funds, the risk is much lower.
three
) Monetary Fund:
Among the types of funds, money market funds have the least risk, and the annual income is not high, but it is much higher than bank deposits. Money market fund matching machine
Structurally, it is a tool of cash management; For individuals, it is the best substitute for savings and demand deposits. By investing in money market instruments,
While obtaining a certain rate of return, it provides high liquidity to meet daily payment needs. For investors involved in the stock and bond markets,
When the phased income target is reached, in order to avoid the risks in the securities market, there is no urgent need for funds, and the funds can be converted into money market funds and wait for re-entry.
Capital market timing. Therefore, it is suggested that people with low risk tolerance can consider buying money market funds.
Investing in the stock market may be a good choice for people who have certain endurance. Due to the rapid economic development in China and the continuous appreciation of RMB, the performance of listed companies is not good.
Without growth, the stock market will be bullish for a long time. And practice has proved that moderate inflation is beneficial to the stock market, because inflation is first manifested in the real economy, and then
Will be transmitted to the capital market, and its performance is the rise of stock prices. Investors can make up for the depreciation of assets caused by inflation by investing in excellent growth stocks.
In addition, behind stocks are enterprises, and behind many enterprises are assets that can fight inflation and products that can raise prices. of course，
Assets-rich industries, such as real estate and finance; Enterprises that directly benefit from the growth of total consumption, such as retail department stores; For rigid demand, enterprise pricing can
Strong brand consumer goods, such as high-grade liquor, jewelry enterprises and resource-based industries, will become ideal investment targets in an inflationary environment.
five
Invest in real estate, gold and art.
Investing in real estate during inflation is also a good choice.
As prices rise, asset prices will inevitably rise.
Investing in real estate can at least preserve the value of assets.
Even add value. But investing in real estate requires high capital and consumes a lot of time and energy. For most people, it is not a suitable investment channel and can be realized.
Poor strength.
In the case of serious inflation, gold is a good means of preserving value, and its global convertibility also ensures its preservation. Compared with gold bars and coins,
"
paper gold
"
The discount rate is lower and the return on investment is more visible, but once the price of gold falls, it will definitely be a loss. Real gold investment, mainly gold bars and coins, is
No, no matter whether the price of gold falls or rises, the number of repurchases will not be many. According to calculations, in Babylonian times, an ounce of gold could
The bread purchased is basically the same as today, that is to say, after two or three thousand years, gold has maintained its purchasing power level relative to bread.
When serious hyperinflation occurs, the economy and consumption of the whole country will be greatly damaged (this has never happened in New China), and most of them will.
Investment varieties will be seriously devalued, and domestic investment varieties (such as stocks, funds, bonds, futures, real estate, etc. ) will lose their hedging function, which is the best.
I chose stamps, artworks and other collections for long-term investment.