100 yuan. /kloc-How much will it be worth in 0/0 years?
Let's first understand the currency depreciation in 10 years. 1. How much has the house risen in the past ten years?
According to statistics, in 2020, the average selling price of commercial housing in China will be 9860 yuan, nearly double the 2065438+5032 yuan in 2000. House prices in first-tier cities such as Beijing, Shanghai and Shenzhen have more than doubled.
The average price of second-hand houses in Shanghai at the beginning of 20 1 1 is about 23,000, and that of second-hand houses at the beginning of 202 1 000 is about 6 1000, with an increase of about 165.6%.
At the beginning of 20 1 1 in Shenzhen, the average price of second-hand houses was around 18000, while at the beginning of 202 1 in Shenzhen, the average price of second-hand houses was around 86000, with an astonishing increase of 377.8%.
At the beginning of Changsha 20 1 1, the average price of second-hand houses was around 6 100, and at the beginning of Changsha 202 11200, with a slight increase of 83.6%.
The average price of second-hand houses in Chengdu at the beginning of 201/kloc-0 was around 8,300, and at the beginning of 202 1 7,900, with a moderate increase of about 1 15.7%.
As can be seen from the house price, most cities have increased by about 1.2 times in the past ten years. If the house price is taken as a reference, 100 yuan a year ago is equivalent to 220 yuan now.
2. How much has the average wage increased in most cities in recent ten years?
In 20 10, the average wage of ordinary workers in Guangzhou, Guangdong Province was around 3000, and in 2020, the average wage of ordinary workers in Guangzhou was around 5380, with an increase of about 80%.
In the past ten years, the wages of urban workers in Jiangsu Province have increased substantially. In 20 10, the average annual salary of urban employees in non-private units in Jiangsu province was about 38,000 yuan, over 50,000 yuan in 20 12, and close to 85,000 yuan in 20 18. In 2020, the increase was still unabated, reaching 98,000 yuan, which was 20,655.
In 20 10, the average annual salary of employees in Chengdu is about 30,500, and in 2020, the average annual salary of employees in Chengdu is about 65,000, with an increase of about 1 13%.
Based on all kinds of data, I found that most people's wages have increased by about 90% in the past ten years. If the salary is taken as a reference, then 100 yuan before10 is equivalent to 190 yuan now.
3. How much has pork and eggs increased in the past ten years?
The average price of lean pork in 20 10 year 15 yuan is about a kilo, and in 2020, the average price of lean pork is about 30 yuan 100% (it is much cheaper now). If pork is taken as a reference, 100 yuan before10 is equivalent to 200 yuan now.
The average price of 20 10 eggs is about one catty in 2.2 yuan, and it will be about 82% in 4.0 yuan in 2020. Taking eggs as a reference, 100 yuan before 100 is equivalent to 182 yuan now.
4. How much has GDP increased in the past ten years?
In 20 10, the total GDP of China will be about 40150 billion yuan, and that of China will be10/598.6 billion yuan in 2020. It is about 2.53 times that of a decade ago, with an increase of about 153%. If the housing GDP is taken as a reference, 10 years ago 10 yuan is equivalent to 253 yuan now.
5. How much has CPI increased in this decade?
CPI is a very important indicator to reflect the price increase, and also an important indicator to measure the level of inflation. 20 10CPI rose by 3.18%; 20 1 1CPI rose by 5.55%; 20 12CPI rose by 2.62%; 20 13CPI rose by 2.62%; 20 14CPI increase1.92%; 20 15CPI increase1.44%; 20 16CPI rose by 2.0%; 20 17CPI increase1.59%; 20 18CPI rose by 2.07%; 20 19CPI rose by 2.9%. In the past ten years, CPI has increased by about 29%. If the CPI is taken as a reference, 100 years ago 10 yuan is equivalent to 129 yuan now.
Second, predict the value of 100 10 yuan. 1. According to various price increases and investment returns in the previous 10 years, the price increases in the last decade are mostly around 100%, so 100% is taken as the calculation data.
2. Because the economic growth in the next 10 year is different from that in the past ten years, the amount of currency depreciation is also different. 20 1 1 By 2020, the GDP growth rate of China will be between 6%- 1 1%. The average annual growth rate is about 7.6%. Generally speaking, the greater the GDP growth rate, the greater the inflation and the higher the CPI. The next 10 year will be in high-quality growth, and the GDP growth rate is expected to be around 5.5% on average.
3. It is predicted that the average GDP growth rate of 10 in the future is only 72% of the average GDP growth rate of the past decade, so the price increase is only 72% of 100%, that is, 72%. So now 100 yuan 10 years later the value is 172 yuan.
Third, how to invest in financial management so that money does not depreciate? 1, 100 yuan 10 yuan 172 yuan, the money will not depreciate in 2000, 10 will increase by 72%, and the average annual income will be above 5.58%.
2, the traditional risk-free or low-risk investment income.
(1), deposit in the bank, if it is fixed, the annual interest rate for three years is about 3.75%, which can't run away from inflation. If you make a large deposit certificate, the interest can be as high as 4.2%, which can't run away from inflation.
(2) Buying government bonds can be divided into three types: 1. Book-entry treasury bonds; 2. Voucher bonds; 3. Electronic national debt. I usually buy book-entry treasury bonds. Book-entry treasury bonds can be traded in the market. Although the yield of national debt remains unchanged, the value of national debt is changing. The average annual yield of three-year and five-year treasury bonds is between 3.5% and 4.3%, which also cannot outperform inflation.
3. Buying a money fund is an open-end fund that collects idle funds from the society, is operated by the fund manager, and is kept by the fund custodian. Most of the wealth management products of many large Internet companies are connected with money funds. Of course, banks and securities accounts can also buy money funds. At present, the annual income of the Monetary Fund is generally between 3% and 4.5%, which can't beat inflation.
(4) Buying pension fund refers to an innovative public offering fund that aims at pursuing long-term stable appreciation of pension assets, encourages investors to hold them for a long time, adopts mature asset allocation strategies, and reasonably controls the risk of portfolio fluctuation. The annual income of general pension funds is between 3% and 4%, which can't run away from inflation.
3. How to overcome inflation and keep capital from depreciating?
(1), there are good projects to do business, although most of the business is not good, but with money and contacts, you can dig out some profitable projects. Generally, business returns after three to five years, followed by net profit, with an average annual income of more than 20%.
2. Buy a house, but now you can't just buy a house in any city as before, so you can make money. It is necessary to study which cities have normal housing prices, which cities will continue to increase their population in the future, and which cities have increased the inflow of ordinary people and the housing prices are normal. House prices will continue to rise.
3. Buy gold. If you are waiting for gold to adjust to a reasonable price, you can beat inflation by doing long-term work. If you have some skills in finance, finance and technical analysis, you can make a difference, and basically it is easy to beat inflation. Of course, don't do short-term speculation, it is ok to do band.
Buying large-cap blue-chip stocks also requires financial knowledge and technical analysis ability. We should adjust the big blue-chip stocks to a reasonable valuation and buy a few more. Generally, the cycle of blue-chip stocks is three to five years. It is the cycle of rising, sideways, callback and rest. When he takes a break after the callback, he buys a few. If a cycle is completed within five years, several stocks can earn more than 50%, with a five-year income of 50% and an average annual compound interest income of 8.5%, which has outperformed inflation.
Buy blue-chip stocks with low valuation, such as those with a price-to-book ratio below 0.6 and a price-earnings ratio below 10. For example, a few undervalued bank stocks, with an average annual dividend of 5%-8%, can outperform inflation, but the risk is a bit big.