Question 2: Inflation, what should ordinary people do? Inflation generally refers to the phenomenon that the circulation of paper money exceeds the actual amount of money needed in commodity circulation, which leads to the devaluation of paper money and the rise of prices. Its essence is that the total social demand is greater than the total social supply. Inflation is a very serious matter, and ordinary people should pay attention to it. When prices rise and inflation comes, the state will take macro-control measures to reduce its impact, and we ordinary people can't just sit still. What should you do if you have money? Do you put your money in your hand, in the bank, or try to find a way out for your money?
Who is paying for inflation? A person who lends money to others, that is, a person who deposits money in a bank. This is the most incomprehensible thing for ordinary people. They will say, I didn't lend money to others? You didn't borrow it, but the bank lent it to you. People who borrow money spend and invest, and as a result, the price level is raised. When you withdraw your bank deposit at maturity, the interest you earn is not enough to offset the price increase, and the money you lose is what you pay. Although the number of individuals is small, but the country's 6543.8+0 billion people? Let's buy this bill together. In the period of high inflation, those who owe money are the beneficiaries and those who borrow money are the victims. I often see some middle-aged and elderly people putting their life savings in the bank. When inflation comes, they are still complacent about the little interest given by the bank, thinking that inflation has nothing to do with them. Most people think that a bank is a safe, and it is safest to put money in the bank. Is that really the case?
So, what should ordinary people do in the face of inflation? Be reported by the news media? Let's do as I say, because I am also an ordinary person, and I will always stand on the side of the people. The answer is to find financial instruments that really preserve value. What are they? I won't say it, because my friends don't believe it. At present, about 99% people think that bricks are more precious financial tools than gold. When most people wake up, it's too late! In the financial industry, the truth will always be in the hands of a few people, and it will always be that a few people make money and a few people become rich! If friends want to succeed, break through the shackles of traditional ideas quickly!
Question 3: How do we deal with inflation? Individuals can cope with inflation in the following ways: 1. Appropriate choice of diversified financial investment. In addition to the above stocks, bonds, real estate, precious metals and commodity futures, although the market is not perfect, we can invest on the basis of controlling risks, and we can also choose scarce products for investment preservation, such as calligraphy and painting, antiques, treasures, ancient jade, agarwood and stamps.
2. When investing in stocks, you can study some scarce sectors, such as new energy, low carbon, environmental protection and other industries, understand and analyze, decisively open positions, overcome greed, pay attention to familiar stocks, avoid scattered stock portfolio operations, keep abreast of information changes, and reduce investment risks;
3. Make private investment in suitable projects, participate in enterprises on the basis of full understanding of the projects, or borrow money (debt investment) through income planning to obtain returns;
4. For some familiar enterprises with good credit, do private loans. The deadline should not be too long. Generally, the interest will be calculated monthly within one year, and the other party can also be required to provide a certain range of guarantees;
5. You can also get involved in real estate moderately. Housing prices in first-tier cities are already very high, so we can pay attention to second-and third-tier cities for investment. The risk of falling house prices is small, the population is growing, the rigid demand for real estate exists, and the appreciation potential of real estate is still great.
Question 4: What should we do when there is inflation? With the CPI reaching a new high in 1 month, the era of inflation has undoubtedly arrived. What does this mean for ordinary people? How to minimize the impact of inflation? There is no need to explain the definition of inflation. Generally speaking, money is worthless, which means that our wealth has been deprived for no reason. For example, pork used to be 10 yuan, but now it has risen to 15 yuan. The difference of five dollars is the wealth that has been deprived for no reason. The following question comes, how can we minimize the loss of this deprived wealth? This is really a matter of people's livelihood. The reason why it has nothing to do with the "national economy" is very simple. Those big policies are beyond our ordinary people's control, so don't waste time here. Let me talk about the solution of "people's livelihood" first. There are two main ways: first, consumption in advance, and second, loan consumption. First of all, it is certain that in an inflationary environment, the later the same amount of money goes, the smaller the purchasing power of consumption is, the less valuable it is. What should I do, invest in the stock market? Of course, if you earn1800,000, you can not only preserve your value, but also become a rich man. However, ordinary people can't do it without luck and technology; Either deposit it in the bank, but the interest rate is not as high as the inflation rate, which wastes money. Neither of these options seems to be a very good idea. Let's take a look at the consumption I just said. First, spend in advance. Is it really good to take out the money left for tomorrow and spend it first? Of course, this is a bit unacceptable to the Chinese nation, which has the virtue of diligence and thrift for thousands of years, but it is true. What I want to say is where this part of the money should be spent. I think at least two aspects are possible: one is to buy gold. Undoubtedly, for thousands of years, the value-preserving function of gold has been sought after by people, especially as a rare metal, which is absolutely storable, non-renewable and limited in resources. In other words, its demand will continue to rise, but its supply will hardly increase greatly (a large gold mine has not been discovered for many years). According to the simple relationship between supply and demand, there is no loss in buying gold. Of course, I mean physical gold here, not paper gold. Don't get me wrong. Another aspect is to spend those big projects that you must want to achieve, but you can achieve them sooner or later, such as taking a driver's license test, taking a second degree and dreaming. In short, if you don't spend today, it will be more expensive in the future. Some people will say that inflation is so fierce that wages will not rise? Of course, but generally speaking, wage growth is rigid, that is, it will lag behind inflation. At that time, wouldn't it be better if you got more money in advance and spent less? Anyway, all the money I got was my own. What I want to emphasize here is how to make full use of the dual factors of RMB appreciation and inflation to go abroad. There are two directions here: traveling and studying abroad. Let's talk about tourism first. Traveling abroad is not a good choice now. It's better to wait for more money, and the inflation RMB is more valuable, and then go to other countries to experience local conditions and customs. However, studying abroad is a good choice. If you spend today's money, you can enhance your value by the spring breeze of RMB appreciation. After the inflation cycle, you will be happy to come back and get a raise. After talking about spending in advance for a long time, let's talk about loan consumption. In fact, the principle is similar, and the key to the problem is which is higher, the loan interest rate or the inflation rate. If the loan interest rate is higher than the inflation rate, I advise you to wait and see, and don't donate money to the bank in vain. However, if the inflation rate is high, you can borrow money to spend, but what is the loan for? This is also a question worth thinking about. In China, the two most common directions of loan consumption are buying a car and buying a house. Buying a car is definitely not recommended. Regardless of environmental protection, consumption will definitely depreciate, regardless of inflation or not, unless you are rich; How about buying a house? Many people think that buying a house is similar to buying gold, which can preserve and increase the value. I don't think so. I have this idea now, because the real estate in China has been on the rise since the reform and opening up, and the appreciation of the house is predictable, so it will preserve and increase its value. But in essence, houses, like cars, are fixed assets, which are depreciated in financial terms, that is, they will become more and more worthless because of wear and tear. If the recently hyped "inflection point of the property market" really appears, the house in your hand will definitely depreciate. Even if there is no inflection point, it is certainly difficult to predict how much room there is for housing prices to rise at this time. So buy a house with a loan, unless you really ... >>
Question 5: How should we deal with inflation? You can consider investing in fixed assets with strong value preservation. Recently, the state has restricted investment housing, but there are still no measures to restrict the purchase of commercial facade houses. We can consider this.
Question 6: How to deal with inflation? As entrepreneurs, they have two choices. First, with the appreciation of RMB, the international purchasing power will be strong. Now you can buy things abroad with these RMB, and you will find that you can buy more things than before. When you go abroad, you will find that the RMB in your hand is very valuable and a strong currency. At this time, it is appropriate for you to do import trade, and it is also appropriate to invest abroad, because the appreciation of the RMB can make you exchange more foreign exchange. You can also go abroad to acquire some enterprises.
Second, during the period of inflation and China's economic explosion, it is definitely inappropriate to take cash. If you have surplus funds, you should choose to hold suitable RMB assets. This is also the reason why China's stock market and property market have skyrocketed in the past two years. When people predict that inflation is coming, they must buy houses, food and stocks. Of course, it is not only houses and stocks that represent RMB assets (indirectly holding RMB assets), but also raw materials, land, forestry and mining resources. There are also opportunities for industrial integration, such as finding a good company and holding shares. In chapter 19, we will discuss this point in the economic cycle, which is not just a price issue.
Inflation is a very serious matter, and ordinary people should understand these things.
One thing here is that holding RMB is not as good as holding RMB assets. Because the assets of RMB are scarce: the land is non-renewable, no more houses can be built, no more minerals, limited oil reserves and limited natural gas. For ordinary people, we ask: what should we do if prices rise? What can be used to offset inflation? If the interest rate of national debt is high, then you can certainly choose to buy national debt, which can offset inflation. Economics is a science of choice. What do you choose to avoid the risk of inflation Can you at least keep your assets and wealth?
Here's a question: Who is paying for inflation? It is the person who lends money to others, that is, the depositor is paying for the lender. This is the most puzzling thing for ordinary people. They will say, I didn't lend money to others? You didn't borrow it, but the bank lent it to you. Borrowers spend and invest, pushing up prices. When you withdraw your deposit, the interest you earn is not enough to offset the price increase, and the "point" you lose is the bill you pay. Although not many, but 654.38+03 billion people? Let's bury this list together. It's hard to understand, but economics is simple. Keynes, a British economist, said in the General Theory of Employment, Interest and Money: In the period of high inflation, the debtor is the beneficiary. In other words, those who owe money are suitable, and those who borrow money suffer. This truth is as small as you understand and as big as the bank understands. So banks all over the world are afraid of inflation, because the money lent during the period of high inflation is not as valuable as when it is returned.
Of course, for consumers and ordinary people, no one wants inflation or high prices, but it doesn't depend on your will, because resources and land are limited, we need to eat, we need to drink and we need to consume. We don't want the price to go up, but it is an inevitable trend. This depends on whether * * * can curb the rapidly rising prices in China through macro-control measures, so that people's wealth will not be offset by inflation.
If you have a deposit of 30,000 to 50,000 yuan now, you can consider taking out some of it, doing some financial management moderately, and buying some government bonds or funds, especially hedge funds and funds with good growth.
If you have a little more money on hand, you should read the words about * * * carefully, and don't say anything that has nothing to do with you. You know, if * * * "open flow" is unsuccessful, how much money will be stuck here and can only stare at the stock market and real estate? So if you think that house prices have gone up, you actually don't know how dangerous house prices are. If there is no good financing plan, the opportunity for China's economy to break out is clearly here, but the stock market has fallen like that. Do you know how much money there is to see the property market? Do you know how terrible the consequences will be? How terrible would it be if huge funds acted in concert or formed a trend again? All funds will be shaken, and your money will eventually stay in the bank, and sooner or later it will come out to "chase up and kill down", that is to say, if people go up, you will chase up and buy high; If someone runs away and falls, you can sell it at a low price. The wealth of hard work and overtime will eventually disappear and be eroded by inflation in the bank. What should you do? So is the stock market! Come down soon. Do you know that up is down? Do you know that there is room and opportunity for the next rise only if you fall first? Do you know that you have a lot of money?
Question 7: How do we feel the performance of inflation?
The price level continues to rise, and the money in hand can buy less and less things.
In many cases, the word inflation means increasing the money supply, which sometimes leads to higher prices. Some (Austrian school) scholars still use the word inflation to describe this situation, rather than the price increase itself.
Question 8: How should individuals deal with inflation? In the early stage of inflation, borrow money to invest; In the middle of inflation, borrowing money for consumption; The end of inflation; Save money for consumption.
In the early stage of deflation, saving money is spent; In the middle of deflation, spend money desperately; At the end of deflation, borrow money to invest.
Question 9: Is China in a period of inflation? What should we always do? Only the level depends on what kind of inflation we are facing.
As far as domestic situation is concerned, cpi is definitely not 1. Last year, 8%, the highest was over 6 o'clock.
Bank interest rate is too low, wealth management products have low returns and high risks.
Bad financial market, various assets, art bubble
Physical gold has the ability to preserve value, but it is very optimistic about the dollar in a cycle.
In the short term, grain can resist inflation and be properly hoarded.
Allocate high-quality and high-end assets with more money.