Try to preserve the value of your assets. Suggest buying a house. Because the price rises quickly. It is more valuable than gold. You can compare five taels of gold to buy quadrangles before liberation. Now five catties of gold can only buy a toilet in a quadrangle. Inflation, you can't change him. I can only change my financial management mode. From the investment point of view, the current inflation rate is much higher than the bank savings rate, so I should seek higher investment methods to play new shares, warrants, futures and invest in physical assets. These still depend on my specific situation. From the perspective of life, rising prices have increased my daily expenses. Therefore, I should pay attention to open source and reduce expenditure in my daily life, and reduce extra expenditure and capital consumption on the premise of ensuring fixed expenditure. Think about whether you need or want when you consume. Only consume what you need. Reduce unnecessary consumption. The rest of the money is invested. How to invest depends on personal needs. Do you prefer high risk and high return, or low risk and low return? Ordinary people may pay attention to the price of vegetables every day, and the price of daily necessities is lower. Now the prices of these commodities have not risen, but the prices of raw materials have continued to fall. What they are afraid of at present is not commodity prices, but income! This is like a domino, which is bound to be affected by various factors in the industrial chain. It is unlikely that there will be any substantial wage increase this year and next. . . . . The unemployment rate will rise and the workload will increase. That's for sure. In the past, one person did one job, but now you have to do two jobs if you fire one. I think the most terrible thing is social instability. After these negative effects come out, the incidents of vagrancy and theft in society will definitely rise. In fact, in the face of the global financial crisis triggered by the subprime mortgage crisis in Europe and America, our risk in China is really low, but we hold too many foreign bonds, which will affect our import and export trade, including the rise of the yen and the fall of the US dollar, which will bring great pressure to our country's foreign exchange reserves. There's nothing I can do. Our current thinking is that during this period, we should not engage in big projects, but focus on stability. Although the deposit interest rate is declining, some products are still higher than the bank interest rate. The era of profiteering is over, so we should take small steps and put the risk awareness in the first place. In fact, inflation has always existed in any country, otherwise, the overall economy of the country will decline and there will be economic depression. Because of reference to the United States and other countries, the country is constantly adjusting the overall economic operation, especially the increase of the deposit reserve ratio and the change of the deposit interest rate, in order to cope with the countries with overheated fixed investment to regulate the market by economic means. At present, this kind of inflation has little impact on the lives of ordinary people. If you have enough economic strength, you can invest in some safe-haven products, but it is not necessarily limited to grain or gold. Inflation in the last 92 years has also had a certain impact on China's economy, but it has not had much impact on the lives of ordinary people. Therefore, personally, there is no need to panic now. Although inflation does have a certain impact on prices now, with the constant adjustment of macro measures, I believe this inflation will be controlled within an acceptable range. At the recent the State Council executive meeting, it was proposed for the first time that the trend of economic recovery has been consolidated, and the relationship between maintaining growth, restructuring and managing inflation expectations will be listed as the key regulatory content in the coming months. Various data and reality show that there is no inflation in China at present. Why should we put forward the idea of managing inflation expectations and put it in the same important position as maintaining growth and restructuring? The author believes that there are at least two reasons: First, there are already inflation expectations. 10 year 10 On October 22nd, the National Bureau of Statistics announced the performance of the national economy in the first three quarters. Among them, the year-on-year decline of consumer price (CPI) and factory price of industrial products (PPI) in September continued to narrow, rising by 0.4% and 0.6% respectively. In the first three quarters, the consumer price decreased by 1. 1% year-on-year, which was the same as that in July, and rose by 0.5% and 0.4% in August and September respectively. Although there is no inflation problem from the data and reality, both CPI and PPI are month-on-month growth, and there is inflation expectation. Second, inflation has a great impact on economic development and must be closely watched. This is why all countries in the world basically regard price stability as one of the goals of monetary policy. Isn't it what the country should do to manage inflation expectations? In fact, in addition to the huge impact on economic development, the impact of inflation on people's daily life and investment and financial management can not be underestimated. Therefore, ordinary people should also put "managing inflation expectations" in an important position. Many people call inflation a "thief" who erodes the wealth of ordinary people, because under the influence of inflation, on the one hand, people's money will become less and less valuable, their purchasing power will decline, and fewer and fewer goods can be bought with the same money. In the words of ordinary people, it is "money is getting hairy"; On the other hand, people's money in the bank is also depreciating, and its interest rate may be difficult to resist the influence of inflation rate, because the interest earned by money in the bank can't keep up with the rate of currency depreciation, which is what people often say is the phenomenon of "negative interest rate", that is, the inflation rate is higher than the bank deposit rate. For example, the current one-year bank deposit rate is 2.25%. If you deposit 100 yuan a year, you can get the principal and interest of 102.25. However, if the inflation rate reaches 3%, then one year later, 100 yuan will only be worth 97 yuan, plus interest of 2.25 yuan, making a total of 99.25 yuan. Of course, in the short term, the impact of inflation may not be great, but if the inflation rate is high and lasts for a long time, it will have a great impact on the wealth of ordinary people. Assuming that the inflation rate is 5%, the current 100 yuan, 10 years later will only be worth 59 yuan, but not 36 yuan in 20 years. Since inflation has such a great impact on us, and the current inflation expectation is getting stronger and stronger, the state has also proposed to manage inflation expectation as the key control content, so as ordinary people, shouldn't we also make some preparations to prevent inflation in advance? In fact, in a sense, negative interest rates are not terrible. The terrible thing is that we are indifferent to negative interest rates and the coming inflation. As long as we plan ahead and put the inflation expectation of managing families on the important agenda as soon as possible, we can better cope with the impact of inflation on our lives and wealth. "You don't have to fly, but you must run CPI." I believe many people are familiar with it. What should be done to manage inflation expectations? How can I run past CPI? There may be many ways to run through CPI, but at least the following two points must be achieved: First, we must invest and do a good job in financial planning, and we cannot put all our money in the bank. In real life, we find that many people have special preferences for deposits and national debt. Family financial assets are basically risk-free or low-risk products such as deposits and government bonds, but there are no products such as funds, stocks, insurance (investment type) and local and foreign currency wealth management. Of course, these people don't know or want to know about wealth management products such as funds. Others are unwilling to take risks because of their poor risk tolerance and bad attitude. Some of them have stable jobs and high incomes, and they are in their prime. We know that investment is risky, but in the era of inflation, there will be risks if you don't invest. Therefore, under the situation that inflation expectation is becoming more and more obvious, it is very important to make proper investment planning, establish family asset allocation portfolio and take the initiative to bear certain investment risks, so as to effectively resist the erosion of wealth by inflation. Second, hold assets that rise with inflation. In inflation, money and wealth depreciate, and correspondingly, the prices of goods and assets rise, so holding assets that rise with inflation is an effective measure to deal with inflation. Usually, the following assets are the best tools to fight inflation: first, equity assets, such as stocks and partial stock funds, especially stocks that obviously benefit from inflation and funds that mainly invest in these stocks; The second is commodity assets, such as real estate and gold. Of course, if you don't actually buy houses and gold because of financial strength, you can also indirectly invest in inflationary goods by buying real estate and gold resource stocks; The third is insurance assets, especially dividend insurance, universal insurance and investment-linked insurance. Of course, these assets have their own characteristics, and the characteristics of risks and returns are also different. Investors need to learn, invest under the premise of full understanding, or consult professionals. They must not invest blindly, lest they bring greater risks. Whether we admit it or not, inflation is no longer a long-standing practical problem. In this situation, taking action as soon as possible, carefully preparing for managing inflation expectations, actively responding to inflation, and effectively reducing the impact of inflation on our lives and wealth are conducive to increasing our property income and protecting our wealth to the greatest extent.