1. At present, the most direct investment of individual investors is: 1. Financial assets: bank wealth management, funds, stocks and commodity futures II. Real industries: real estate, industrial economy.
Savings can be regarded as cash flow, but it has no income, because savings are negative 95% of the time.
The most intuitive impact of inflation is that commodity prices rise and the purchasing power of money declines.
Second, under the condition of inflation, the first thing to do is to reduce the amount of money held as much as possible and buy more assets while ensuring living money. Of course, such assets can be financial assets or physical assets. Since inflation has usually caused prices to soar, you should hold "assets" that grow at the same speed as the "price" of goods. You can hold funds, stocks and even commodity futures. Commodity futures is a mode of commodity securitization under the demand of hedging, but as an individual investor, you don't need spot delivery, but this doesn't affect your investment in commodities to seek hedging, speculation and preservation.
In the case of inflation, it is a good choice for you to invest in basic metals or agricultural products, because the proliferation of monetary assets will make resource commodities relatively scarce, and more people will join the ranks of purchasing resources, leading to relative changes in the relationship between supply and demand, leading to higher price expectations in the future, thus promoting a new round of price increases. At present, there is no better solution in all countries. The simplest thing is to take back the large bills that have become "more and more gross", issue small bills at a certain exchange rate, and forcibly classify them. When I was a child, you might think that1-50 cents coins can buy good sugar and popsicles, but now there are not many places to use 50 cents. This is the rise of commodity base or commodity index caused by inflation. In a few years, the face value of 100 yuan may not be enough.
Third, inflation is not without benefits. It can reduce monetary debt. It may be more abstract. Let me give you an example. If you are in debt of 654.38+00,000, you can buy a flat house of 654.38+00,000 in full. But after three years, your house may have appreciated to 654.38+0.5 million. This is inflation. On the contrary, if you have 6,543,800 yuan in cash, you can only buy 70 yuan after three years. This is the decline in purchasing power. At this time, you have paid off the debt of 6.5438+0 million, and actually earned about 30 flat income through inflation. But banks are not fools. When interest rates change during inflation, they will increase your financing cost.
Back to the perspective of financial management:
There are two core concepts in financial management of inflation: 1. Invest in assets or beneficiary commodities that are parallel to the inflation index. 2. Actively expand liabilities.
Investment strategy in the later period of inflation: inflation is moderate and sustained in principle, but due to the unsynchronized macro policies, the economic cycle will alternate between bulls and bears. In the later period of the bull market, inflation will not only not benefit commodities, but will lead to a sharp drop in prices. At this time, inflation will tighten and deflation will occur. This period is the process of the return of the prices of various commodity assets, and it is necessary to turn to holding money, that is, to sell all assets and reduce liabilities.
Inflation will inevitably lead to people sacrificing their monetary assets, financial assets and fixed assets, and they can't escape it. If you want to escape, you have to run faster than inflation. A conservative investment strategy must bear the loss of inflation.