Recently, the epidemic situation has indeed improved. For example, the United States has ushered in the turning point of the epidemic because of vaccination, and domestic vaccination is also in full swing, and the global economic recovery is coming soon.

Nevertheless, we were caught off guard by the news that President Biden announced that he would continue to "print money". Through the 3 trillion recovery plan, the United States will continue to release water.

Of course, the United States was not the only country that released water in the past year.

In the context of global water release, the "negative interest rate era" is coming soon. The deposit interest rate in Denmark has just dropped from 1% to -.5%. It is said that the Bank of England is also preparing for negative interest rates.

What does "negative interest rate" mean? You go to the bank to make current savings, and you don't receive income, but you don't have any interest, and you have to post money back to the bank.

Although the current domestic situation is not large-scale inflation, the world is a whole. In the long run, it is impossible to have such a large spread at home and abroad, and everyone's economic environment will be the same after all.

many friends may be particularly interested to know that under such circumstances, it is not reliable to put money in the bank. What other methods are there to manage spare money?

To be honest, the investment difficulty in 221 is definitely greater than that in 22. The advantage of holding cash is that you can have bullets at any time.

when you need to make up positions, you can go up, and when you are low, you can also bargain-hunt. Any new investment product is worth investing, and you have money in your hand.

under this premise, one way to keep as much cash as possible is to try not to repay the loan in advance this year, especially the mortgage with a relatively large amount.

Because, in the long run, the devaluation of the currency is an irreversible trend, then the amount of your loan will actually follow the devaluation.

for example, you borrowed 1.2 million mortgage from the bank, which will be repaid in 3 years, with an average annual repayment of 4,, plus interest.

but as time goes on, the currency will depreciate, which can be understood as that you will owe less and less.

The main reason is that with inflation, your income will actually increase.

when your monthly salary is 1, yuan, paying 4, yuan every month will account for half of your income, but when your monthly salary is 2, yuan, paying 4, yuan every month will be 1/5 of your monthly salary, so the pressure will naturally be less.

Let's look back at the growth of per capita disposable income in China. In 21, the per capita disposable income was 19, yuan. Ten years later, this figure has increased to 42, yuan.

Another reason not to repay the loan in advance is that it will be more difficult to borrow in the future. Since the beginning of this year, many cities have reported that the mortgage interest rate has been raised.

For example, in Shanghai, Guangzhou, Zhuhai and other cities, the mortgage interest rates have risen to varying degrees.

The last LPR interest rate cut was in April last year, and it hasn't been lowered since.

Of course, it is also to prevent the overheating of the real estate market in essence, but it also means that it is easier to pay back money than to borrow money, so we still have to cherish the cash flow on hand.

if you have a certain cash flow at present and want to choose some better investment methods than putting your money in the bank, you are advised to consider the investment channel of "high compound interest".

The essence of compound interest is that doing one thing A strengthens one thing B, which in turn strengthens the front A, forming a positive circulation loop, just like snowballing, rolling the snowball bigger and bigger.

Although everyone's annualized rate of return is the same, if calculated according to compound interest and simple interest, the difference in the amount of income between the two investments is quite large under a certain length of time.

What investment channels in the market follow the "compound interest model"?

In the long run, index funds will continue to rise. Just like a snowball rolling up a long slope, it is especially suitable for idle and eager for low-risk funds.

Buffett's great success is that he bought stocks of good companies at low prices and enjoyed compound interest returns for a long time. The core logic is value investment.

Of course, when it comes to domestic good stocks, people's first reaction is Maotai, but in fact, we might as well open our eyes. There are many long-standing white horse stocks in both US and Hong Kong stocks, which are worth considering.

At present, the annualized income of domestic annuity insurance is guaranteed, and most of them are around 4%. Of course, there are many types of annuity insurance.

The dividend payment method and interest rate of each variety are different, so you need to carefully screen them according to your actual needs to prevent trampling.

generally speaking, funds and stocks are still the best choice for high-yield investment, which will certainly be difficult, but it is also the driving force to urge us to learn financial management knowledge well.

Any investor needs to do a good job in risk classification management of his own funds. How to dispose of idle money will directly affect your financial income. After all, only by keeping the rear area can the front be stable!