The poor devalue when they hold money, and the rich increase when they buy assets.

Take 22 as an example. After the global water release, commodities and equity products have soared. The rich not only have more channels to invest, but also can get more money from the water release for reinvestment at a lower cost. Stock market

In 22, the overall stock market strengthened, with Shenzhen Stock Exchange rising by 38% for the whole year and Growth Enterprise Market rising by nearly 65%. In 22, the asset management scale of Public Offering of Fund will increase by 34.7% year-on-year, breaking through the 2 trillion mark, and the profit will be close to 2 trillion yuan, all of which have set a new record.

among a-shares, the best increase is basically oriented to good core assets. The impact of the epidemic on the economy is real, which leads to the overall fragility of the economic fundamentals. However, the money in the market is increasing instead of decreasing. For the defensive investment strategy, the best way is to invest the money in core assets, thus the phenomenon of "funds embracing each other" appears, which is actually the inevitable result of voting with their feet, not the institutional have no martial ethics.

In 22, Kweichow Moutai (6519) increased by 71.36% for the whole year; BYD (2594) increased by 38.1% and Contemporary Amperex Technology Co., Limited (375) increased by 23.7%. Haitian Weiye (63288) increased by 126.1% in the whole year, and Arowana (3999) increased by 121.2% in less than two months. Mindray Medical (376) increased by 136.1% for the whole year and so on. It can be seen that the leaders of various industries, driven by funds, will all rise sharply in 22.

not only a shares, but also hong kong and us stocks have the same logic. Tencent, Meituan, Nongfu Spring, Amazon, Apple and Tesla all increased by more than 5%. Property market

At the beginning of 22, many people thought that house prices would fall due to the epidemic. From the results, house prices in some cities have indeed begun to fall, and some areas have even fallen by more than 3%. However, the four major first-tier cities have increased to varying degrees.

Statistics show that compared with December 219, the price of second-hand housing in first-tier cities rose by 8.6% in December 22, which was 6.4 and 7.2 percentage points higher than that in second-tier and third-tier cities respectively.

In 22, among the four first-tier cities, except for Shenzhen, the house price rose by 14.1%, Guangzhou rose by 7.5%, and Beijing and Shanghai both rose by 6.3%.

housing prices in first-tier cities are soaring, which is also due to the consideration of buying high-quality assets. Housing prices in Shenzhen have skyrocketed, and there have even been incidents such as crowdfunding to buy a house and thousands of people speculating, which has attracted the criticism of the central media.

Commodities

In addition to the stock market and the property market, the prices of commodities such as gold have also increased in different degrees. In 22, the price of gold rose by 25.15%, even exceeding $2,/ounce, reaching a maximum of $2,72/ounce. Corn, soybeans, iron ore, etc. are also skyrocketing.

To sum up, when releasing water globally, purchasing core assets is the best way to maintain and increase value. Cash is king in the economic crisis, and it is also to start with core assets at a lower price at an appropriate time. Simply holding cash will only go further and further on the road of depreciation.

With the global water release and the excessive currency, the best way to preserve the value of our grass-roots assets is to hold RMB. The specific reasons are:

1. China's industrial system is sound and huge, and it has the ability to ensure the stability of the RMB value.

2. China will not devalue the RMB or make our products and assets cheaper than the US dollar. Our country will not let the United States lead the excess dollars to our country. China does not allow the United States to be in bonus hunter! The RMB will definitely appreciate a little against the US dollar.

3. In view of the global currency oversupply and global economic depression, China's securities market will be favored by many people. However, where there are many people, there is generally no money. Therefore, China's stock market is also risky, and it is not suitable for our grass-roots investment at present.

4. As we all know, gold, silver and silver bonds are suitable for hedging. Therefore, at the beginning of the global currency overshoot, gold, silver and bonds have already soared. I'm afraid I'll run out of luck if I kill him again now.

to sum up, the best way to preserve the value of our ordinary people's assets at present is to hold RMB. When the situation in the United States is stable, the United States suspends water release, and the American economy begins to stabilize and rebound, we will reinvest in China's stock market, mainly buying some banking stocks and logistics stocks. The reasons are:

1. After the United States stops releasing water, countries around the world will also stop releasing water, and the room for RMB to rise will be compressed.

2. China's economic growth will accelerate, and the US economy will stabilize and rebound, so the global economy will recover. China's foreign trade volume will rise, and the revenue of logistics and transportation industry will also rise. The performance of listed big banks and listed large logistics companies, after being improved, will inevitably be reflected in the stock price!

Under the background of inflation, the wealth that people have worked hard all their lives has been ruthlessly diluted by the printing press. Many people ask to buy gold, can gold achieve asset preservation? The use of gold is very few, and its value is based on the belief of * * *. If this belief collapses, gold will be worthless. Buying a house is also one of the few. People think it is a safe means to preserve assets. However, with the decrease of the fertility rate, the future trend of house prices is hard to predict, but there is always a house to live in anyway. Buying stocks, buying futures and buying antiques to preserve assets requires more professional knowledge, and ordinary people don't seem to understand it. Germany's smart investment Gu Jinmeng judges investors' risk tolerance through intelligent systems, selects customized asset allocation methods for customers, realizes global diversified investment, effectively reduces risks, and finally realizes asset preservation and appreciation.

There are many anti-inflation assets, such as gold, crude oil, non-ferrous stocks, coal stocks, essential consumer goods stocks (pork stocks and liquor stocks), agricultural means of production stocks (such as fertilizer stocks), building materials stocks, shipping stocks and means of subsistence stocks (gas stocks and commercial retail stocks). . . Very many.

But there are different types of inflation (there are many reasons for inflation), so each type of inflation is caused by different reasons, so it is hard to say what assets or stocks to buy when inflation comes.

instead, we should make a detailed analysis of what causes the current inflation, and then we can invest in related assets.

For example, the crude oil mentioned above is a good tool to resist inflation in a prosperous inflation environment, but it is actually bearish if it encounters recession inflation. But on the contrary, gold may be a sharp weapon to preserve value in recession and depression. So you can't answer a general question with a single answer.

real estate is the most valuable;

followed by gold.

Description:

Reasons for maintaining the value of real estate: The main reason is that the national policy pushes the people all over the country to commercial housing, so the demand is far greater than the supply, which is a structural factor.

For another example, in the Republic of China, two ounces of gold could buy a quadrangle in Beijing. Now, two ounces of gold is about 3, yuan, and almost only one toilet can be bought in Beijing and Shanghai. This can explain how high the value of the property is.

gold: gold in the earth's crust is mined year by year, and the demand exceeds the supply. Moreover, the price is set by the market, and it can't be ridiculously cheap, so it is also a hedge, but it is not as good as real estate.

anything whose demand exceeds supply can preserve its value. Of course, the premise is that this relationship between supply and demand is continuous.

if you have less money, you should buy government bonds, that is to say, lend money to the country, and the country will pay you back at a high interest rate.

thank you!

one: deposit in the bank

This is a traditional practice, and it is also a practice that one does not manage money;

as we all know, under normal circumstances, the interest rate will definitely not keep up with the price increase, and some people have made a comparison; According to the annual price increase of 5%, the actual purchase value will shrink by 5%+ after 3 years;

Comments: Not recommended, very not recommended, but if there is little money, one advantage of putting it in the bank is that it is convenient to take it;

Second, buying a house

In fact, from the pain of house slaves, we can see that in China, most people buy houses for their own living, not as a means of investment, while some so-called investments are speculative, and the prices in the whole China market have risen, which has to be attributed to these people;

Therefore, not to mention how many people have enough money to invest in real estate, even professional real estate speculators should start rationally. In recent years, the rising rate of property prices has far exceeded the normal value growth rate of real estate, and even reached a more dangerous level.

Comments: However, if you have money, you can buy a house. In the short term, the house in China is quite appreciated.

Third, buying gold

Gold can resist the impact of inflation, but it may not necessarily increase the value of investors' assets. Nowadays, the international gold price is in a pattern of high fluctuation. If you buy gold at a higher price at this time, the dollar will continue to strengthen and the gold price will be suppressed in the future, which may not necessarily preserve the value of assets.

Comments: Some time ago, I saw that many professionals recommended silver, but individuals also suggested it as a long-term wealth management product;

4: bonds

Bond investment is less risky than stocks, with high reputation and stable income.

anyone with some basic financial knowledge knows that under the background of deflation, the yield of national debt is significantly positive, which can effectively resist deflation. On the contrary, under the inflation cycle, the stock return rate as a whole is significantly positive, which greatly exceeds the inflation rate and can effectively resist inflation. That is to say, it is a wrong choice to buy bonds because of inflation at present; It is difficult to effectively resist inflation.

comments: buying bonds is not recommended;

v: stocks

when talking about bonds, it is said that under the economic cycle of inflation, the return of stocks is enlarged, so can ordinary investors buy stocks?

But what everyone sees is the scenery when others make money. Ordinary investors lack professional technology and experience and well-informed news channels, so it is difficult to make a correct judgment on the general trend and obtain stable returns in the stock market. If you can't accurately grasp the timing of buying and selling, you will end up crying yourself;

In addition, stock trading requires a lot of time and energy, and it is a little difficult for ordinary white-collar workers.

comments: in a word, professionals and senior investors can suggest buying stocks;

VI. Funds

In fact, a fund company collects money from ordinary people, finds professional people to buy stocks or other wealth management products, and finally gains income;

Because it is mainly controlled by professionals, it is possible to carefully select investment varieties, adjust the investment portfolio at any time, and obtain better investment returns, so the fund's ability to collect, process and analyze information is beyond the reach of non-individual investors. Compared with the capital scale of ordinary individual investors, the total capital of fund products is very large, so it can be diversified to minimize risks and maximize returns through investment portfolio.