Inflation often leads to currency depreciation, rising prices, rising wages or increasing the wealth of ordinary people. If the corresponding growth rate cannot be maintained, the quality of life will inevitably decline. The inflation rate in China is about 20 18, so how to manage money to overcome inflation?

1, national debt

The interest rate of national debt is considerable, generally higher than the interest rate of bank deposits in the same period, and quite stable. There are many people involved in the investment of national debt, and they can buy and sell at any time. The securities business department has opened self-service entrustment, so the liquidity of national debt is relatively strong, and investors can sell it quickly when they need funds.

2. Monetary Fund

Monetary funds are characterized by flexible use, low risk and stable expected returns. Monetary funds mainly invest in short-term monetary instruments with high stability and expected returns, and the investment period is short. Although the money fund does not guarantee the safety of the principal, the risk is still relatively small, which is more suitable for conservative investors. However, the expected return of the money fund is generally difficult to catch up with inflation.

3. Bank investment

The advantage of bank wealth management products lies in the high safety factor, and the general investors have a high degree of trust in banks. The convenience of many bank outlets is also one of the reasons why many investors choose bank financing. After the new asset management regulations came out, bank wealth management products gradually transformed into net worth wealth management products, and many products no longer guaranteed capital, but the corresponding expected rate of return also improved, and product information became more open and transparent. However, the starting point of bank wealth management products is relatively high, generally above 50 thousand, which also keeps some investors out.

Any wealth management product is risky. The core of overcoming inflation through wealth management lies in the preservation and appreciation of wealth, not high expected returns. The above content about how to manage money to overcome inflation, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.