1, insurance against inflation risk: an insurance company invested in a highway! When the commission profit is 10 yuan, the insurance company will divide the 7 yuan. When inflation comes, the commission profit is 1000 yuan, and the insurance company divides the 70 yuan. This is the fight against inflation! Insurance includes universal insurance and children's education insurance. If the type of insurance, especially consumer insurance, certainly does not provide anti-inflation function. Just help you financially when you are in danger. Only insurance with the nature of saving, such as dividend insurance, can resist inflation. But you need to hold an insurance policy for a long time. But inflation in the true sense is irresistible, and insurance is only an economic compensation, which will make you suffer less losses. For example, 1 000 yuan will shrink by 50% after 20 years, and at most by 20% if insured. 2. The fund will make a fixed investment to resist the inflation risk: the average cost method is adopted to dilute the investment cost and reduce the investment risk. There is no need to consider the timing of investment at all, so as not to be swayed by considerations of gain and loss. Many a mickle makes a mickle, and long-term holding will compound interest. Simple procedures, lazy investment and expert financial management. First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth. Second, there is no need to consider the investment time. The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation. Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks. Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit. 3. Saving against inflation risk: If you put money in the bank to earn interest, the interest earned after deducting inflation is actually a negative return. If you invest in the stock market, you may face the risk of violent market fluctuations in the short term, and you may lose all your money. Therefore, it is not recommended to invest and save against inflation risks. At present, the stock market fluctuates greatly and the short-term risk is high, which does not mean that the long-term return is not as good as that, so stock investment should be avoided; Similarly, excellent performance in the past cannot guarantee the same performance in the future. What rose in the past few years may fall today, and what fell in the past few years may go against the current and become a wonderful flower in troubled times. Investment depends on the medium and long term, don't care too much about short-term fluctuations, and don't put all your eggs in the same basket. Therefore, in the current market situation, what investors can do is to establish their own investment portfolio, diversify asset allocation and diversify risks as much as possible. The biggest feature of the capital preservation fund is that it can recover the investment cost after at least a few years (usually three years), regardless of whether the market rises or falls. On the other hand, it has the potential to rise.