How do you deal with inflation and shrinking wealth?

Inflation is a normal social phenomenon, so in the data published on the information network, we may find that the annual inflation rate is about 1% 3%, that is to say, if we deposit 100 yuan in the bank, it may become 97 yuan after a yearBut from a factual point of view, the actual shrinkage rate of inflation may reach 7% 10%, that is, in reality, if we put 100 yuan on our body and do not spend it, then it is likely to become 90 yuan after a year, so if we want to ensure that our money is not eaten up by inflation, I think we can start from the following perspectives:

1. Buy Index**

First of all, I don't know if you recognize the index, the index is simply a country to put the top companies into a group, put in a basket, this basket will always maintain the current country's best companies, then the index ** represents the basket of several best companies, so under normal circumstances, the annualized rate of return of the index ** should be about 10% 15%, so if we learn to buy the index **, then we can easily outperform inflation.

2. Purchase a real estate trust**

Real estate trust** is a very good financial tool, his yield is above the index**, but for our personal financial skills may be relatively high, then real estate trust** in simple terms is a form of existence of many famous lots, buying and selling or renting and selling houses, just imagine these famous lots, generally will not lose money, and the law stipulates that real estate trusts must distribute 90% of their annual income to shareholders.

3. Learn to invest**

I believe that many people will scoff when they hear this, because there is a saying in our China's ** market, that is, 10** votes 7 losses, two capital preservation and one earn, that is to say, among the 10 people who buy **, only one makes money, and this is indeed the case, but today we want to say that if you really learn an investment skill, then the ** income will be high and your jaw drops, here we don't talk about how to invest **, I just recommend a way to manage your finances, If you are interested, you can try to buy some books to understand first.

Buy a house and save ** to prevent inflation.

There is no way, the meat on the board.

Uninstall all kinds of games on your phone, close Huabei borrowing and other software, find a job to work hard, order less takeout, and study more.

Buying short and selling short, borrowing, splitting and reorganizing, speculating on gimmicks, dealing with finance** The United States has a famous saying, "If you can't beat him, be friends with him.""

Save money to deal with the risk of future uncertainty.

Bitcoin: A peer-to-peer electronic cash system.

Inflation is also deceptive, the key depends on what you buy? Even the most convincing so-called housing prices in different cities and different locations are up and down, not to mention like a lot of electronic products, which are unexplainable by inflation, so it is recommended that ordinary people still keep their wallets, look at inflation rationally, and not be swallowed up by the theory that house prices only rise and fall!

Everyone refers to the majority of people, I think everyone in order to cope with inflation, is to keep working hard to make money, those who **buy** business to make money are a minority after all!

This is a peak of development, but it is also a bad state, if the Internet pushes too fast, it will cause some problems in the economy and cause money to shrink.

In the face of inflation, it is good to live as usual, do not trust some unknown investment companies, and manage your money and deposit it in the bank.

In fact, the best way to fight inflation is to improve your ability, or learn a few more skills, and become a compound talent, so that you can cope with inflation in a congruent manner.

When you have capital, you should make investments, you should not keep all your money in the bank, it will only depreciate if you store it in the bank, but it will not depreciate if you invest.

For us ordinary people, we don't have much wealth, so basically there is no inflation, we receive a salary every month as long as the days are enough to spend, generally do not worry about this problem, even if we have a little money in hand, that is, to buy a house or do a little financial management.

1. Control the amount of currency. Since the direct cause of inflation is too much money, one of the most basic countermeasures to control inflation is to control the amount of money, adapt it to the demand for money, and stabilize the value of the currency to stabilize prices. In order to control the amount of money, it is necessary to implement a moderately tight monetary policy, control the supply of money, and maintain a moderate scale of credit.

2. Regulate and control the aggregate demand of society. It is not enough to control inflation only by controlling the amount of money, but it is also necessary to prescribe the right medicine according to the deep-seated causes of each inflation. For demand-pull inflation, regulating and controlling aggregate demand is the key.

The regulation and control of aggregate social demand in various countries is mainly achieved through the formulation and implementation of correct fiscal and monetary policies.

3. Increase the effective supply of commodities and adjust the economic structure. Inflation must be tackled on two fronts at the same time: on the one hand, aggregate demand must be controlled; On the other hand, increase the aggregate supply. The two should not be neglected.

There are several ways that ordinary people can deal with inflation:

1. Appropriate selection of diversified financial investment, in addition to the above-mentioned **, bonds, real estate, ***, commodities, etc., although the market is not very sound, but on the basis of risk control investment, it can still be considered, in addition to the selection of scarce goods for investment preservation, such as calligraphy and painting, antiques, treasures, ancient jade, agarwood, stamps, etc.

2. When investing, you can study some scarce sectors, such as new energy, low-carbon environmental protection and other industries, understand and analyze, decisively build positions, overcome greed, focus on familiar bands, and avoid diversified portfolio operations, so as to understand information changes in a timely manner and reduce investment risks;

3. Carry out private equity investment in suitable projects, and participate in the enterprise on the basis of a full understanding of the project, or use the method of borrowing (debt investment) to obtain returns through the planning of income;

4. For some enterprises that are familiar with themselves and have good credit, the term of private lending should not be too long, generally the interest will be calculated monthly within one year, and the other party can also be required to provide a certain range of guarantees;

5. Real estate can also be moderately involved, and the housing prices in first-tier cities are already very high and can be paid attention to.

Second- and third-tier cities for investment, the risk of price decline is small, the population continues to grow, the rigid demand for real estate exists, and the potential for real estate appreciation is still very large.

The above are some of your own objective suggestions, please consider carefully when you really choose.

This is a very real problem, in the case of inflation, what kind of things to buy to maintain their value is an important means to deal with inflation, in general, buying ** is a very good means, of course, not jewelry, reserves, but in our country ** is prohibited from circulation, but I have seen someone in Shanghai buy ** on CCTV, should be able to buy some. However, I am not in favor of making investments, because although the global economic recovery has been very strong in recent years, China's economic situation is uncertain, and uncertainties have increased, especially the introduction of purchase restriction policies. On the whole, it is not suitable for investment in recent years, but people's expectations are good, and if China's economy can have a soft landing, it is still optimistic about the situation of China's economy.

In the face of inflation, we should establish a correct concept of wealth management and realize the appreciation of wealth and assets as much as possible, so as to cope with the impact of inflationary asset depreciation. How to maintain and increase the value of assets also needs to be chosen according to their own actual conditions.

China's inflation has been vividly manifested in the real estate market, and at the same time, because of the absorption and digestion of the real estate market, the impact of today's inflation on society will not be so great. Don't deliberately invest for the sake of value preservation, because speculation is more dangerous than inflation.

Determining the value of resources and the environment, doing a good job in distribution according to work, and adopting the method of balancing and retaining stagnation should be the fundamental solution.

Adjust the structure of housing supply and use interest rate tools to adjust real estate pricing.

First of all, we should rationally adjust the structure of housing supply. The irrationality of the housing supply structure is mainly reflected in the development on the one hand.

On the other hand, low- and medium-priced commercial housing is in short supply, which is suitable for economy.

Housing construction support is insufficient, and construction standards and purchase objects are not strictly controlled. In view of this phenomenon, the author believes.

It should be moderately released under the condition that the ownership of land is kept in the hands of the state, and that no illegal occupation or minimum occupation of cultivated land is required.

Relax the restrictions on new construction land, and the additional land can be used in whole or in part for low- and medium-priced, small and medium-sized businesses.

quality housing construction to increase the current supply of low- and medium-priced housing.

Adopt a tight monetary policy.

The main methods of inflation control in our country:

In the 80s, the method of controlling inflation was mainly administrative. Effect: Inflation is under control at the same time as the economic growth rate is also declining.

After inflation in 93, ** adopted a flexible fiscal and monetary policy, although it did not give up the use of administrative means, but the focus of operations fell on indirect macroeconomic control. The result: a successful soft landing of the economy, bringing inflation under control while maintaining proper economic development.

A few lessons: 1. You can't simply pursue the speed of economic growth. There should be a correct understanding between economic growth and economic stability.

2. It is necessary to further deepen the reform and make the micro subjects more and more sensitive to policy signals.

Keep your wealth growing, otherwise the purchasing power of your money will decrease with inflation.

Inflation response.

Currency, the goods in circulation are actually RMB, that is, there are more RMB, not worth it, the wealth has not changed, but there are more RMB, and the market cannot keep up, just like you go to buy a house alone, no one buys, the money you have is equal to the house, but if many people buy, then the ** of the house is equal to a lot of people's money, it is not very accurate, but it means that the total amount of consumer goods in the market should be the same as the currency, if suddenly the goods are less, or the same value, The renminbi has depreciated, obviously.

To put it simply, inflation is when banks issue too much money more than people need for normal life, so prices will be **. Wealth has not shrunk.

The amount of money circulating in the market is too large, and the number of products is not increasing, that is, there is too much money, and there is no increase in what can be bought, so it leads to the general sustainability of prices**.