Is there any good way to fight inflation for personal finance?

The 3-year fixed interest rate can be used for the whole deposit, and the 5-year interest rate can be used to maintain the value of the fixed interest rate.

If you only want to preserve your value, it is a good investment variety to maintain your value.

PICC Health Treasure is a good way to manage your finances. Suitable for medium to long-term financial management.

Personal finance refers to establishing a reasonable personal financial plan based on the financial situation and appropriately participating in investment activities. Personal finance investment.

There can be a variety of options for DAO content, and this can vary from person to person. If you want to talk about the impact of inflation on people's financial management, take personal savings as an example, inflationary pressure will make people's money in the bank depreciate, that is to say, under the 6% inflation index, 100 yuan may only have the purchasing power of 94 yuan, plus the annual interest of the bank, 100 yuan is equivalent to only after a year of saving, therefore, in the case of serious inflation, people should consider financial products with the highest possible yield in order to achieve the effect of asset preservation and appreciation. Control the risk.

First, seek the highest return second!~

Of course. Only financial management can beat inflation.

Everyone knows inflation, and it is also the driving force that drives us to invest and manage our finances. If the annual living expenses of a working family are 50,000 yuan and the annual inflation rate is 3%, then in 30 years, if the family wants to maintain its current quality of life, the annual living expenses will become 10,000 yuan. Do not forget that inflation is additive, and the level of inflation is likely to accelerate rather than be uniform.

And money has a time value. Even without inflation, money today is more expensive than tomorrow. So you sacrifice the right to use the money today and save it, and the bank will give you interest, which is the reward for your "sacrifice" enjoyment.

Why do you say that if you buy a house, you must choose a mortgage for 30 years, and how long you must choose the payment method for insurance, because the money is the most precious now, don't care about the interest, after 10 years, you will feel that it is all floating clouds.

Compound interest three factors: minimum investment, rate of return, and investment period.

Of these three points, the investment period is the most important. Suppose you start to invest 1,000 yuan a month from the age of 30, and calculate the yield of 9% every year, and save for 30 consecutive years until the age of 60, and the income is 1.78 million. But if you start investing at the age of 40, invest 2,000 yuan per month, and invest in Qin for 20 years, the income is only 1.34 million!

Just postpone the investment for 10 years, even if you invest an extra 1,000 yuan per month, your income will still be reduced by 440,000 yuan! Therefore, compound interest has a good effect, and time cannot be less.

Similarly, if you invest 1,000 yuan per month, if you start investing from the age of 40, if you want to achieve a principal and interest income of 1.78 million yuan at the age of 60, the annual rate of return must be exceeded! However, in reality, it is very difficult (and riskier) to achieve an average return of more than 16% per year, while a return of 9% per year is relatively easy to achieve. (For example:.)

Zhongrong Kunrui ** company currently promotes the "Dream Series" product - Dream Building No. 11, with an investment period of 2 years, a performance benchmark (annualized) of 12%, a minimum investment period of 6 months, and an expected annualized rate of return of 9%, and a risk rating of R2 stable). (Add FHZM168 to invest in good infrastructure assets and grasp the new direction of asset allocation in 2020).

Banks' wealth management products can be purchased, and it is difficult for banks' wealth management products to outperform the inflation rate, but the risks are relatively small.

Inflation is a persistent phenomenon at the general price level over a certain period of time. The immediate cause of inflation is that the amount of money circulating in a country is greater than the total effective economy of the country. Inflation is not only a monetary phenomenon, but also an important cause of inflation in the real economy.

In the case of inflation, it is difficult to protect the capital by relying on financial management alone, and it is necessary to face greater risks to outperform inflation. According to private estimates, the annual inflation rate is about 5%. However, there are almost no principal-guaranteed wealth management products on the market that can reach 5%.

Investment methods higher than 5 points of income include bonds, **, **, etc., each of which requires a certain amount of financial knowledge as support, assisted by continuous operation in the market, in order to achieve good returns. But this is often what most investors lack.

Maybe there are a lot of such people around you, who don't understand anything, and go into the ** with money, and the result is that they can still make a little money in the bull market, and lose in the bear market, because they are too lacking in financial common sense.

There are also less timid investors who always complain when they buy **, bonds, etc., and what to buy is down. In fact, it's because they don't even know what they are buying, what areas to invest in, and what they are heavy in, so you can imagine how such an investment can make money?

Therefore, I think that if ordinary investors can't bear the risk, the requirements are not too high, and the 4-point large-amount certificates of deposit and treasury bonds are already relatively good returns for ordinary people, and they can basically guarantee the principal and interest, and there is no need to worry too much about the income.

If you can bear a little risk, you can choose to invest in the index**, as long as you stick to long-term investment, not only the risk is smaller, but also the return is relatively high, and it is easier to outperform inflation.