When the economic crisis comes, how should ordinary people deal with it?

<> a financial war has begun to start, the current Federal Reserve continues to raise interest rates and shrink its balance sheet, resulting in a large amount of capital flowing to the United States, which makes some emerging market countries, such as Argentina, Turkey, Venezuela, Brazil, Indonesia and other countries miserable, not only the domestic "stocks, foreign exchange, debt" three kills, some countries have also exposed the financial crisis. Take Venezuela as an example, now Venezuela is experiencing a financial crisis, due to the United States** sanctions on its oil, the Venezuelan economy has plummeted, in order to maintain the original high welfare system, Venezuela ** has been through the means of printing money to get through the difficulties. As a result, a large amount of money is flowing into the market, driving up inflation, selling out supermarkets and shopping malls, closing many factories and losing a large number of people.

At the moment, the inhabitants of Venezuela are in the midst of a fire in the water.

Although the Fed's interest rate hike has not had a significant impact on China's economy, due to friction, resulting in a narrowing of the domestic export surplus, the current domestic economy is in a serious downturn, and the real estate market has begun to weaken from strong to weak, and the domestic economy has been in a long-term downturn. As a result, all walks of life feel that it is becoming more and more difficult to make money. Regardless of whether there will be a financial crisis in our country in the future, it is also necessary for ordinary people to properly understand how to deal with it.

First of all, in the case of an economic downturn and a bad financial situation, you should try to take cash as the king, because you have mastered more ** and real estate, the financial crisis is coming, and you can't change food, only have a lot of cash in hand, shrink the investment front, so that it is easy to get through the difficulties safely. Therefore, it is recommended that you reduce your investment in high-risk financial products, or diversify your asset allocation, and do not put all your assets in one financial field.

In addition, in the context of the domestic economic downturn and the increase in financial risks, ordinary residents should try to increase leverage as little as possible, and even cancel unnecessary installment consumption. When the financial crisis occurs, the people who have the worst life are high-leverage real estate speculation, speculation, speculation, etc., because their capital chain will break at any time. Moreover, when the crisis comes, you should focus on improving your ability to survive, if you have one or more skills, even if the financial crisis comes, it will not affect your survival, at most the quality of life is worse than the original.

When the financial crisis comes, don't think about starting your own business, try not to be unemployed, and if you are not unemployed, you can improve your survival ability by learning skills on the premise of having a fixed income. Finally, for wealthy families, in the event of a financial crisis, any asset can be discarded, as long as the cash is kept. Because after the financial crisis comes, the real market and the property market will, and the opportunity to really speculate in the capital market often appears during this period.

Therefore, try to ensure that you have a large amount of cash without any losses, and enter to the bottom of the ** or property market, and you may be able to change your fate.

First of all, the economic crisis, we must hoard money, afraid that the money will depreciate and exchange it for **, and secondly, when there is a sign of this, we must stock up on grain. Most importantly, don't invest in real estate and ** anymore.

I think you should stock up on some supplies first, because first of all, you should ensure your own survival, and then you have to work harder to avoid being fired, because it is more important to have a stable income** during the economic crisis**.

In the face of an economic crisis, what should we ordinary people do? What to consider?

1. It is forbidden to invest in highly leveraged assets. What are the highly leveraged assets? The typical one is the property.

Ordinary people almost always need a mortgage to buy a house, so to a certain extent, a down payment + mortgage is to buy a house with leverage. In times of economic crisis, residents' incomes plummet, and the property market just needs to plummet, and housing prices will undoubtedly be **. At this time, buying a house with leverage is tantamount to giving money to the developer.

Of course, in the later stages of the crisis, it is also a good time to buy a house, after all, it is cheap; The second is shorting. Seeing that many people on the Internet suggested that ordinary people can short through the stock index ** in advance, I am really speechless when I read it, please don't mislead these people! Putting aside the issue of the amount of funds for the time being, only do a good job of choosing the right time to short, and few even investment bigwigs have done it, let alone ordinary people.

At present, it is not easy to short the domestic stock index, the discount is serious, and the cost of shorting is very high, because everyone is not optimistic about the index, resulting in **** (future expectations) being smaller than spot ** (now). Therefore, even if it is an investment boss like private equity, at best, he uses the stock index ** as a hedge, and wants to short make a profit, the first country does not allow it, and the second heat is still a little worse. 2. Avoid investing in long-term risk assets.

Pay attention to the wording, it is to avoid, not to prohibit it completely. If you encounter a low-valuation high-quality asset, it cannot be ruled out that it can be lurking. So what are these long-term risk assets?

For example, equity investment, stock split, etc. The starting price of equity investment is generally 100w, and some may be 300w or even higher. However, whether the equity is invested in a potential start-up chain or a mature quasi-IPO company, the risk is large enough.

First of all, start-ups may go bankrupt due to the economic crisis that leads to the rupture of the capital chain; Pre-IPO companies may slow down or suspend IPOs due to the supervision and management policy to prevent ** blood drawing. And what about **? Although you can buy and sell as you go, in the economic crisis, ** is the first to bear the brunt.

So don't think about lurking undervalued quality stocks before the crisis. First of all, before the crisis, it was all a bubble carnival, and you didn't know who was the dark horse; Secondly, even if you know, there is a high probability that this dark horse will be killed by mistake in a crisis. So when the crisis comes, it's not too late to run as far as you can, and it's not too late to come back in the middle and late stages of the crisis.

3. It is recommended to invest in long-term low-risk assets. What are the long-term, low-risk assets? Such as regular investment, index**, fixed income wealth management and bank deposits.

1. Stabilize work, ensure economic excellence, and seek survival first.

Unemployment in a crisis is a high probability, the economy is depressed, enterprises can not carry out business, no business, no sales, no profits, naturally have to lay off employees. In the on-the-job state, we must try our best to do our own work, add weight to ourselves, make ourselves irreplaceable, and ensure that there is a stable spring every month**; If you are unemployed, even if your expected earnings are reduced, find a suitable job as soon as possible to ensure a stable income**. In difficult times, survival comes first, survival first, and then development, and personally, it is necessary to keep employment in difficult times.

Usually we should develop the habit of accumulating spare funds, and in times of crisis, we should not spend unplanned, but should have sufficient cash flow, and cash is king in times of crisis. When an economic crisis is a risky asset**, cash becomes the most expensive asset in the world.

Second, do what you can, consume reasonably, and save resources and open up flows.

In terms of consumption, everyone has to do what they can according to their actual situation. The wealthy and high-income groups can respond to the call to actively consume to ensure overall social and economic stability. Those with lower incomes should reduce their expenses as much as possible while ensuring essential supplies, and keep enough reserves to improve their ability to resist economic risks.

Firmly believe that cash is king, and it is better to depreciate than to lose all your money.

3. Reduce debt, reduce debt, reduce debt. Reduce leverage, reduce leverage, reduce leverage.

It includes not only housing loans, car loans, Xinzhi durable cards, Huabei, etc., but also the leverage of the capital market.

All crises are indispensable to debt, the first to fall before the crisis are highly indebted enterprises, banks and individuals, and they should also avoid lending money to others when reducing their debts, unemployment is what most people have to face, and you don't know if he has the ability to repay the debt.

The way to deal with the economic crisis: capital preservation investment cash is king, actively adjust the investment structure, and dilute the cost of investment.

1. Cash is king for capital protection.

Cash is the guarantee of life, which can be paid and circulated, and in life, most of our life needs are paid for in cash. Even if it is an investment, adding a position, **, it is all real gold**. Therefore, having a certain amount of cash in life is very important and the first step in management.

2. Take the initiative to adjust the investment structure.

In times of financial crisis, we should take the initiative to adjust our investment and reform the structure, and not ignore the risks while pursuing high returns. Many people are in prison, and even jump off the building at a loss, just ignoring the risk and being excited. Slag investment, need to bear the risk of the individual, then according to the personal financial situation, set up a suitable investment portfolio, rather than choose more than the range of risk tolerance of the investment target, in addition to the risk, there is also the fear before selling.

3. Investment methods to dilute costs.

There is an essential difference between investment and investment. Not only the difference in time, but also in the difference in strategy and method. To invest, you should be mentally prepared for long-term investment, so that you will have a long time to think about and measure your investment strategy, so as to reduce risks.

Long-term investing is one of the safest and most popular ways to invest in the market right now. Use the amortized investment method to reduce risks and losses in the face of market changes.

The dangers of the economic crisis:

The economic crisis has caused a huge waste of social wealth and caused serious damage to the productive forces of society. The economic crisis has further deepened the basic contradictions of capitalism. The economic crisis has further exacerbated social class contradictions.

The economic crisis has exacerbated the contradictions between developed countries and between developed and developing countries.

The economic crisis has shown that there is a contradiction between the productive forces of society and the relations of production. The economic crisis is a product of the intensification of contradictions, which in turn promotes the economy to continue to move forward amid ups and downs. In contemporary times, the economic crisis has exacerbated the contradiction between the transition crisis and the reversal crisis between the countries and the developing countries.

It has exacerbated the contradictions between countries competing for commodity markets and export crises.