Three Ways To Win Inflation By Expert Weapon

A piece is circulated on micro-blog: "two 5 wool get married, they think that they can always be together, who knows inflation, they become a piece of two."

This is the ridicule of inflation in the virtual world.

The real world is real.

Common sense in economics tells us that inflation is the biggest enemy of wealth preservation and appreciation.

How to overcome inflation and keep our purchasing power from being swallowed up, in addition to financial investment, there seems to be no other way.

How high will CPI be?

The CPI data in November will be released. The market is generally guessing that the data will be higher.

Wang Tao, chief economist of UBS Group China, gave a specific figure - 5%.

And explained that the current CPI inflation in China is mainly driven by the price of food, especially vegetables, rather than the result of excessive monetary development.

Liu Yuhui, director of the financial Experimental Research Office of the Institute of finance of the Academy of Social Sciences, explained to you at the first fortune forum held by cool 6 network, how 4.4% is composed of two parts: the cardinal effect and the new price increase factor.

Then he said that the data in December should be down, but "the first half of next year must be very high".

Because the tail factor in the first half of next year (the impact of price rise in the latter half of last year on next year's price index is called the tail factor) is 1.7% in January and 2.5% in February, so the whole tail factor fluctuates between 1.7% and 2.5%.

If the new price increase factor is strong enough to maintain above 3.5%, next year's CPI will exceed 5%.

Mr. Liu's explanation is clear to everyone. Next year inflation will probably be more severe than this year.

What should I do? Cheng Wenwei, director of the Bohai Securities Research Institute, said that "inflation is not terrible. The terrible thing is that there is no way to deal with inflation."

Winning the inflation method

For people who only have "three melon and two jujubes", futures are too professional, the property market is now highly regulated, and the relatively low threshold of stock speculation has become the preferred investment channel for many ordinary people.

The stock market is risky, but risks are often accompanied by earnings.

Over the past few days, the stock market has been shakedown.

However, Mr. Zheng is very calm, because he entered the stock market not to "make a fortune" or to shrink assets.

Mr. Cheng described himself as a master who could not sleep all night long as he lost money, so he chose to play the new game with no risk at all.

"I originally deposited my money in the bank, and it turned out to be uneconomical. I heard my friend's suggestion to join the stock market.

The first time I took out 200 thousand hits, I signed a new one, and I sold 9000 net on the opening day.

200 thousand the interest rate is only 5000 yuan in one year, and the income in one year is not as good as a day.

Mr. Zheng is very sympathetic.

As a result, Mr. Zheng increased his investment, and opened an account with his wife's ID card to fight the new business. Because of the large amount of money, Mr. Zheng has made repeated gains. The new revenue this year has far exceeded the earnings of the principal.

In Cheng Wenwei's opinion, the first choice for investment is still buying stocks.

He said that from the history of the United States, stocks are much stronger than gold and treasury bonds, while small and medium-sized stocks in stocks are much better than large ones.

Niu Wenxin, editor in chief of CCTV's securities information channel, agrees with this view. "I think it's better to buy the shares of ICBC if it comes to industrial and commercial bank deposits."

Professor Niu suggested to netizens, "these market shares are 10 times earnings per share, the annual cash dividends are about 50%, and after 50% points are finished, you can get rid of the 20% tax you paid. Now you can get the net dividend income from the stock every year, which should be between 4% and 5%, which is more economical than the deposit bank."

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Two way to win inflation

In fact, the purchase of funds is another form of stock speculation, but only to save their attention.

Although the earnings of the funds in the past two years are far from brilliant in 07 years, overall, most funds can still win the CPI.

If the October 4.4%CPI data as a benchmark, according to the statistics of the daily fund net data center as at December 1st, there are 94 partial stock funds, 72 mixed funds, 82 bond funds, and even 3 guaranteed fund returns above 4.4% this year. The number one Chinese business prosperity fund has increased by more than 40% this year.

However, people who have invested in their own business are well aware that "timing" is one of the most difficult issues to decide in investment.

If you buy the fund at 6000, I am afraid this time has not been solved, let alone beat inflation.

TEDA Hongli believes that the best way to invest is to buy low and sell high, but the actual operation is not simple.

Many new investors in the market see the market go up, they buy the fund, and in the callback, they lack enough patience and confidence to choose to leave the field and suffer heavy losses.

Therefore, for investment funds, if you can not choose, the fund's fixed investment is the simplest way.

No matter how the market fluctuates, the regular buying of fixed funds, especially when the market falls, falls and buys. It not only reduces the cost of the previous fund, but also expands the share of the fund.

An important reason why the fund's fixed investment is expected to beat inflation is that it has made full use of the long term compound interest.

Statistics show that between 1983 and 2003, the average annual yield of US equity funds was 10.3%, which greatly defeated the average inflation rate over the same period.

From 1990 to 2006, the average annual yield of the Shanghai stock index reached 8.46%, and it also succeeded in winning the inflation.

Beat inflation three invest in yourself

According to a survey conducted by NetEase Finance on how to win the inflation, "invest oneself" successfully surpassed stock speculation (12.9%) and bought a house (19.9%) ranked 22.9% in the first place against inflation.

Niu Wenxin answered this question when he answered the cool 6 netizens question at the fortune forum: what kind of way to combat inflation is the most effective way for young friends to invest?

Wang Xiang, director of the marketing department of the ten major financial planners and Shang Mo Morgan, also mentioned in his "million dollar financial plan" that the newly graduated college students do not have much savings. Even if they have invested, they can not earn too much money even if their principal is too small, even if the income is very high. It is better to regard their own value as their first goal, because in the long run, investing in themselves is the best way to resist inflation.

When you are young, you should take more places, make more friends, ask more people who can help you, strive for a good job and make some progress.

This is much better than learning from the computer or studying financial skills.