In the current form of the international, even if we do not understand the in-depth reasons, we should know what kind of situation we are in now.
Since the outbreak of the epidemic in 2019, it has now lasted for nearly three years, although China's current economic recovery is already very stable and prosperous compared to most countries, but compared with before the epidemic, there is still a certain regression.
People who have done entities should have a feeling that during the worst period of the epidemic, hundreds of small and medium-sized stores closed every day, even large enterprises could not hold up, and they chose to lay off employees and other ways to reduce operating costs.
Now after the epidemic has passed, and because of various reasons, raw materials have risen, the price of what is rising, pork is rising, raw materials for clothes are rising, and house prices are rising compared to the epidemic prevention and control period.
This is what we call the shrinkage of the currency, not that your money is not enough to spend, but that your money is not worth much.
Originally, there is a million yuan household is already very remarkable, it means that this family is very rich, now, even if it is a third-tier city, the family's assets of more than one million are only ordinary levels, and then encounter the birth of children who need to go to school, and even a little stretched.
How much cash has shrunk in our hands?
In 2020, the central bank's forecast of our annual inflation rate is 7.3% to 7.5%, we will calculate according to 7%, if you have 100,000 yuan in your hand, in 10 years it will be equivalent to the current 50,840 yuan, almost half of it, which is why we feel that the current wage is higher than the original wage, but the living standard has not improved significantly.
Your wages are rising, other prices are also rising, and of course there are many reasons for the rise in prices.
When the currency in the market increases, it is equivalent to diluting the value of the currency, then the price will naturally rise, which is also a cycle.
So for the amount of money, in fact, there is a certain control, if the currency is over-issued, the market will have a lot of drawbacks, to say a typical example, that is Zimbabwe, now Zimbabwe's currency is not paper value, the amount is calculated in hundreds of millions.
Zimbabwe was actually the second largest economy in Africa after South Africa, but food shortages, resulting in high premiums, as well as internal and external troubles, have caused the current results.
So we also know that the shortage of materials, the demand of the market, the shortage of supply and demand, will also cause prices to rise.
Since the shrinkage of the currency is so serious, what can we ordinary people do? Although we can't change from the big environment, we can guarantee that we can keep a little more funds, right?
Of course, we can talk about how we can do it, or what not to do, in order to better save ourselves in this "silent smoke".
One
We do not blindly invest in houses, real estate is recognized as the most profitable industry in the past few decades, this is indeed the case, and because of the impact of the epidemic, the country's housing prices have actually declined to varying degrees, the square price of more than 10,000 in third- and fourth-tier cities, down to seven or eight thousand are not in the minority, then the rush to sell houses is a loss, and the buyers now seem to feel that they have picked up a bargain.
So after the epidemic stabilized, many people saw the slow rise in house prices and felt that they could also buy a house, even if they did not live, they could invest?
From the data point of view, in the first half of this year, the sales of China's real estate industry did climb to a new high, and many people began to retaliate against consumption, but this involved the point we said earlier, which is due to the over-issuance of currency and the release of international currency during the epidemic prevention and control period.
And now we can see that our country is deliberately to a certain degree of control over house prices, can not afford to buy a house has become a reason why young people do not want to get married, but not getting married will lead to a reduction in the birth rate, serious aging, the consequences of which are also very serious, can no longer let house prices grow like this.
So control over house prices is necessary, at least not to let it go crazy like it did in 2008.
If you buy a house now, unless you live by yourself, it is indeed a bargain, but if you want to sell, do you know what the policy will be like in the future? Now that many first- and second-tier cities have introduced policies to limit loans and sales, do you think you can master it in this whirlpool?
The time to make a fortune by speculating has passed, and with so much money, it is better to look at other industries.
The second point, to moderate investment, first pay attention to good, is moderate investment is not blind, we said, money will only become less and less valuable, this is also irreversible, not only our country, the world is maintaining a good inflation point, but a little imbalance in the past two years.
For example, we often say that the chaos of buying gold, the depreciation of these things is limited, and in the long run, gold will increase in value, not only when the currency shrinks now, if there is spare money in daily life, in fact, you can also invest in gold's growing fixed assets.
It doesn't go up as fast as real estate, but it wins in stability, and when it goes down to a low, it can quickly take a shot and seize the opportunity.
Third, do not blindly expand investment, I know that many people in the middle of the epidemic mistakenly hit and made a lot of money, especially part of the production industry, although at the beginning it was also hit hard, but after the epidemic stabilized, the production of daily necessities also made many people rich overnight.
There are other industries, if you think that your business is doing very well and you want to expand, then you really have to think about it, in the current environment, we are recovering very well, but there is still a certain loss.
And your blind expansion is to feel that there is more money, right? But this money will still be recycled, the original release is to stimulate the recovery of the economy, we can not let the currency has been in the stage of over-issuance, then how to repay the money you borrowed?
What we have to do now is to stabilize the current real estate industry, do not give ourselves too much debt, because every day the environment is changing, before the epidemic, how many people expanded their own industries, the result of the front foot expansion, the back foot came to the epidemic, this is also a natural disaster, if there is no expansion, the money in the hand may still be able to support the stability of the epidemic, but after the expansion of the hand there is no money, ah, but also to support more industries, you can only choose to close.
What we want now is a steady fight.
Fourth, do not set foot in these sectors of stocks, I believe that people who bought stocks and funds this year should feel the same way, this year some people did earn, but most of them are still in the stage of loss? Especially last year, a good market, so that many people have made money, it has attracted a group of people to follow the trend of investment, the result of buying the top point, it is indeed through the position to reduce losses, but for most people, there is no patience at all, every day to open is a piece of green oil, many people can't help but cut.
Can stocks and funds make money? Of course, it is still possible, but most people do not have this ability, many people are following others to buy, but when to buy, when to make up the position, when to quit, this is a science, even if you and he bought the same stocks, buy more than him, maybe people will make money, you lose money.
So ah, don't follow the trend of investment, especially this year's stocks and funds change is too fast, last year was called the eternal god, liquor fund, this year's loss is not good.
Of course, if you feel that you have this ability, you still have this spare money, this money you will not use in a short period of time, even if it is a loss does not affect your daily life, you can really try, but if you do not understand the stock fund, money for you only hope to make some money, loss will affect your real life, then I suggest you still do not mix it in, and then look at other places.
I don't know what kind of methods everyone has chosen to prevent the currency from shrinking too much?
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