A white-collar anti-inflation combination fist

"Prices are high, prices are rising, wages are going to keep up with prices, prices are not allowed to keep up with prices ..." The recent online spoof video, "China Price", sings almost all white-collar workers ' voices. When money is more and more worthless, when wages rise fast but prices, how can "carry" have been "garlic you ruthless", "Beans You play", "Sugar Gao Zong", "What", "oil He Go", "Ginger You Army", "not egg set"?　　To this end, may wish to look at the commercial newspaper reporter interviewed the "Young" white-collar Xiao Wu, he is trying to make himself "anti-inflation talent." Commercial newspaper reporter Liu Lianying lamented the wage increase difficult to exceed the price of the reporter sitting in front of Xiao Wu looks somewhat gaunt, because the night before he had just put his hand a "private work" driven out.　　Xiao Wu is a construction engineering designer, 4 years ago from a famous Harbin University graduate students came to Shanghai to fight, although this year is only 30 years old, but he looks quite mature and stable. "I also have no way, now can do a little part-time to do some, anyway, is to use their spare time, not to violate the rules, do not earn some extra money by wages how to feed the family?" Xiao Wu said that when he first came to Shanghai in 2006, he found a private enterprise engaged in construction consulting work, at that time, wages only 3,000 yuan, to remove the rent 1500 yuan, the cost of electricity and water utilities 300 yuan, eating, transportation, daily necessities and social spending at least more than 1000 yuan, One months down wages also as their own identity-"white-collar". However, it is not realistic to expect a raise in private enterprise bosses.　　Look at the overseas ring prices have passed million, Xiao Wu had to change a year later a new owner. "I was September 2007 to this unit, the company is the nature of state-owned enterprises, but all aspects of the assessment mechanism is more stringent, which is to me such a fair competition platform for the top." Because of outstanding performance, six months after the company gave me a monthly increase of 500 yuan wages, at that time after the hands of more than 5,000 yuan.　　"Speaking of which, Xiao Wu was suddenly agitated," but after the positive after my salary basically did not rise, until last year I was named advanced individuals, monthly wages and added 300 yuan, that is, I from 2007 to now more than 3 years of time, the monthly salary only rose 800 yuan. It's not worth the mortgage. At the end of 2007, Xiao Wu encouraged the parents who had retired at home in Xuzhou, Jiangsu, to come to Shanghai to live with themselves, and sold their parents intended to marry their own set of houses, and then in Shanghai to buy a set of less than 70 square meters two rooms a hall house, down payment of 500,000 yuan,　　At the same time with their own provident fund loans 200,000 Yuan, 15 pay off. At the end of 2007, Shanghai's Provident Fund loan rate of 5.22% calculation, Xiao Wu monthly repayment of more than 1600 yuan. Xiao Wu thinks it's cheaper than he was at the time and wouldn't be too stressed about his life. Although interest rates were high at the time, Xiao Wu, who did not have much savings, did notConsidered early repayment. However, as the global financial crisis hit the global economic downturn in 2008, China also reduced the lending rate 5 times in this year, in which the interest rate of Provident Fund loans fell from 5.22% to 3.87%, and Xiao Wu's monthly payments also decreased from 1600 to 1400 yuan.　　Xiao Wu that low interest rates do not need to pay ahead of time, after all, the monthly repayment of more than 1400 yuan, Provident Fund accounts can be washed away about 500 yuan, the remaining 900 more than a drizzle. However, after nearly 3 years of low interest rates, the central bank also launched a new round of interest rate hikes as inflation intensified. In October this year, the central bank announced interest rate hikes, Provident Fund loan interest rate up to 4.05%. After raising interest rates, many "mortgage slaves" began to consider prepayment. But Xiao Wu carefully calculate, for their own hands of the loan, if the one-time return of the remaining 170,000 yuan, then the savings in their hands are basically little left, and if the repayment, the monthly increase in the amount of money in fact only more than 10 yuan, will not cause much of their own life burden,　　And the total repayment amount is only increased by thousands of yuan. "In the case of inflation, early repayment is not a good deal, I have in the university supplemented the fundamentals of economics and Finance, and other courses, the more money is not worth the less the need for early repayment, so that the money can also be used to make other investments."　　"Here, Xiao Wu appears confident." Investment diversification investment money to find the right time to join the stock market "when it comes to investment, people think of stocks first, but I also count ' Untimely ', after graduating from the first year also no savings, the result of the second year is the 2007 stock market ushered in the great bull market did not let me catch up, until the financial crisis swept the stock market, the property market also followed the cooling, now look back at the time I was right, bought a house now worth more than 1.3 million, almost up to a Xiao Wu paused and said, "Now is not the time to make money by investing in real estate." "This May, Xiao Wu decided to kill into the stock market, he took out his savings 100,000 yuan into the stock account, although the market has dropped to 2,500 points near, but, because the first into the stock market, Xiao Wu was cautious to do half a warehouse operation." "At that time, there was no special research on the stock, always thought that the old aunts can do the stock, should be hard not to pour themselves, but the stock market in July after the end of the rebound, after almost three or four months my account basically do not lose money." So do the stock is not interesting, so I began to pay attention to the students under the Gem board, but also began to learn some of the skills of stocks. "With the gem listing, Xiao Wu's hand in the stock seems to find a sudden investment direction, the current his hands are concentrated in the gem or High-tech emerging industry stocks."　　Xiao Wu revealed that, in just two months time, his stock account has increased nearly 20,000 yuan. Precious metals investments held for a long time "however, the risk of simply investing in equities is self-evident, and in the context of inflation, a little more investment in precious metals could reduce the risk." ”Xiao Wu through a friend of the bank to understand the paper gold this operation is very convenient investment varieties, so he ventured from the deposit to take out 30,000 yuan for paper gold trading. This time, Xiao Wu is smart again, "I see the international gold price even high innovation, investment is the most taboo is chasing the rise and fall, I am ready to buy when the gold correction, so has not laid a hand." "Just then, the market began to pop silver," than the paper gold 10 grams of trading starting point, silver 100 grams of the threshold is much lower, October silver per gram only 5 yuan, investment 1 hand silver only 500 yuan, and although silver rose a lot, but experts are predicting silver price there is room for rise, So I decisively bought 4 kg of paper silver (5.07 yuan/grams buy), investment only more than 20,000, now silver in 5.8 yuan/gram near floating, floating surplus of more than 2,800 yuan. "Xiao Wu proudly said," I heard that silver general fried short-term, gold fried long line, the recent gold callback silver has risen a lot, I am ready to sell paper silver, such as Silver callback to buy, gold long-term view is still protected, so I am prepared in addition to layout paper silver, but also want to hold some paper gold for a long time.　　In this way, Xiao Wu's precious metals investment account accumulated about 50,000 yuan of deposits. Futures market small test the price rose and rose, so that many investors began to pay attention to futures. Small Wu Gaozhong friend now a futures company, a day party at dinner that friends talk about the futures market this year, the vicissitudes of the little Wu unexpectedly also budding to the futures market small test the bold idea.　　In the friend's help, Xiao Wu smoothly opened a futures account, and from the salary card "weak weak" to take out 10,000 yuan into the futures account. Because the amount of money is too small, Xiao Wu's 10,000 yuan can only fry a cheap agricultural products, such as corn, early indica rice. "My friend said that the current price of early Indica rice is near the cost price, now government regulation can not change inflation expectations, agricultural prices will rise, so I look to see or intend to buy an early Indica rice, about 3000 yuan to buy 1 hand rice (that is, 10 tons of early Indica rice), Friends say you buy the next May contract, put it there, ' I guarantee you to buy this anti inflation is no problem '. "Xiao Wu was skeptical about buying 1 of early Indica rice in the vicinity of 2,410. But making money is not that easy," yesterday to look at the account loss of more than 900 yuan, but I do not seem to worry, because my portfolio, stocks concentrated in High-tech and emerging industries, precious metals, low risk, Futures on the layout of a little bit of agricultural products, from the industry is more dispersed, such as the purchase of paper gold, I will not buy in the stock market of gold listed companies, so you can do risk hedging. "Tighten up and recharge in time," Xiao Wu says, "Inflation has also changed his life."　　From the second half of the year, he tried to find "private work" from his circle of friends, working during the day and doing his evenings, "making 800 to 1000 bucks a month is always good." “However, both open source and reduce expenditure. Xiao Wu told reporters that after the oil price went up, he rarely drove to work again, "Shanghai's subway lines are more and more, traffic in all directions, in fact, as long as a little early in the morning half an hour can also avoid rush hour." "Now Xiao Wu's car only comes in handy on weekends," on weekends I will drive with my parents to the wholesale market of vegetables and fruits to purchase, the same beef, at home at the door of the market to be more than 40 dollars a pound, in the wholesale markets as long as 35 yuan, taro, carrots, white radish, potatoes and pumpkin These 冬储白菜 prices are much cheaper than the markets , weekly to buy at least can save two hundred or three hundred yuan, and Apple, a Buy is a box can eat one months, also saved a lot of money. "The most admirable is that Xiao Wu not only in the details of life to save money, he also considered the future development of the workplace," like our industry multiple test Center certificate can quickly improve their development space, I recently in training, ready to put '　　State-level registered architects ' to test out, plus their own work experience, with this certificate can be long-term anti-inflation ... ◇ Expert perspective the investment choice under the background of inflation and inflation Huaan fund Huang pointed out that the most recent social concern is the continuous rise in consumer prices. Some commodity prices in Shanghai and Shenzhen exceed those in Hong Kong.　　This has to arouse the attention and concern of all strata of society. A 700 billion per cent decrease in bank deposits in October showed residents ' concerns about sustained negative interest rates and high inflation. Stock market, property market, futures, trusts, funds, bank financial products, all kinds of investment tools dazzling, how to choose to overcome inflation? It is recommended that you consider the principle of decentralization and the investment variety that focuses on absolute income. Only diversification of investment can reduce the risk, only to achieve absolute income, can overcome inflationary pressure, to achieve the value of assets.