Protecting wealth: Open source or throttling

Our correspondent Cao Shu now, the most realistic question before us is how to win the battle for personal wealth under inflation expectations. Inflation has always been a laborer's biggest enemy, for the simple reason that it has reduced the purchasing power of our money, and the hard-earned money is getting worthless.　　Recent prices have been as high as doping, and have had a direct impact on people of different incomes, making them feel the enormous pressure of rising living costs.　　The defense of national wealth for the country, whether inflation is now imported or structured, managing inflation expectations has become a priority, and even experts say it is not the management of inflationary expectations but the overall curb on inflation. Xie, an independent economist and director of Rose Stone consultancy, said: "The rise of agricultural and sideline products is in fact the result of the excess of money, the excessive amount of money accumulated over the years has brought huge inflation risk to Chinese economic entities."　　"According to central bank data, in late September this year, the broad currency balance has reached about 70 trillion yuan, according to the National Bureau of Statistics issued by the first three quarters of GDP up to 27 trillion yuan, the ultra-fat currency of nearly 43 trillion yuan.　　Whether the central bank's move to raise the benchmark interest rate on renminbi deposit and lending can effectively reduce excess liquidity, and whatever concrete intervention the central government may take to curb rising prices, it is an imminent problem for ordinary people to protect their hard-earned money. People save money to cope with inflation a general company with a monthly salary of about 5000 per month said to reporters: "In fact, there is no particularly good way, can only be placed in the bank, but there is shrinkage, put the stock market risk is also big, investment gold will be better, but the current gold is also at a high, Americans Torline printing money, we are even worse. "The accumulation of wealth is nothing but two ways: one is" open source ", the other is" throttling ". Although open source is the most direct way of wealth growth, but not overnight, by their own force can be achieved, the need for many objective factors.　　But throttling is the simplest and easiest way to do it. As a result, "hoarding" and "province" became the hottest marketplace topic of the moment. The mother of the community now gather together the topic is also where the dishes cheap, which supermarket and promotional activities: "I now buy vegetables as late as possible, to avoid rush hour, this will be cheaper, otherwise at the current price, January light eat on the need to spend 3,500 more." "Usually go outside to eat young people, but also gradually began to cook at home to eat, with their words:" Everything up, wages have not risen, need to use money too much place, can save province. "Besides eating, wearing and using is also the main aspect of" throttling ". A woman in the mall to buy underwear, Miss Li told reporters: "This weekend to the mall is to buy a down jacket, but, encounter underwear discount, although underwear is not needed at the moment, you can also buy it back, because the next time the price will be up, then found this set of underwear to buy value. "While hoarding can reduce prices to some extentThe impact of lattice rise, but the scope of this approach, the effect is limited, but also the most negative.　　This includes the current popular group buying, online shopping and the so-called "rent life" is a conservative way of coping.　　As is often said on the pitch, "the best defense is offense", in fact, the more active way to protect wealth is to achieve "open source." As one of the main means of "open source", it is still relatively easy to realize the risk of investment. Financial experts said: "The use of inflation-era capital markets with the expansion of the characteristics of cash as far as possible into physical assets, can share capital in the process of price gains, and even the opportunity to overcome inflation." With the improvement of investment channels, ordinary individual investors can participate in the commodity market through qdii, commodity index funds and other means.　　"But at the same time, inflation does not extend indefinitely, and when people are aware of the inflationary dividend, it is the end of the inflation dividend." In addition to commodities, the relative threshold of efficient investment routes, foreign investment in gold is also a choice to consider, and relatively easy to operate. A study by the World Gold Association shows that there is a certain correlation between the price of gold and the change in the circulation of money, which, when the U.S. money supply increases by 1% per cent, will lead to a 0.9% rise in gold prices. When America's second round of quantitative easing was introduced, the international gold price touched a 1400 dollar/ounce integer pass.　　Of course, there are many factors affecting the price of gold, and in the context of currency issuance, gold tends to be high, but as a special commodity, the function of gold to deal with inflation is worth the attention of investors. In addition, investment in the stock market is also a choice, although the risk is greater, but the stock market as a barometer of the economy, like water floating wood, there is a certain investment opportunities. However, it is more important to pay attention to the characteristics of the plate, choose a good performance and have a certain ability to resist inflation in the listed companies, you can relatively reduce the risk.　　such as the recent strengthening of agriculture, medicine sector is a typical example.　　Although in theory, real estate as a commodity has a certain ability to resist inflation, but because the current high housing prices in China, and the government has issued policies to squeeze the real estate market bubbles, coupled with bank tightening of the real estate enterprises, the capital chain has caused a certain degree of impact, so the property market is not very clear　　The most direct way to increase revenue "open source" is to increase income, whether it is wage increases or government subsidies for low-income groups, but the implementation of these measures is temporary and objective, not individual ability and willingness to decide. But in the long run, the investment in their own ability is also to better "open source" in the future. In particular, the renminbi has been in a state of appreciation against the dollar. At this time choose to study abroad, not only can increase their own value, but also a reasonable use of assets a way.