最近,发生了几件事情,让很多人担心手里的钱会越来越发毛:第一件是,由于国内猪肉价格上涨至30元以上,从而推高了11月CPI价格至%,通货膨胀离我们越来越近。第二件是,央行1月1日宣布降准,释放8000亿流动性,流动性增加,必然会导致货币购买力有逐步下跌之势。

Several recent events have led many to fear that their money will grow: first, inflation is getting closer to us as domestic pork prices rise above 30 yuan, pushing up the November CPI to%. The second is that the central bank announced a cut on january 1st, releasing 800 billion liquidity and increasing liquidity, which would inevitably lead to a gradual decline in the purchasing power of the currency.

所以,很多人关心的是,普通百姓如何让货币不贬值?实际上,现在理财投资市场也处于两难境地,收益率高一些投资品的风险较大,而收益率较低的,部分投资者又不满意。不过,从现在情况看来,投资者还是保持稳健性比较好一些,少碰一些P2P、信托等投资品,毕竟确保本金安全才是关键。其实,对于不同风险偏好的投资者,可选择自己想要的投资品来对抗货币贬值。

So, what many people care about is, how do ordinary people keep their currencies from falling? In fact, the financial investment market is also in a dilemma, some of the higher yields are more risky, and the lower yields, some investors are not satisfied. However, from the current situation, investors are better to remain sound, less touch some P2P, trust and other investment goods, after all, to ensure the security of the principal is the key. In fact, for investors with different risk preferences, choose the goods they want to fight against currency devaluation.

对于保守型投资者来説,只要基本跑赢通胀就可以了,这样可以选择民营银行的存款,收益率在%之间。同时,国有银行的大额存单,三年期收益率也在4%以上。除此之外,还可以投资结构性理财产品(通常与黄金、外汇挂钩),当然,投资者还可以购买国债,收益率也能达到4%以上。总之保守型投资者,追求投资的稳健性,把保本放在第一位。

For conservative investors, as long as the basic run over inflation is OK, so you can choose private bank deposits, the yield is between%. At the same time, state-owned banks have large certificates of deposit with a three-year yield of more than 4%. On top of that, you can invest in structured financial products (usually linked to gold and foreign exchange), and, of course, investors can buy treasury bonds and yield more than 4%. In short, conservative investors, the pursuit of investment stability, capital preservation in the first place.

再者,对于一些追求稳健的投资者,可以投资银行理财产品,一般收益率在4-5%完全有能力跑赢通胀。而且还可以购买一些股票型基金、货币基金,投资者的收益率以每天公布净值的情况反映。这类投资是通过专家理财来使财产保值增值。但是,投资者的风险一定要比保守型投资者要大一些。

Furthermore, for some prudent investors who can invest in banking products, the average yield is well positioned to beat inflation at 4-5%. You can also buy some equity funds, money funds, and investors'yields are reflected in their daily net worth. This kind of investment is to maintain and increase the value of property through expert financial management. But investors must be more risky than conservative investors.

最后,偏向邀进的投资者,可以购买相对安全的银行股,像四大银行这样的银行股,每年股息收益率在5%左右,也就是説,你啥股票不懂也没关系,只要银行股出现了连续大跌时,你就逢低购买银行股,并且长期持有。耐心等到下一轮牛市上涨行情到来。所以,持有银行股,既可以保证投资资金的相对安全,每年5%的股息率,一旦遇到牛市收益率有可能翻番。

Finally, investors who prefer to invite in can buy relatively safe bank stocks, such as the big four banks, with an annual dividend yield of around 5%, that is, it doesn't matter what stock you don't understand, and as long as there's a continuous drop in bank stocks, you'll be buying bank stocks and holding them for the long term. Be patient until the next round of bull market rally. Therefore, the holding of bank stocks, both to ensure the relative safety of investment funds, the annual dividend yield of 5%, once the bull market yield is likely to double.

在目前经济下行压力较大,普通百姓要想对抗通胀是比较困难的。如果你是保守型投资者,那就买点4%以上的理财产品。如果你是稳健型投资品,可以购买一些股票基金来博取高收益率。而如果你是偏向激进的投资者可以,直接参与股市,购买一些银行类股票,因为其风险小,还有股息回报率,如果遇到一轮牛市,那资产都可以翻番。所以,投资者可以根据自己不同的风险偏好,来做自己的投资。

The current downward pressure on the economy makes it harder for ordinary people to fight inflation. If you're a conservative investor, buy more than 4% of your financial products. If you're a solid investment, buy some equity funds to get high yields. And if you're a radical investor, you can be directly involved in the stock market, buy some bank stocks, because it's less risky, and have a dividend yield, and if you're in a bull market, the assets can double. Therefore, investors can make their own investments according to their different risk preferences.


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