Ten years later, how to buy a million purchasing power
If your money is a and your inflation rate is B. So after n years, the price of 1 yuan is: (1 + b) ^ n Note: ^ is the power)
after n years, the quantity you can buy is: A / [(1 + b) ^ n] Note: the formula is a divided by the price of the item after n years
and the quantity you can buy now is: A / 1 = a. Therefore, by dividing the above formula by the following formula, you can find that your purchasing power after n years is: 1 / [(1 + b) ^ n]
The decrease level of purchasing power is 1-1 / [(1 + b) ^ n]inflation is also closely related to the trend of the stock market. Generally, the market will show a certain rise in the early stage of inflation, but it is not concive to the long-term trend of the market in the long run
In short, inflation refers to the continuous rise of the overall price level in economic life. This definition has two meanings The first is the overall price level. This refers to the overall rise in the prices of consumer goods, raw procts and other tradable goods in the whole society. For example, when you go shopping today, you find that the prices have risen because of the poor harvest of apples, but the prices of other fruits and vegetables have not changed. This is not inflation. Inflation must be the rise of the overall price, which makes you feel that the money in your hand is worthless and you can buy less< br />The purchasing power of one million yuan is about 650000 yuan today. The decline of purchasing power is mainly caused by price inflation. Inflation is the biggest harm to cash purchasing power. The figure below shows the inflation rate of China in the last ten years. The annual average inflation is 3%, and the purchasing power of one million yuan is decreasing by 3% every year, which is plural, This arithmetic problem is relatively simple. Corresponding to the above remaining purchasing power, central banks around the world will release water in 2020 e to the epidemic, especially in the United States and Europe. Will the release of water in the United States and Europe have a great impact on China's prices? It's natural that the global economy is integrated. A lot of China's means of proction are imported from abroad, and the prices of final consumer goods will also show a conctive upward trend, which is often called imported inflation. It can be judged that there is a high probability that the inflation rate will be higher in the next 1-3 years
100 * (1 + 10%) ^ 10 = 25937424600
for example, if the principal is 50000 yuan, the interest rate or return on investment is 3%, and the investment period is 30 years, then the sum of principal and interest (final value) of the interest income obtained after 30 years is 50000 yuan according to the compound interest calculation formula × 1+3%^30
If the economy is good, people's living standards will continue to improve, but the inflation in the market is becoming more and more serious, and the purchasing power of the money in hand will decline. A dime a few decades ago can buy a lot of things. A dime a decade ago can buy spicy bars. Now a dime is only used in supermarkets, but still can't buy a plastic bag. Ten years ago, 100000 yuan may buy a good car, but how many things can 100000 yuan buy after 10 years? How much can 100000 yuan in 10 years be exchanged for the present? I think everyone will be interested in this topic
no matter what the market situation is, money will always depreciate in our hands, and you will obviously feel the devaluation of money in your life. One thing around the price, other things will rise, one to two, two to three of the price, has been like this, your money is still decreasing. Ten years later, 100000 yuan will still be 100000 yuan, but we can't buy the 100000 yuan we have now
there are 1 million, which can grow to 5 million in 10 years, but you have 1 million. If you don't buy a house, it will be about 2 million at most in 10 years. If you lose money in business, you may not have a cent. Buying stocks and funds is also possible. Although you don't pay for insurance, you can't make much money
even if the house falls, at least you still have a house to live in. The house you buy is not only used for living, but also a means of asset preservation. The main culprit of house price rise is quantitative easing monetary policy, that is, currency devaluation. The unbalanced development of the world economy leads to the slowdown of China's economic development. We all know that the country will continue to ease monetary policy in the future, that is, the devaluation of the currency. Whoever has money in his hand will shrink his money, and the house is the most important means to maintain the value
recently, I am buying a house. I find that I can't buy a house even if I have money. After all, I'm still slow. People who buy a house are crazy. Just like the college entrance examination in those years, thousands of troops scramble for a flat. Strong is not just a house, but the qualification of asset preservation. If you don't buy a house, you'll be cut off by the country's monetary policy
ordinary people are not financial experts, and they don't need to understand the principles. However, they see a fact that people who buy houses are getting richer and richer, and those who don't work hard become poor. Facts speak louder than words
in fact, buying a house is also an encouraging behavior of the government. The government promotes GDP growth through real estate to increase its own performance. At the same time, the talents brought by urban development attract dividends. People will buy houses in this city because of the rising price of houses, which brings wealth to the city and enough labor force. From the government's point of view, it is poverty alleviation
in many places, purchase restrictions are imposed in order to create a state of tension and make people feel that if I don't buy a house, I will lose money. As a result, in this atmosphere, people buy houses one after another. If you can't buy a cheap house, you can buy an expensive one. In a word, as long as you can buy it, no matter how much it costs, that's the current state
if you say that house prices will not rise without limit, I agree, because if they rise to a certain extent, they will collapse. Beijing Yanjiao is not collapsed, but the collapse of housing prices did not bring much loss to Yanjiao. The government took away the money, talent attracted, developers put in money, the rest is a group of hard-working mortgage slaves with loans. Everyone is happy
people are greedy. If you are a house slave, you can't even live in a house. We should follow the government in buying houses. To understand the meaning of the government, it's very easy for the government to press the house price. If the government doesn't press the house price, it's actually encouraging you to buy a house and draw a circle for you to jump in. At this time, you have to jump even if you don't jump, because your arm can't twist your thigh
this is just like the laid-off of state-owned enterprises in those years. If the government wants you to be laid off, you should be laid off quickly and seek your own career. As a result, those who sought their own career in the early days have made a fortune. It's the same with buying a house. If the government asks you to buy it, you can buy it quickly. The earlier you buy it, the richer you get. When the government forces you to be laid off in the end, there is often no way to get rich. Generally speaking, it's too late to buy a house now, but most people have no choice but to buy a house
to further deepen this logic, people who already own real estate should wait until the government needs to reverse the operation. For example, when people need to sell their houses, people with houses can cooperate with the government to sell their houses at the first time. We can make a big profit again. In a word, we can follow the government and enjoy the sunshine.
when the average CPI is 3.5%, 50 years later, the value is 168409, 1 million (1-3.5%) ^ 50 = 168409
when the average CPI is 3.5%, 50 years later, the value is 12988600, 1 million (1-4.0%) ^ 50 = 12988600.
it can only be said that each has its own advantages. Gold and real estate are value preserving. If you plan to buy gold, the income in ten years will not be as high as that of real estate, because now house is a necessity, but gold is not. No one will buy one million gold to invest in. You need to think about this, And ten years later, the price of gold can't be determined.