Inflation occurs basically every year. In the past 10 years, most people who bought houses not only outperformed inflation but also made a lot of money. Inflation will also occur in the next 10 years, but besides houses, there are other investment and financial management methods that can outperform inflation.
How much will 100 yuan be worth in 10 years? 1. Understand the currency devaluation in the past 10 years.
1. How much has the house price increased in the past ten years?
According to statistics, the average sales price of commercial housing nationwide in 2020 is 9,860 yuan, nearly double the 5,032 yuan in 2010. House prices in first-tier cities such as Beijing, Shanghai and Shenzhen have more than doubled.
The average price of second-hand houses in Shanghai at the beginning of 2011 was about 23,000, and the average price of second-hand houses at the beginning of 2021 was about 61,000, with an increase of about 165.6.
The average price of second-hand houses in Shenzhen at the beginning of 2011 was around 18,000, and the average price of second-hand houses at the beginning of 2021 was around 86,000, an astonishing increase of 377.8.
The average price of second-hand houses in Changsha at the beginning of 2011 was around 6,100, and the average price of second-hand houses at the beginning of 2021 was around 11,200, with a small increase of about 83.6.
The average price of second-hand houses in Chengdu at the beginning of 2011 was around 8,300, and the average price of second-hand houses at the beginning of 2021 was around 17,900, with a medium increase of around 115.7.
It can be seen from the housing prices that most cities have increased by about 1.2 times in the past ten years. If housing prices are used as a reference, then 100 yuan 10 years ago is equivalent to 220 yuan now.
2. How much has the average salary increased in most cities in the past ten years?
In 2010, the average salary of ordinary workers in Guangzhou, Guangdong, was around 3,000. In 2020, the average salary of ordinary workers in Guangzhou factories was around 5,380, an increase of around 80%.
In the past ten years, the wages of urban employees in Jiangsu Province have increased significantly. In 2010, the average annual salary of employees in non-private units in Jiangsu cities and towns was about 38,000 yuan. In 2012, it exceeded 50,000 yuan. In 2018, it exceeded 50,000 yuan. It was close to 85,000 yuan in 2020. In 2020, the increase continued unabated, reaching 98,000 yuan, which was about 2.58 times that of 2010, an increase of about 158%.
In 2010, the average annual salary of Chengdu employees was around 30,500. In 2020, the average annual salary of Chengdu employees was around 65,000, an increase of around 113.
Based on the comprehensive data, I found that the salary growth of most people in the past ten years has been around 90. If salary is used as a reference, then 100 yuan 10 years ago is equivalent to 190 yuan now.
3. How much have pork and eggs increased in the past ten years?
In 2010, the average price of lean pork was about 15 yuan per catty. In 2020, the average price of lean pork was about 30 yuan per catty (it is much cheaper now), an increase of about 100. If pork is used as a reference Based on this, 100 yuan 10 years ago is equivalent to 200 yuan now.
The average price of eggs in 2010 was about 2.2 yuan per pound, and the average price in 2020 was about 4.0 yuan, an increase of about 82%. If eggs are used as a reference, then 100 yuan 10 years ago is equivalent to 182 yuan now.
4. How much has GDP increased in the past ten years?
In 2010, my country’s total GDP was approximately 40,150 billion yuan, and in 2020, my country’s total GDP was 10,1598.6 billion yuan. It is equivalent to about 2.53 times ten years ago, an increase of about 153%. If housing GDP is used as a reference, then 100 yuan 10 years ago is equivalent to 253 yuan now.
5. How much has the CPI increased in the past ten years?
CPI is a very important indicator reflecting the price increase and an important index to measure the level of inflation.
2010CPI rose 3.18; 2011CPI rose 5.55; 2012CPI rose 2.62; 2013CPI rose 2.62; 2014CPI rose 1.92; 2015CPI rose 1.44; 2016CPI rose 2.0; 2017CPI rose 1.59; 2018CPI rose 2.07; 2019CPI I increased by 2.9. In the past ten years, the CPI has increased by about 29 yuan. If the CPI is used as a reference, then 100 yuan 10 years ago is equivalent to 129 yuan now. Second, predict how much 100 yuan will be worth in 10 years?
1. Based on various price increases and investment returns in the previous 10 years, most price increases in the past ten years have been around 100, so 100 is used as the calculation data.
2. Because economic growth in the next ten years will be different from that in the past ten years, the amount of currency depreciation will also be different. From 2011 to 2020, my country's GDP growth rate is between 6 and 11. The average annual growth rate is around 7.6. Generally speaking, the greater the GDP growth rate, the greater the inflation and the higher the CPI. In the next 10 years, China will experience high-quality growth, with an average GDP growth forecast of around 5.5.
3. It is predicted that the average GDP growth rate in the next 10 years will only be 72% of the average GDP growth rate in the past ten years, so the price increase will only be 72% of 100, which is 72%. So 100 yuan now will be worth 172 yuan in 10 years. 3. How to invest and manage money to prevent money from depreciating?
1. 100 yuan needs to be 172 yuan or more in 10 years to keep the money from depreciating. It will increase by 72 yuan in 10 years, and the average annual income must be above 5.58.
2. Traditional risk-free or low-risk investment returns.
①. If you deposit in a bank on a regular basis, the annual interest rate for three years will be around 3.75, which cannot beat inflation. If it is a large certificate of deposit, the interest rate can be as high as about 4.2, which cannot beat inflation.
②. Buy treasury bonds. There are three types of treasury bonds: 1. Accounting treasury bonds; 2. Certificate treasury bonds; 3. Electronic treasury bonds. Generally, you buy book-entry treasury bonds. Book-entry treasury bonds are treasury bonds that can be traded in the market. Although the yield of the treasury bonds remains unchanged, the value of the treasury bonds is changing. The average annual yield of three-year and five-year government bonds is between 3.5 and 4.3, which cannot beat inflation.
③. Buy a currency fund. A currency fund is an open-end fund that gathers idle funds from society and is operated by a fund manager, while the fund custodian keeps the funds. Most of the financial products in many large Internet companies are connected to currency funds. Of course, banks and securities accounts can also buy currency funds. At present, the annual income of monetary funds is generally between 3 and 4.5, which cannot beat inflation.
④. Buy a pension target fund. A pension target fund refers to an innovative public fund. It aims to pursue the long-term stable appreciation of pension assets, encourages investors to hold them for a long time, and adopts mature methods. Asset allocation strategies to reasonably control portfolio fluctuation risks. Generally, the annual income of pension target funds is between 3 and 4, which cannot beat inflation.
3. How to beat inflation and prevent funds from devaluing?
① Those with good projects can do business. Although most businesses are not easy to do, if you have money and connections, you can dig out some profitable projects. Generally speaking, it takes three to five years for a business to recover its capital, followed by net profits, with the average annual income being more than 20%.
②. Buy a house. However, you cannot make money by buying a house in any city like before. You need to study which cities have normal housing prices and which cities will continue to increase their population in the future. General personnel In cities where inflows are increasing and house prices are currently normal, house prices will continue to rise.
③. Buy gold. If you wait for gold to fall back to a reasonable price and buy it in the long term, you can just outperform inflation. If you have some skills in finance, economics, technical analysis, etc., you can make price differences, and it will be easy to basically outperform inflation. Of course, don't do short-term speculation, it's okay to do swing trading.
④. Buying large blue chip stocks also requires financial knowledge and technical analysis capabilities. You need to buy a few diversified stocks after the large blue chip stocks have adjusted back to a reasonable valuation. Generally, blue chip stocks have a cycle of three to five years.
It is a cycle of rising, sideways, correction, and rest. Buy when it rests after the correction, and buy a few scattered. If a cycle is completed within five years, several stocks can earn more than 50, with a five-year return of 50, and the average annual compound interest return is 8.5, which has outperformed inflation.
Buy undervalued blue chip stocks, such as those large blue chip stocks with a price-to-book ratio of less than 0.6 and a price-to-earnings ratio of less than 10. For example, several undervalued bank stocks have an average annual dividend of between 5 and 8, which can outperform inflation, but it is a bit risky, but the risk is very small.