通胀率是个人财富的无形杀手!
纵观这几年中国的通货膨胀率,真有点让人担心,如今大部门的个人理财通道或产物的收益率都广泛不高于4%,然而我们所看到的通胀率都在4%左右,以致更高,如果思量到我们国家在如房价等都不盘算表里,现实我们的通货膨胀远远高于4%,因此,通胀率是个人财产缩水所面对的一个可怕的“无形杀手”!!为此,笔者专门盘算在差异通胀率下,100万现金的缩水情况如下: 现金1,000,000 通胀率3%4%5%6%年份差异通涨率的N年后的现实代价如下:1(970,874)(961,538)(961,538)(943,396)2(942,596)(924,556)(924,556)(889,996)3(915,142)(888,996)(888,996)(839,619)4(888,487)(854,804)(854,804)(792,094)5(862,609)(821,927)(821,927)(747,258)6(837,484)(790,315)(790,315)(704,961)7(813,092)(759,918)(759,918)(665,057)8(789,409)(730,690)(730,690)(627,412)9(766,417)(702,587)(702,587)(591,898)10(744,094)(675,564)(675,564)(558,395)11(722,421)(649,581)(649,581)(526,788)12(701,380)(624,597)(624,597)(496,969)13(680,951)(600,574)(600,574)(468,839)14(661,118)(577,475)(577,475)(442,301)15(641,862)(555,265)(555,265)(417,265)16(623,167)(533,908)(533,908)(393,646)17(605,016)(513,373)(513,373)(371,364)18(587,395)(493,628)(493,628)(350,344)19(570,286)(474,642)(474,642)(330,513)20(553,676)(456,387)(456,387)(311,805)21(537,549)(438,834)(438,834)(294,155)22(521,893)(421,955)(421,955)(277,505)23(506,692)(405,726)(405,726)(261,797)24(491,934)(390,121)(390,121)(246,979)25(477,606)(375,117)(375,117)(232,999) 假设5%的通胀率,颠末约莫17年就缩水1/2,而6%,则缩水快要2/3,可怕啊!
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