Voyager 8 countermeasures-safety measures: 1. Food. (including processed products, wine, ham and other storable items) 2. Gold (not necessarily appreciating, but depreciating more slowly than currency) 3. Real estate (investment farm, best choice, bumper harvest every year) dangerous measures 1. Mortgage to buy a house (when the property market bubble bursts, the principal will be eliminated first) 2. Blindly expanding loans (leading to the exhaustion of cash flow and bank debt collection) 3. High consumption (buying high-end cars, etc. Without a sense of crisis, there is no way out when difficulties come. Low-grade jewelry and cultural relics (rapid depreciation, especially decorative) are depressed. Countermeasures-economic recession, the stock market bears the brunt, so the stock must not stay; In order to stimulate the economy, countries generally lower interest rates, and the prices of fixed-income products (fixed-interest bonds) generally rise, with relatively high yields. You can consider buying government bonds or fixed-rate bonds with high credit rating; It is best for bank deposits and cash to be convertible into foreign exchange or precious metals with stable currency; Store some necessities and don't buy luxury goods, because the recession is uncertain; Jewelry and antiques have a certain value-preserving function, but their values are often overestimated during the economic boom, so it is not recommended to keep them; If you are a civil servant, congratulations, the impact is much smaller, and the government will not use civil servants as a knife unless it is forced; If you are a company employee, be careful, you may be hit hard; If you own a shop or company, it's not good either. Might as well get rid of it as soon as possible. In order to stimulate the economy, the state will generally lower interest rates, and the mortgage interest rate will also drop, but the income of mortgage payers may drop even more. Therefore, unless the income can be guaranteed to be stable, the mortgage repayment will become a disaster. Titanic Countermeasures-If there is inflation: holding a handful of RMB in your hand is definitely wrong. 1, it's definitely right to buy gold, but you must keep it safe and be careful not to be stolen or robbed. It is also right to buy dollars or other strong currencies, but it must be deposited in a reputable bank. 3, buying a real estate is definitely no problem. Of course, there are many differences on this point. Some people think that during the period of inflation, rents can't keep up with the rate of currency depreciation. In that case, it is wrong to buy gold! Because gold can't even generate a penny of rent! There is also a view that banks will desperately raise interest rates in order to lift the crisis. Until the lender can't stand it. How can I put it? Since it's inflation, it must be that the government doesn't want banks to close down and the money to be distributed over a large scale. That is, the central bank has a lot of money at once. The money owed by banks to depositors is basically nothing, almost written off. What kind of money does the bank need? It is the depositors who really suffer! The loan has a contract, even if the interest rate is to be changed, it will be changed every year! How can we keep up with the inflation rate? In the early days when inflation was serious in Germany (1920s), you could buy a shoe store today, but for a while you couldn't even buy a shoelace. Many speculators get rich by constantly borrowing from banks, then the loans go up in smoke, then the loans go up in smoke ... and then they continue to occupy real estate. If, as some friends say, the bank won't let people pay off their loans in one lump sum, then why don't I save money? I owe 500,000 yuan, and I saved 6,543.8+0,000 yuan. Isn't that enough? What's the difference between deposit interest rate and loan interest rate? The depositors' money went up in smoke, and the banks took advantage of it. What else does it want to do? Therefore, this logic is wrong. In recent years, homeowners in Hong Kong have had a hard time. But the reason is not inflation, but unemployment and deflation. The house bought by 4 million yuan is only worth 6.5438+0 million yuan, but the loan has to be repaid. Because of this pain. 1, gold; 2. Strong foreign currency; 3. Real estate; 4. In kind. If you keep these things, you can keep the hard-earned banknotes today.