Kukwira kwemitengo (inflation) kunoreva kuwedzera kwakasimba kwemutengo wezvinhu zvese nemabasa muhupfumi nekufamba kwenguva. Zvinokonzera kudzikiswa kwesimba rekutenga mari - dhora nhasi richatenga pasi pedhora mangwana. Mabhanga epakati anoedza kudzikamisa inflation, uye kudzivirira deflation, kuitira kuti hupfumi hufambe zvakanaka.

Kune matanho akasiyana-siyana ekukwira kwemitengo, akadai seConsumer Price Index (CPI), Producer Price Index (PPI), uye Gross Domestic Product deflator (GDP deflator). Inflation inogona kuva nemigumisiro yakanaka uye yakaipa pahupfumi, uye zvakakosha kuti vanoita mitemo vatarise uye vadzore kukwira kwemitengo kuitira kuchengetedza kugadzikana kwehupfumi.

Chii chinonzi Inflation uye Inoshanda Sei?

Isu tatoziva kuti inflation chii, nekuti tese tiri kuzvinzwa mazuva ese. Inhamo yemari uye mupfungwa. Mari yedu haisvike kure uye hatigone kutenga yakawanda. Mitengo iri kukwira uye zvinoita sekunge hapana chinogona kumisa chitima chinotiza ichi.

Tsanangudzo yehupfumi yekukwira kwemitengo haina kujeka: Inflation kuwedzera kwakasimba kwemutengo wakajairika wezvinhu nesevhisi muhupfumi nekufamba kwenguva.

Inogona kuyerwa uchishandisa ma indexes akasiyana, akadai seConsumer Price Index (CPI), Producer Price Index (PPI), uye Gross Domestic Product deflator (GDP deflator).

Kukwira kwemitengo kunoitika kana paine kudiwa kwakanyanya kwezvinhu nesevhisi. Kuiswa zvakasiyana, kudiwa kwakakura pane kugovera, zvichiita kuti mitengo ikwire. Funga nezvayo sebharumu - sezvo mhepo yakawanda ichiwedzerwa, bharumu rinowedzera kukura uye kukosha kwayo kunowedzera.

Zvinokonzera Inflation

Ngatisvetukirei mazviri - Chii chinokonzera inflation?

Inflation inogona kukonzerwa nezvinhu zvakati kuti, zvakadai sekuda-kudhonza inflation, cost-push inflation, uye kukwira kwemari. Demand-pull inflation inoitika apo hupfumi huri kukura nekukurumidza uye paine kudiwa kukuru kwezvinhu nemasevhisi, zvichikonzera kukwira kwemitengo.

Cost-push inflation inoitika kana mutengo wekugadzira uchikwira, senge nekuda kwemitengo yakakwira yezvigadzirwa kana kuwedzera kwemuhoro. Kukwira kwemari kunoitika kana paine kuwedzera kwemari, zvichiita kuti mari yakawanda ichidzingirire huwandu hwakafanana hwezvinhu nemasevhisi, ichikwidza mitengo.

Mhedzisiro yeInflation pahupfumi

Inflation inogona kukanganisa zvakanyanya hupfumi. Inodzikisira simba rekutenga mari, saka dhora nhasi richatenga isingasviki dhora mangwana. Izvi zvinogona kutungamira mukudzikira kwemakwikwi, sezvo zvinhu zvemumba nemasevhisi zvichiwedzera kudhura zvichienzaniswa nekubva kune dzimwe nyika.

Inflation inogonawo kuunza kusagadzikana uye kuita kuti zvinyanye kuomera mabhizinesi kuronga ramangwana. Funga nezvazvo sekutamba mutambo wemacheya emimhanzi - sezvo mimhanzi ichimhanya, zvinova zvakaoma kuwana chigaro chekugara.

Kuchengetedza Mari Yako muInflationary Environment

Kuti uchengetedze mari yako mumamiriro ekukwira kwemitengo, zvakakosha kusiyanisa mari yako uye kuderedza chikwereti. Funga nezvekudyara muzvinhu zvisinganyanyi kukanganiswa nekukwira kwemitengo, senge real estate, commodities, uye masheya ane njodzi shoma.

Iwe unogona zvakare kufunga nezvekutenga inflation-yakachengetedzwa securities, yakadai seTreasury Inflation-Protected Securities (TIPS). Kuderedza chikwereti kunogona kukubatsira kuchengetedza simba rako rekutenga uye mamiriro ekunze zvinokonzerwa nekukwira kwemitengo.

Basa reMabhangi Epakati Mukugadzirisa Kukwira Kwemitengo

Mabhanga eCentral anoita basa rakakosha mukudzora inflation nekugadzirisa mari dzemhindu uye kutarisira mari yekubhadhara. Nekudzora kupihwa kwemari, mabhanga epakati anogona kubatsira kudzora kudiwa kwezvinhu nemasevhisi uye kudzivirira inflation kubva mukukwira kunze kwekutonga.

Kugadzirisa mhindu kunogonawo kubatsira kudzora inflation nekuita kuti kudhure kuti vanhu nemabhizinesi vakwerete mari, kuderedza kudiwa uye kubatsira kuchengetedza mitengo. Funga nezvemabhangi epakati sema umpires emutambo wehupfumi - vanobatsira kuchengetedza zvinhu zvose zvakanaka uye mukuenzanisa.

Mazano Anoshanda Pakubata Nekukwira Kwemitengo

Shandura Yakakwira APR Chikwereti Kadhi Zviyero: Kuti uderedze mari yako, funga kuendesa masara ekadhi rechikwereti eAPR akakwira kumakadhi ane 0% APR kwemwedzi mitanhatu-6. Izvi zvinogona kukubatsira kuchengetedza pamubereko uye kukupa imwe mari inoraswa kuti ugadzirise mhedzisiro yekukwira kwemitengo.
Isa mari muInflation-Protected Securities: Funga nezvekudyara mune inflation-protected securities, yakadai seTreasury Inflation-Protected Securities (TIPS), iyo inogona kubatsira kuchengetedza mari yako kubva kune zvinokonzerwa nekukwira kwemitengo.
Diversify Your Investments: Kusiyanisa mari yako mumhando dzakasiyana dzemidziyo, senge real estate, zvinhu, uye masheya, zvinogona kukubatsira kuchengetedza mari yako kubva mukukwira kwemitengo.
Dzivisa Kuchengeta Mari Pasi Pematiresi: Usachengete mari pazuva rekunaya pasi pemetiresi - inflation ichabvisa kukosha kwayo nekukurumidza. Pane kudaro, funga kuisa mari mune yakaderera-njodzi, yakaderera-inodzoka mota senge maakaundi ekuchengetedza, maCD, kana mari yemusika mari.
Dzivisa Zvinhu uye Masevhisi Zvakanyanya Kurohwa neInflation: Kuti ubatsire kuderedza kukanganiswa kweinflation, dzivisa zvinhu nemasevhisi ari kunyanya kurohwa nekukwira kwemitengo, senge. kutenga zveumbozha kuti iwe unogona kuita pasina.
Chengeta Basa Rako: Rega kuita zvinhu zvinogona kukushaisa basa munzvimbo ine mitengo iri kuramba ichikwira. Tarisa pakuvaka hunyanzvi hwako, kuvandudza mashandiro ako ebasa, uye kuzviita iwe wakakosha kune waunoshandira.
Deredza Chikwereti: Kuderedza chikwereti kunogona kukubatsira kuchengetedza simba rako rekutenga uye nemamiriro ekunze zvinokonzerwa nekukwira kwemitengo. Tarisa pakubhadhara chikwereti chakanyanya-mubereko kutanga, uye funga kubatanidza zvikwereti zvako kuti uderedze mubereko wako.
Shop Smart: Tora mukana wekutengesa uye kukwidziridzwa, uye funga kutenga zvakawanda kana mitengo yakaderera kuchengetedza mari nekufamba kwenguva.

Nekutevera matipi aya, unogona kubatsira kuchengetedza mari yako uye nemamiriro ekunze mhedzisiro yekukwira kwemitengo. Rangarira, kiyi ndeye kushingairira uye kutora kutonga kwemari yako, pane kungove munyajambwa wekukwira kwemitengo.