Inflation siab. Nov yog dab tsi nyiaj pros hais kom ua txog qhov ntawd.
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Hnub Thursday, Lub Tsev Haujlwm Saib Xyuas Kev Ua Haujlwm tau tshaj tawm cov ntaub ntawv tshiab ntawm cov neeg siv khoom lag luam, uas tau qhia tias tus nqi ntawm Teb Chaws Asmeskas nyiaj nce ntxiv nyob rau lub Ib Hlis mus txog 7.5%, uas yog 40-xyoo siab. Qhov no qhia tau hais tias "kev nce siab ntawm cov neeg siv khoom lag luam tsis zoo li yuav txo qis ntau lub sijhawm sai sai," sau MarketWatch's Jeffrey Bartash ntawm cov ntaub ntawv. Tsis tas li ntawd, dab tsi hu ua tus nqi tseem ceeb - qhov Performance index no tshem tawm qee lub sij hawm-volatile arenas ntawm zaub mov thiab lub zog - tau nce 6% nyob rau lub Ib Hlis, piv rau ib xyoo dhau los. Tsis muaj qhov tsis ntseeg, cov xov xwm no muaj cov tub ua lag luam thiab cov neeg khaws nyiaj ntxhov siab txog yuav ua li cas nrog lawv cov nyiaj. Yog li peb tau nug cov kws tshaj lij tias cov neeg siv khoom yuav tsum xav li cas txog kev nqis peev thiab kev txuag hauv lub sijhawm nyiaj txiag siab no.
1. Ua lag luam ntse hauv koj qhov chaw ua haujlwm txhawb nqa nyiaj laus - thiab tus account brokerage
Kev nqis peev yog tus yuam sij rau kev ntaus nqi nyiaj txiag: Piv txwv li, qhov nruab nrab txhua xyoo rov qab los ntawm S&P 500 yog kwv yees li 10%, cov ntaub ntawv qhia. Tias yog vim li cas Stephen Carrigg, tus kws tshaj lij nyiaj txiag uas tau lees paub thiab tus kws pab tswv yim nyiaj txiag ntiag tug ntawm Integrated Partners, qhia txog kev nqis peev hauv koj lub tuam txhab cov nyiaj laus hauv chaw ua haujlwm, thiab "qhib tus account brokerage rau cov nyiaj khaws cia ntxiv uas koj tuaj yeem saib raws li koj cov nyiaj khaws cia nruab nrab mus ntev thiab coj kom zoo dua. ntawm kev sib xyaw, "hais Carrigg. Cov kws paub txog nyiaj txiag Suze Orman thiab Ramit Sethi kuj tau hais txog qhov tseem ceeb ntawm kev nqis peev los tuav nyiaj txiag.
Nws yog ib qho tseem ceeb kom ntseeg tau tias koj muaj ntau hom peev txheej, Carrigg ntxiv: Qhov no txhais tau hais tias ib qho uas tau tsim los ntawm ntau yam khoom muaj nqis xws li cov peev nyiaj thiab cov nyiaj qiv nyiaj kom koj raug rau ib hom khoom vaj khoom tsev raug txwv thaum muaj kev poob qis. Nyeem peb phau ntawv qhia MarketWatch Picks rau ntau haiv neeg ntawm no.
2. Xav txog TIPS
Treasury Inflation-Protected Securities (TIPS) yog tsoomfwv daim ntawv cog lus uas pab tiv thaiv koj ntawm kev nce nqi. "Tus thawj tswj hwm ntawm TIPS nce nrog kev nce nqi thiab txo qis nrog deflation, raws li ntsuas los ntawm tus nqi siv khoom lag luam," tsoomfwv piav qhia.
3. Ntsuas cov vaj tsev thiab cov khoom muag
Grace Yung, tus kws npaj nyiaj txiag muaj ntawv pov thawj ntawm Midtown Financial Group, qhia rau MarketWatch Picks tias "cov khoom muaj nqis xws li vaj tse lossis khoom muag kuj yog ib yam uas yuav tsum tau xav txog" thaum lub sijhawm muaj nyiaj txiag ntau. Raws li Morningstar tsis ntev los no tau sau tseg ntawm cov khoom muag pem hauv ntej, "Nyob rau xyoo 2021, cov roj av, roj, thiab cov khoom siv dav dav tau coj lub ntiaj teb cov khoom lag luam rov qab rau xyoo-rau-hnub, lub sijhawm uas muaj kev ntshai nyiaj txiag nce ntxiv." Thiab nyob rau hauv pem hauv ntej vaj tse, uas yog ib yam dab tsi Warren Buffett tau kuj espoused raws li ib txoj kev los daws kev nce nqi.
4. Xav txog cov khoom muaj nqis hauv cov neeg siv khoom staples arena
Snigdha Kumar, tus thawj coj ntawm cov khoom lag luam rau Digit, hais tias kev nqis peev hauv cov khoom xws li khoom noj thiab lub zog - uas ib txwm muaj kev xav tau siab - yog qhov kev xaiv ntse vim tias cov staples yog qhov tseem ceeb, thiab cov tuam txhab muag lawv muaj peev xwm ua tau cov nqi siab dua thaum caij nthwv dej. ntawm inflation.
5. Tshawb nrhiav kev ua haujlwm tau nyiaj seib iecs
Carrigg hais tias "Nrhiav kev ua haujlwm se hauv koj tus account brokerage uas yuav pab tiv thaiv kev nce nqi," Carrigg hais. Txhawm rau ua kom tau txais txiaj ntsig zoo tshaj plaws, kev nqis peev uas zoo li poob qis ntawm lawv cov nyiaj rov qab los rau cov se tau zoo dua rau cov nyiaj se se tau zoo thaum cov uas poob ntau ntawm lawv cov nyiaj rov qab los rau cov se yuav tsum raug xaiv hauv cov nyiaj se tau zoo. Qhov tseem ceeb, yog tias koj xav khaws koj cov nyiaj ntau dua, kev nqis peev se ua se yuav txo koj lub nra se, uas txhais tau tias koj them tsawg dua ntawm koj cov peev nyiaj tau los. Carrigg hais tias "Qhib Roth IRA thiab nce nws tawm vim tias cov nyiaj tsis muaj se yuav muaj txiaj ntsig zoo," Carrigg hais.
6. Saib cov tuam txhab uas tuaj yeem nce nqi tau yooj yim tsis ua mob rau lub lag luam
Warren Buffett tau ntev dhau los ua tus txhawb nqa ntawm kev nqis peev hauv kev lag luam nrog kev xav tau peev tsawg, tshwj xeeb tshaj yog thaum muaj kev nce nqi. Nrhiav cov tuam txhab uas muaj "muaj peev xwm nce nqi yooj yim," Buffett kuj tau sau ib zaug. Yog tias koj tuaj yeem nqis peev hauv ib lub tuam txhab uas muaj peev xwm nce lawv cov nqi yam tsis muaj kev poob nyiaj, Buffett txhawb kom ua li ntawd vim nws tsim cov txiaj ntsig.
7. Tsis txhob khaws nyiaj ntau dhau ntawm hand
"Yog tias koj yog ib tus neeg uas khaws nyiaj ntau ntawm cov kua dej ntawm tes tshaj qhov koj xav tau rau cov nyiaj kub ceev, ces koj yuav tsum xav txog kev nqis peev ntau dhau. Kev lag luam Tshuag tam sim no tsis tshua muaj, tab sis dhau lub sijhawm ntev ntev, qhov kev nqis peev no tuaj yeem khwv tau nyiaj ntau dua hauv kev lag luam Tshuag dua li nws xav tau hauv cov nyiaj khaws cia, "said Chanelle Bessette, tus kws tshaj lij hauv tuam txhab nyiaj ntawm NerdWallet.
8. Uas tau hais tias, tsis txhob tso tseg koj cov nyiaj khaws tseg
Cov nyiaj thaum muaj xwm txheej ceev yog qhov tseem ceeb: "Qhib cov nyiaj khaws cia thiab muab peb mus rau rau lub hlis ntawm cov nuj nqis nyob ntawd uas nyob hauv cov nyiaj ntsuab thiab tsuas yog thaum muaj xwm txheej ceev," Carrigg hais. Txawm hais tias feem ntau tus nqi ntawm cov nyiaj khaws cia qis qis, "nws zoo dua kom khwv tau qee qhov paj es tsis yog txhua qhov, yog li ntawd, cov neeg siv khoom yuav tsum tau saib xyuas cov txiaj ntsig zoo hauv online txuag nyiaj uas nyiam muab cov nqi siab dua. tshaj qhov nruab nrab ntawm kev lag luam, "hais tias Bessette.
Thiab koj kuj tseem xav tau nyiaj rau kev txuag lub sijhawm luv. "Xav txog daim ntawv pov thawj ntawm kev tso nyiaj (CD), tab sis tsis txhob caum cov txiaj ntsig los ntawm kev nqis peev hauv kev loj hlob uas ntev npaum li cas koj tuaj yeem nyob tsis muaj nyiaj. Tsis muaj cov txiaj ntsig txaus los ua pov thawj qhov kev nthuav dav thiab kev nplua nyiaj thaum ntxov ntau dua li siv qhov sib txawv, "hais tias Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate.
9. Nkag mus tob rau qhov koj siv, thiab koj yuav txuag tau li cas
Thaum kev nce nqi siab zoo li nws yog, koj feem ntau tau txais cov nqi siab dua txhua qhov chaw ntawm lub khw muag khoom mus rau lub twj tso kua mis. Yog li khaws tabs ntawm koj cov peev nyiaj thiab ua raws li kev npaj siv nyiaj kom taug qab koj cov nyiaj txhua hli. Yog tias koj siv nyiaj hauv cov chaw uas muaj kev lom zem tab sis tej zaum tsis yog qhov tseem ceeb, kev so lossis ncua hom kev siv nyiaj no tuaj yeem ua rau kev txuag nyiaj hauv qhov chaw npaj txhij txog.
10. Tsis txhob ntshai
Yog, kev nce nqi yog siab, tab sis yog tias koj tab tom nqis peev, txiav cov nqi uas koj tuaj yeem ua tau, thiab zam (yog tias ua tau) cov khoom lag luam nce siab, koj yog ib kauj ruam ua ntej ntawm ntau lwm tus.
Tau qhov twg los: https://www.marketwatch.com/picks/inflation-is-at-a-40-year-high-10-tips-from-the-pros-on-how-to-invest-and-save- thaum lub sij hawm-of-high-inflation-01644507163?siteid=yhoof2&yptr=yahoo