通货膨胀 & 你的钱
"If the current annual inflation rate is 3 percent, why do my bills seem like they're 10 percent higher than last year?"1
我们很多人都会问自己这个问题, and it illustrates the importance of understanding how inflation is reported and how it can affect investments.
什么是通货膨胀?
通货膨胀 is defined as an upward movement in the average level of prices. 每个月, the Bureau of Labor Statistics releases a report called the Consumer Price Index (CPI) to track these fluctuations. It was developed from detailed expenditure information provided by families and individuals on purchases made in the following categories: food and beverages, 住房, 服装, 运输, 医疗保健, 娱乐, 教育与交流, 以及其他团体和服务.2
CPI有多适用?
While it;s the commonly used indicator of inflation, the CPI has come under scrutiny. 例如，CPI上涨了7.9 percent for the 12 months ending in February 2022. However, a closer look at the report shows movement in prices on a more detailed level. 例如，能源价格上涨了25%.在那12个月里增长了6%.1
通货膨胀会影响AG捕鱼王新版app下载吗?
他们确实是. As inflation rises and falls, three notable effects are observed.
First, inflation reduces the real rate of return on investments. So, if an investment earned 6 percent for a 12-month period and inflation averaged 1.5% over that time, the investment's real rate of return would have been 4.5%. If taxes are considered, the real rate of return may be reduced even further.3
第二，通货膨胀使购买力处于危险之中. When prices rise, a fixed amount of money has the power to purchase fewer and fewer goods.
Third, inflation can influence the actions of the Federal Reserve. 如果美联储想要控制通货膨胀, it has various methods for reducing the amount of money in circulation. 假设, a smaller supply of money would lead to less spending, which may lead to lower prices and lower inflation.
与值得信赖的专业人士合作
When inflation is low, it's easy to overlook how rising prices are affecting a household budget. 另一方面, 当通货膨胀高时, it may be tempting to make more sweeping changes in response to increasing prices. The best approach may be to reach out to your financial professional to help you develop a sound investment strategy that takes both possible scenarios into account.
1. US通货膨胀Calculator.com, 2023. 截至2023年6月
2. 美国劳工统计局.政府,2023
3. This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Past performance does not guarantee future results.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG套房不隶属于命名 broker-dealer, 国家或证券交易委员会注册的AG捕鱼王新版app下载咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
