How do rich people use currency devaluation to make themselves richer?

Financial phenomena such as currency depreciation and inflation are inevitable in our life. After all, the economic system is quite perfect now. When the financial crisis occurs, it is dangerous for ordinary people, but it is an opportunity for the rich. Crisis is analyzed as "only in times of danger".

For ordinary people, currency depreciation may represent asset shrinkage, but for the rich, it may be an opportunity to create more wealth.

Currency devaluation refers to the decline in the value contained in or represented by unit currency, that is, the decline in the price of unit currency. Simply put, money is worthless. For a simple example, ten years ago, 100 yuan could buy a cow. Ten years later, 100 yuan could only buy a few catties of beef. The same 100 yuan was bought at different times, and fewer items were exchanged.

Currency depreciation can also be reflected in the exchange rate. For example, in the past, the US dollar was 1:6.7, but now the US dollar is 1:7, and now the same US dollar can be exchanged for more RMB, indicating that the RMB has depreciated.

Currency devaluation is generally divided into two reasons, one is active devaluation and the other is passive devaluation.

Active devaluation

Active devaluation is one of the means by which the government regulates the economy. By depressing the domestic currency, it is beneficial to export trade. After all, it is more cost-effective to buy your own goods abroad.

Passive devaluation

The principle of passive devaluation is similar. China's initiative to raise its own currency is conducive to import trade, leading to the passive devaluation of other countries' currencies.

In fact, currency depreciation is inevitable. We can only increase the value of assets and ensure that the original assets will not shrink. If you have 654.38+00,000 cash, which depreciates by 5% every year, according to the purchasing power after 654.38+00 years, you only have 598,700, which depreciates by 40%, which shows the importance of asset appreciation.

Ordinary people can slow down the rate of currency depreciation by purchasing wealth management products, but the ways and means are limited and it is difficult to completely resist. However, the rich can resist currency depreciation in different ways, increase their assets and even gain more and more wealth.

There are three ways for the rich to increase their assets, namely, increasing assets, hoarding and waiting for the price to be sold.

1. Add assets

When currency depreciation and inflation occur, it means that the future currency will be worthless. If you increase your debt now, your future debt will be less and less in disguise. Rich people will use their liquid assets to mortgage loans, and loan funds will increase their assets. As time goes on, assets will become more and more valuable and liabilities will become smaller and smaller.

hoard for speculation

This is easy to understand, that is, hoarding a large number of goods and waiting for high prices to be sold. When the currency depreciates, the purchasing power can be enhanced, because everyone wants to spend money, but the false demand of rising inflation is not sustainable, and the scale of hoarding goods should be controlled.

Step 3 wait for the price to sell

Before the currency depreciates, the domestic currency is exchanged for a relatively stable foreign currency, and after the currency depreciates, it is exchanged for the domestic currency, so that the price difference can be earned. Similarly, it can be placed in other investment markets. When the currency depreciates, it will affect a wide range of financial markets, and stocks, commodities and other markets can be shorted in advance.

If you want to make a profit when the currency depreciates, you need some financial knowledge and judgment. After all, events in the market are unpredictable. Personally, I suggest that when the currency depreciates, you should adopt a more conservative strategy and buy assets with relatively high value, such as real estate, gold and dollars. These are all safe-haven products on the market at present, and the market environment is unpredictable. Risk prediction and management in advance is the best protection for assets.

Hello, friends! Most people will suffer from currency devaluation and inflation! But there is, using currency depreciation to get rich!

Let's take a look at how to use currency devaluation to become richer:

1, odd number accumulation! Hoarding in advance, all kinds of physical objects, raw materials ...! As soon as the currency depreciates, wealth will roll in! For example, a world tycoon bought a lot of land to be developed, and the progress of the project was delayed for a long time, but with a smile on his face, … 10 years later, the land price increased five times …

2, borrow chickens to lay eggs! Some friends may say: how can I get rich by borrowing money with interest? In normal times, it is difficult. Before the arrival of inflation and currency devaluation, the more you borrow, the more you earn, and you can really get rich! For example, a large number of loans, the purchase of a large number of fixed assets, inflation, rising tide lifts all boats, the principal, interest, unchanged, assets quadrupled …

3, the threshold limit! There are many industries, which belong to franchising or high threshold restrictions. It is difficult for other capital to enter, and there is no competition ... Inflation is 5%, and prices are 50% ...

4. International asset flow! An example is that a foreigner spent $65,438+00,000 on a trip to another country. He changed 1:5 when he came. I changed the foreign exchange of 10: 1 when I left, and brought it back intact. ...

To sum up: currency depreciation has a great impact on existing wealth, and it is likely that years of savings will pass away like running water. For most people, it is a loss, but there are people who make money by using currency depreciation and become richer …

On the premise of inflation, the money of civilians will depreciate, and so will the money of the rich.

But what ordinary people do is to put their money in the bank, and it is no problem to do small business with their own money to support their families. But how do rich people do it?

In fact, it is very simple, that is, borrow more money.

Debt is the most direct way to resist currency depreciation. The currency is depreciating, but the loan will not go up again.

For a simple example, you borrowed 1W to hold a commodity. After a period of time, with the devaluation of the currency, the price of the commodity began to rise, for example, to1.1w. You only need to pay back 1W, which is one of them. And if you sell your goods at this time, you can earn an extra thousand dollars.

A boss once told me an example. He planted ginkgo trees and provided ginkgo trees to leading domestic housing enterprises, but it took a year to get the final payment. You have worked hard to plant trees for ten years, and he will crush you for another year.

What are the benefits for real estate developers? This year, one tree is worth 50 thousand, and ten trees are worth 500 thousand. I'll settle accounts with you next year, and the losses caused by currency depreciation will be borne by the boss himself.

Not only ginkgo trees, but everything in this development zone is borrowed, building materials, labor and so on. These all need money. Of course, the money developed by real estate developers is also borrowed. This money will certainly not be paid back immediately, nor will it be used to pay wages. It will be directly used as the cash flow of the group for investment.

The most direct way is to earn "spreads".

Before the currency depreciates, you borrow money from the bank, then buy dollars and deposit them in the bank. When currencies depreciate, you can exchange them for more money.

There is another "short".

Our general investment operation is to buy first and then sell after the appreciation. This is called "long". But those rich people do the opposite. They anticipate that a stock will fall in the future, sell it immediately, and wait until it falls to a certain level before buying it. They still hold so many shares, but their profits are meager.

However, this also has disadvantages. 198 The financial crisis was caused by Lissoros changing Thailand's fixed exchange rate to a floating exchange rate and shorting the Thai baht in large quantities, which led to the devaluation of the Thai baht.

These practices do not mean how much money the rich earn directly through currency depreciation.

But let "spare money" gather around you.

The rich never consider whether the currency will depreciate, because they will share the risk through more diversified investment forms, not only various entrepreneurial projects, but also real estate. Of course, the most long-term certainty is their investment in contacts and family education. This is the secret of their increase in wealth.

At 2 o'clock, keep cash flow and buy a good asset of cabbage price.

Cash flow is equivalent to food supply, and enterprises are equivalent to people. If someone tells you that a person will die if he lacks food supply, but someone tells you that this food will become much more if you put it aside, you will feel that he is sick and everyone is starving. What's the use of keeping food supplies?

Through a story, I understand that a passenger passed by a small town before. He walked into a hotel, gave the owner 500 yuan cash and chose a room. He went upstairs to have a look, and the shopkeeper used this 1 0,000 yuan to pay the butcher across the hall this month. The butcher went to the farmer's house to pay back the pig money, the farmer also paid back the feed money, the feed vendor also gambled on the debt, and the gambler quickly went to the hotel to pay back the room money. 1000 yuan was returned to the hotel owner, but at this time the tourists went downstairs and said that the room was not suitable, so they took the money and left. However, the debts of the whole town have been paid off! Did anyone lose money after reading this story? None of them lost money. Without this 1 000 yuan in cash, everyone will continue to collect debts, and the consequences will be unimaginable. However, the cash flow of 1 1,000 yuan brought by foreign tourists moved, and everyone's debts were solved. This is the capital flow that makes the economy and society rejuvenate!

Why do you say that? Because another word for the rich is capital.

Capital is profit-seeking, and once it has a proper profit, it will be bold. If there is a profit of 10%, it must be used everywhere; With a profit of 20%, it becomes active; With a profit of 50%, you will take risks; For the profit of 100%, it dares to trample on all human laws; With 300% profit, it dares to commit any crime, even risking being hanged.

So what can make money stably, or the price of cabbage, can capital not buy it?

One year after the American financial crisis in 2009, the whole Porsche engaged in the rich business was dying, while the Volkswagen engaged in the ordinary business completed the full coverage of the automobile product line through the acquisition of Porsche, with greater market share and sales profit. To put it bluntly, Volkswagen can make money for the rich and the poor by buying Porsche.

In the 20 18 financial report of Volkswagen Group, the group profit was1392 million euros, and Audi and Porsche accounted for more than 63.2% of the total profit, which shows how the rich became richer when devalued.

Currency devaluation is a common economic phenomenon. At all times, at home and abroad, there are few countries whose currencies do not depreciate gradually, but some depreciate quickly and some slowly. So each of us should pay attention to the problem of currency depreciation, because you can't avoid it.

Most ordinary families will choose to deposit in the bank when they have money, but historical experience tells us that deposit in the bank is no match for the devaluation of the currency. In the past, a Tang in Sichuan deposited it in 400 yuan on 1977, and it was 836 yuan on 20 10, which was a loss. Although banks now have large deposit certificates and wealth management products, the yield has increased a lot, but it still lags behind the social inflation level. Comparatively speaking, the more you save, the less you have.

Smart people will immediately think in the opposite direction. Since it is a loss to deposit their money in the bank, what will happen if we go to the bank to borrow money? If you can think of these, I will definitely give you a thumbs up, excellent! Stand out!

I have a former colleague at work, and she did the same. 1996, she just graduated from junior college and was assigned to work in a public institution. Her monthly salary is less than that of 500 yuan, and her personal deposit is 0. But she decided to buy a house. It doesn't matter if she has no money. She borrowed it from the bank. So she made a mortgage according to her income. The monthly repayment amount is about 500 yuan, and she borrowed tens of thousands of yuan from relatives and friends. All her usual salary is used for repayment, and the year-end bonus is given to her parents as food expenses. Perfect plan!

A few years later, when I entered the company, her monthly salary was already 1500 yuan, and it was no longer a terrible burden to pay back to 500 yuan every month, and the down payment I borrowed was also paid off. She is one of the few young people in the company who have bought their own house.

How did she become rich like a magician in this devaluation?

First, borrow money from the bank. Borrowing 10000 yuan today is astronomical, and 10 years later may only be your salary for one month.

The second is to buy value-added goods. In the past 20 years, the most valuable thing in China is real estate, which has further played a role in maintaining and increasing value against inflation.

The superposition of the two is the secret of getting rich by using currency depreciation. I don't think these are necessarily the exclusive fields of the rich, and ordinary people can seize the opportunity to give it a try.

Soros, a Jew and currency speculator, is famous for attacking the currencies of various countries: 1992, defeated the pound in one fell swoop and openly pocketed 10 billion dollars; 1994, Soros and his team joined forces with some big American companies to "bloodbath" Mexico, which set the whole Mexican economy back for five years.

In the 1990s, the fastest growing region in the world was Southeast Asia. At that time, the economic growth rate of Southeast Asian countries was even faster than that of developed countries in Europe and America. There is an argument that "Southeast Asia will become the new engine of the world economy" and that "2 1 century belongs to Southeast Asia".

On the one hand, due to the loose monetary policy of Southeast Asian countries at that time, the currency market in Southeast Asia was extremely liquid, resulting in too much money in the market; On the other hand, the way of continuing to rely on foreign capital to promote national economic growth is still very fragile in the process of rapid development, so once foreign capital is withdrawn, it will inevitably bring a devastating blow to the domestic economy. Soros, known as "Napoleon on Wall Street", naturally won't miss this once-in-a-lifetime opportunity.

1one morning in March, 997, Soros started pacing the room after drinking a cup of coffee as usual, and unconsciously walked to the place where the world map was hung in the living room. Soros involuntarily stopped and stared at the maps of several countries in Southeast Asia. Just as Soros stared at the map, the phone in the room rang and the attack officially began.

To put it simply, Soros's game is, assuming that the Thai baht is 1:25, Soros first borrows 25 billion baht from the Bank of Thailand in the form of mortgage, and then Soros changes this 25 billion into 1 billion dollars and holds it in his hand. Using his influence to manipulate the media for publicity, the arbitrage fund manager threw out the Thai baht crazily, and the Thai baht continued to fall. At this point, Soros can repay the loan as long as he takes out $500 million of the $654.38 billion, and the remaining $500 million flows into his pocket. The Governor of the National Bank of Thailand had no choice but to submit his resignation, and the Deputy Prime Minister and Minister of Finance was speechless. I don't know how to comfort the Thai people and have to retire.

After tossing Thailand badly, Ross extended his claws to Indonesia, the Philippines, Myanmar, Malaysia and other countries with deep economic ties with Thailand, and he also won many wars.

When Soros was busy attacking Southeast Asia, he did not forget Hong Kong. As a test, he attacked the Hong Kong market for the first time. As a result, as Soros expected, speculators began to throw Hong Kong dollars wildly as soon as the market showed signs of upswing, which led to a sharp drop in the exchange rate of Hong Kong dollars. When the Hong Kong dollar fell to 1 US dollar against HK$ 7.75, the financial market in Hong Kong was suddenly full of rumors and chaos. After several temptations, Soros decided to attack on a large scale and vowed to end Hong Kong in World War I. ..

Donald Tsang, then the Financial Secretary of the Hong Kong SAR Government, decided to fight with the hard-earned money of Hong Kong people. He knew in his heart that winning would be all right. In case they lose, it's light to say that they should resign and apologize with death, but there is no way out for them.

At this point, Soros publicly shouted in The Wall Street Journal: "The Hong Kong government will fail"!

Premier Zhu Rongji also said: "The central government will keep Hong Kong prosperous at all costs!"

There is no turning arrow before opening the bow. Everyone knows that there is no room for both sides to stop. By this time, two vice presidents of the People's Bank of China and the Bank of China had arrived in Hong Kong with HK$ 60 billion, ready for war.

The battle officially started, and the two sides came and went, and it became hot. Until the decisive battle came, almost no one fell asleep in Hong Kong that night. At this moment, many Hong Kong citizens no longer care about whether their property has shrunk, and they really share the same fate with Hong Kong.

At four o'clock in the afternoon, the Hang Seng Index finally stopped at 7829! After four thrilling hours, the trading volume of the whole day reached the highest record in the history of the Hong Kong stock market-HK$ 79 billion! This also means that Soros's general trend has gone, and the defeat has been set!

Bisrose is good, and it will experience ups and downs. There is no problem in continuing to realize wealth appreciation, and it makes sense to stop.

I think there are two ways for the rich to become rich:

1, there is such a story around me. A friend started with only 600,000 in his hand. He bought a house of 100 square meter in a good part of the city. The location of the house is ok. At first it was 6000 yuan per square meter. As a result, three years later, the house appreciated, reaching 14000 yuan per square meter. He directly used it as the price per square meter. He bought another house in other parts of the city, which is also 100 square meter, and it is also 6000 square meters, which is equivalent to earning 700,000 yuan on the first house. Two years later, the price of the second house rose, reaching 1.2 million yuan per square meter. He sold it for 1 1000 yuan, and bought a house in a remote place in the city, which was also 100 square meter, with a price of 5,000 yuan per square meter, which was equivalent to earning 500,000 yuan for the second house. Of course, some people will say that it is real estate speculation, but this friend always has only one stock room in his hand and did not buy a lot at once. I think this is a prudent investment. If the value of my favorite location increases, I will settle down. If not, I'll live by myself, which is good. I always actively invest after I find a value depression.

I specialize in buying famous brand enterprises in the stock market. Some friends I know spend most of their savings on blue-chip stocks that participate in the A-share market, such as Maotai or Gree. Over the years, the principal has increased a lot, which is also a safe way.

Currency devaluation usually leads to price increase. What was originally bought by 10 yuan is now 12 yuan.

In the case of currency devaluation, the rich mainly use loans and investments to make themselves richer.

First, the rational use of loans.

When it comes to loans, you think of interest. For example, mortgage loans have a term of 20 years and 30 years, and loan interest accounts for a large proportion of repayment.

Suppose the loan interest rate is 4.9% and the loan is 654.38+0 million, which will be paid off in 20 years through the matching of principal and interest. According to the mortgage calculator, the total repayment amount is 6.5438+0.57 million, of which 570,000 is interest, which is equivalent to half of the principal.

Seeing this, many people may gasp. So many people prefer to pay the house price in full. However, there is a lack of specific analysis from the perspective of development.

Rich people are different. Even if they can pay the full amount, even if they have to pay such a large proportion of interest, they still tend to borrow money.

Why? Because with inflation and currency depreciation, money is becoming less and less valuable, and the interest on signed loans will not change, reducing interest expenses in disguise.

Rich people like bank loans and use leverage to maximize their benefits.

Second, reasonable investment.

Rich people are more willing to invest their money in real estate, stock market and so on than in banks.

10 years ago, 10 million, one person bought a house in a first-and second-tier city, and one person deposited it in a bank. Up to now, the assets of buying a house have multiplied several times. Those who deposit in the bank have a little interest, but they can't keep up with inflation.

For us ordinary people, we can learn from the thinking of the rich and learn how to manage money and invest. Take financial investment seriously as a job.

At the same time, loans within our ability, of course, the money from loans should have a reasonable place to go, or be used to repay the mortgage, or have a better and more stable income.

This question is very interesting. Currency devaluation is not a good thing for ordinary people, but some people will get rich because of it. Why is this happening? How did they get rich?

For example, when there is a war, it is always accompanied by a sharp depreciation of the currency, but at this time there are always people making money. How do they make money? It is nothing more than hoarding food, medicine, ammunition and gold.

Although the devaluation of the currency is not all caused by the war, the reason is the same, but the devaluation is mild at ordinary times and not as obvious as in wartime.

If the currency depreciates, if you have money in your hand, how can you make your money not shrink, or even become richer?

Everyone thinks of gold first. Yes, gold does have anti-inflation function, but its main function is to preserve value. It is still difficult to realize wealth appreciation through gold. Just like stock trading, buying low and selling high is also called gold speculation. This is not what ordinary people can do.

Food, medicine and ammunition are useless in peacetime, and storage and transportation all cost money. Although they can resist inflation, they can't maintain and increase their value.

If inflation occurs in peacetime, the best way to maintain and increase the value is to invest in fixed assets, including real estate such as land and houses, as well as tools and resources that can be used for material production. This is the difference between peacetime and wartime. In peacetime, fixed assets are very safe and can create value, so they can not only preserve value, but also increase value.

Therefore, if you are a rich man, the best way to become richer in the case of currency depreciation is to buy a house, a factory and land. Throughout the history of the rich in modern times, they all made a fortune in this way. Li Ka-shing and Cao He all got rich in this way, and few people got rich by buying gold and trading stocks.

Every devaluation is a process of wealth redistribution. After the devaluation of the currency, the value of existing funds in hand decreases and the value of existing fixed assets increases. Because the rich often operate in debt, after the devaluation of the currency, the debt shrinks and the value of assets rises, which virtually plunders the value of existing funds.

So some people say, "inflation is the plunder of the poor by the rich." There is some truth in this sentence.

For whoever has it, give it to him so that he may be rich. However, if you don't, even what he owns will be taken away. "This is the famous Matthew effect.

Simply put, the poor are getting poorer and the rich are getting richer. Because the rich have more resources, it is easier to increase their wealth through various means. This is also an important reason why the total assets of the world's richest man are close to one trillion yuan. This is not as rich as an enemy, but as rich as a country.

Currency devaluation can also be said to be another manifestation of inflation, that is, money is becoming more and more "valuable", and the same money can buy fewer and fewer products. This is caused by excessive currency.

If the currency depreciates, the rich will get richer as long as they dare to invest. This is also one of the important reasons why the assets of the richest man in China have been rising like helicopters in the past 20 years.

200 1, the richest man in China is four brothers, Liu Yonghao and Sichuan, with a wealth of 8.3 billion RMB.

In 20 18, the richest man in China was Ma, worth 29 10 billion yuan. For more than a decade, the wealth gap between the two richest people has reached 35 times.

Because the rich have a lot of resources, in the period of currency depreciation, they can realize the return on assets through a large amount of investment.

For example, in the past 20 years, our country's currency has depreciated internally, but land prices and real estate prices have continued to rise, and a large number of real estate developers have become super rich; People who invest heavily in real estate have also become rich.

Give a simple example of real estate investment. Buying a house with a value of 1 10,000 only cost 200,000 down payment; 800,000 is a bank loan. After three or two years, the house price doubled; Or in a few years, the house price will be multiplied several times, worth millions. That is to say, if you invest 200 thousand, you can make a profit of one million.

If there are millions, tens of millions and hundreds of millions, you can buy one at a time. That's what Wenzhou real estate speculators did.

The poor have no mortgage and can't even afford the down payment. In this round of real estate feast, they have fallen behind. Then, with the rise of housing prices, the poor are getting poorer and the rich are getting richer.

Generally speaking, when a country's currency depreciates, it means that the currency is oversold, that is, the purchasing power of the currency declines. Compared with the international mainstream currency, there will also be a process of depreciation.

At this time, the rich with more funds can buy a lot of foreign exchange in advance through professional foreign exchange speculators when their currencies are strong. When the domestic currency reserve is large, repurchase will bring a larger capital premium. For those who have no money, there is obviously no one.

But for the rich in China, the RMB actually has a special process of "internal depreciation and external appreciation". This is due to China's special foreign exchange control.

In the past few decades, China's economy has made remarkable achievements, and its economic growth rate has been in the leading position in the world for a long time. However, before 2005, the RMB remained above 8.2: 1 for a long time. That is, 1 USD can be exchanged for 8.2 yuan RMB. This is not in line with the international purchasing power of RMB brought by China's sustained economic rise.

After the central bank began the exchange reform, in 2006, the exchange rate of RMB against the US dollar broke through the 8 yuan mark for the first time; In 2008, the exchange rate of RMB against the US dollar broke through the 7 yuan mark for the first time. But later, the RMB remained at around 6.4 against the US dollar for a long time.

However, while RMB is appreciating against major international currencies, RMB is depreciating at home. This is the phenomenon of "internal depreciation and external appreciation" formed by special reasons. At this time, as long as you hold RMB, you will earn it.

There is a joke. In 2004, a foreign investor worked in Beijing and then bought a small house for his girlfriend to live in. However, in 20 10, when he sold his house and returned to China with ready-made dollars, he not only earned all the money he spent on his girlfriend for six years, but also made his original investment return several times. Because when he bought a house, he made money in two aspects at the same time, one was the premium brought by the skyrocketing housing prices, and the other was the premium brought by the strong RMB exchange rate.

Make a fortune! This is the world of the rich.