Tell a joke about the ancestral snail .
When the cute master was six or seven years old, her cute father and mother were very insurance-conscious and bought her an insurance.
The premium of 360 yuan a year was a huge amount of money in the early 90s when the average monthly salary per capita was only more than 200 yuan.
At that time, the cute owner was still excited for a long time, and felt that he had assets, and he could rely on insurance for his future life.
Everyone should have guessed the ending.
As long as there is no danger, the cute owner can receive a huge sum of 55 yuan per month after the age of 55.
The insurance that my cute parents bought for a few months was thrifty, but now I can't even buy 2 catties of meat, let alone think about the purchasing power after more than 20 years.
The main culprit of all this is inflation .
In view of the fact that many friends are struggling with the impact of inflation when they apply for insurance, today we will break it down, does inflation have an impact on our insurance?Can buying insurance beat inflation?
First of all, let's be clear about what inflation is
If you want to talk about inflation, you have to review the politics class in high school:
Under the condition of money circulation, because the money supply is greater than the actual demand for goods, that is, the actual purchasing power is greater than the output supply, resulting in the depreciation of the currency, which causes the phenomenon of continuous and widespread price for a period of time. 」
It's a mouthful, isn't it?Translate ** words is,Money is not worth much, and there are fewer and fewer things that can be bought for the same money.
For example, 20 years ago, 100 yuan could buy 30 catties of eggs, but now you can only buy 10 catties, which is called inflation.
If inflation is too severe, it is not a good performance, for example, in Venezuela in 2018, the inflation rate was 65,000%, millionaires became poor in seconds, and a million annual salaries could not afford to buy a pound of meat.
However, inflation is not a beast, and many economists believe that moderate and benign inflation is beneficial to economic development. After all, neither people nor the economy can stand still, right?
As previously analyzed, we have now entered a long-term era of low inflation, with inflation remaining between 2% and 3%, which belongs to the benign inflation mentioned above.
Does inflation have an impact on our insurance?
Inflation has an impact on my ability to buy pork, not to mention insurance.
At an inflation rate of 3%, the purchasing power of 500,000 yuan in 30 years is equivalent to 20 now60 thousand.
Not to mention the progress of medical technology, whether to use various sky-high special drugs for treatment in the future, anyway, the early 200,000s are likely to be insufficient.
However, there is no need to worry about inflation and give up insurance.
After all, whether you buy insurance or not, inflation is there, and there is no need to choke on food and let yourself and your family run naked in the risk.
Moreover, even if inflation is bullish, insurance is still in a small and broad leverage.
When it comes to insurance pricing, the actuarial gods have indirectly considered the impact of inflation through predetermined interest rates.
For example, now we can buy 500,000 insurance for 5,000 yuan, which is given by the insurance company because the insurance company has calculated inflation and investment income.
If the inflation rate is 0 or even negative (that is, deflationary) in the future, money is more valuable, and 500,000 insurance may get 6,000 yuan, or even higher.
In addition, not only is the sum insured affected by inflation, but so are the premiums.
If you buy an insurance and pay it in 30 years, can the current 5,000 yuan be the same as the 5,000 yuan in 30 years?
So,Inflation has an impact on our insurance, but we won't lose it anyway.
So can buying savings insurance protect against inflation?
The previous environment may not be able to win, but the current environment is likely to be possible.
With the further decline in the birth rate and the acceleration of the aging society, the elderly with a higher proportion of the population tend to be conservative in consumption and do not invest, so there will be less money circulating in the market, and inflation will naturally slow down.
Moderate inflation of 2-3% is compromised by 25%, as long as the annual return on investment exceeds 25% wins.
So you say that the long-term IRR of savings insurance is maintained at 3% or even close to 4%, can it outperform?
Moreover, it is even more unlikely that you will outperform inflation without saving insurance.
Let's not talk about the fact that I accidentally spent some money on hand, and in the end it was empty.
Just looking at the A-shares that have returned after 16 years are still 3,000 points (it can be seen that the resentment is very deep), the deposit interest rate has dropped to below 2%, one zero growth, one 2%, no matter how you run, you will lose.
On the contrary, look at the savings insurance, once the **, you can't get out of the car,Not only can you achieve financial self-discipline, there is no chance of spending money indiscriminately,It can also lock in good earnings for a long time, will not be affected by the big environment, will not last like the deposit rate**.
Write at the end
Let's be honest, inflation is there all the time, and it doesn't go away because of what you do or don't do.
Whether it is health insurance or savings insurance, it can resist and slow down the rate of wealth erosion by inflation to a certain extentAs for whether to buy or not to buy, it all depends on the attitude of different people towards risk.
If you want to have fun in time, it's not impossible, but the three mountains of medical care, education, and pension are waiting for you in the future, all of which are rigid and large expenditures, and you can't escape.
As long as you don't spend money indiscriminately and invest blindly, you can basically resist inflation for ten or eight years.
If you borrow the right tools at this time, you can keep the basic plate with your hands, so why not?
I'm a snail-kun, so you can buy the right insurance and spend less money.
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If you have any questions about insurance, you can send me a private message now to give you practical advice one-on-one to help you buy the right insurance without stepping on the pitfall.