通涨是个人财富的无形杀手

来源:百度文库 编辑:神马文学网 时间:2024/04/26 02:06:07
通胀来袭,CPI高企,而通货膨胀是造成个人财富缩水的“无形杀手”!
我们专门计算了在不同通胀率下,100万现金在N年后的缩水情况:
现金 1,000,000  1,000,000  1,000,000  1,000,000
通胀率 3% 4% 5% 6%
年份 不同通涨率的N年后的实际价值如下:
1 (970,874) (961,538) (961,538) (943,396)
2 (942,596) (924,556) (924,556) (889,996)
3 (915,142) (888,996) (888,996) (839,619)
4 (888,487) (854,804) (854,804) (792,094)
5 (862,609) (821,927) (821,927) (747,258)
6 (837,484) (790,315) (790,315) (704,961)
7 (813,092) (759,918) (759,918) (665,057)
8 (789,409) (730,690) (730,690) (627,412)
9 (766,417) (702,587) (702,587) (591,898)
10 (744,094) (675,564) (675,564) (558,395)
11 (722,421) (649,581) (649,581) (526,788)
12 (701,380) (624,597) (624,597) (496,969)
13 (680,951) (600,574) (600,574) (468,839)
14 (661,118) (577,475) (577,475) (442,301)
15 (641,862) (555,265) (555,265) (417,265)
16 (623,167) (533,908) (533,908) (393,646)
17 (605,016) (513,373) (513,373) (371,364)
18 (587,395) (493,628) (493,628) (350,344)
19 (570,286) (474,642) (474,642) (330,513)
20 (553,676) (456,387) (456,387) (311,805)
21 (537,549) (438,834) (438,834) (294,155)
22 (521,893) (421,955) (421,955) (277,505)
23 (506,692) (405,726) (405,726) (261,797)
24 (491,934) (390,121) (390,121) (246,979)
25 (477,606) (375,117) (375,117) (232,999)
比如,5%的通胀率,经过大约17年就缩水1/2,而6%,则缩水将近2/3,恐怖啊!