Inflation

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

To see it happening, think about what you could buy with £1 over the past few decades.

Inflation reduces the value of cash

In 1983, £1 would buy nearly two pints of beer costing 67p each. (Source: Hansard 1993)

In 2018 my £1 buys less than one quarter of a pint (I’d have to pay £4.44 if I want a whole one!) (Source Good Pub Guide Website 6 Sept 2018)

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of £1,000 over various points

Period	2%	4%	7%
5 years	£906	£822	£713
10 years	£820	£676	£508
15 years	£743	£555	£362
20 years	£673	£456	£258
25 years	£610	£375	£184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The content of this article does not constitute individual financial advice.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

To see it happening, think about what you could buy with €1 over the past few decades.

Inflation reduces the value of cash

In 1980, €1 would buy nearly two pints of beer costing 65 cent each.

In 2019 my €1 buys less approx. one fifth of a pint (I’d have to pay €5 if I want a whole one!)

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of €1,000 over various points

Period	2%	4%	7%
5 years	€906	€822	€713
10 years	€820	€676	€508
15 years	€743	€555	€362
20 years	€673	€456	€258
25 years	€610	€375	€184

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Is Your Money Keeping up with Inflation?

Have you ever truly considered the impact of inflation on your savings? Or how much would one dollar now be worth in 20 years’ time? Inflation is the rise in the price of goods and services in an economy over a period of time.

The rate of inflation is important. It represents the rate at which the real value of your money is eroded and the loss in spending or purchasing power over time. Inflation also serves as a guide in exactly how much of a return your investments need to make for them to maintain their standard of living and minimize the impact of inflation.

If inflation is not carefully considered and then managed properly, its impact has the potential to undo much of the good groundwork you have laid when accumulating your savings. If the price of goods and services rises faster than your income and your savings, both your purchasing power and your standard of living will fall.

No one can exactly predict where inflation will be in the future and for those who are globally mobile there is the added complexity as to where we may retire and what the impact of inflation is likely to be. One way to offset the impact of inflation is to direct some of your money in growth assets such as shares and property. These assets tend to grow in line with the general rise in prices as well as are likely to deliver greater returns over the medium and long term, so the value of your money will likely outpace inflation. They are a good hedge against inflation!

From an investment point of view, the ‘real’, after-inflation return is the most important because this figure determines what your money will eventually buy. There are two categories of interest rates when it comes to measuring the return on your investments; nominal interest rates and real interest rates. The nominal interest rate is the growth rate of your money, while the real interest rate is the growth of your purchasing power. Your real rate of interest (or return) is the nominal rate reduced by the rate of inflation.

Make sure when you’re planning for the medium to long term and considering your savings and where to invest, inflation is front of mind.

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Have you ever truly considered the impact of inflation on your savings? Or how much would one dollar now be worth in 20 years’ time? Inflation is the rise in the price of goods and services over a period of time.

The rate of inflation is important. It represents the rate at which the real value of your money is eroded and the loss in spending or purchasing power over time. Inflation also serves as a guide in exactly how much of a return your investments need to make . The return over inflation is your “profit”.

If inflation is not carefully considered and managed properly, its impact has the potential to undo much of the good groundwork you have laid when accumulating your savings. If the price of goods and services rises faster than your income and your savings, both your purchasing power and your standard of living will fall.

No one can exactly predict where inflation will be in the future and for those who are globally mobile there is the added complexity as to where you may retire and what the impact of inflation is likely to be. One way to offset the impact of inflation is to direct some of your money into growth assets such as shares and property. These assets tend to grow in line with the general rise in prices and are likely to deliver greater returns over the medium and long term, so the value of your money will likely outpace inflation. They are a good hedge against inflation!

From an investment point of view, the ‘real’, after-inflation return is the most important because this figure determines what your money will eventually buy. There are two categories of interest rates when it comes to measuring the return on your investments; nominal interest rates and real interest rates. The nominal interest rate is the growth rate of your money, while the real interest rate is the growth of your purchasing power. Your real rate of interest (or return) is the nominal rate reduced by the rate of inflation.

Make sure when you’re planning for the medium to long term and considering your savings and where to invest, inflation is front of mind.

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

Is Your Money Keeping up with Inflation?

Have you ever truly considered the impact of inflation on your savings? Or how much would one hundred pesos be worth in 20 years’ time? Can it still buy you a 1-piece fried chicken by then? Will your 20 pesos still be enough for your daily jeepney fare? Can you still watch a movie with 250 pesos? Inflation is the rise in the price of goods and services in an economy over a period of time.

The rate of inflation is important. It represents the rate at which the real value of your money is eroded and the loss in spending or purchasing power over time. Simply put, it is the rate at which your money is able to buy less and less of the same goods as time goes by. Inflation also serves as a guide in exactly how much of a return your investments need to make for them to maintain their standard of living and minimize the impact of inflation.

If inflation is not carefully considered and then managed properly, its impact has the potential to undo much of the good groundwork you have laid when accumulating your savings. If the price of goods and services rises faster than your income and your savings, both your purchasing power and your standard of living will fall. If annual inflation is higher than your annual salary increases, then you are technically getting a salary decrease.

No one can exactly predict where inflation will be in the future and for those who are globally mobile there is the added complexity as to where we may retire and what the impact of inflation is likely to be. One way to offset the impact of inflation is to direct some of your money in growth assets such as shares and property. Compared to fixed asset investments, these are considered as growth assets. They tend to grow in line with the general rise in prices as well as are likely to deliver greater returns over the medium and long term, so the value of your money will likely outpace inflation. They are a good hedge against inflation!

From an investment point of view, the ‘real’, after-inflation return is the most important because this figure determines what your money will eventually buy. There are two categories of interest rates when it comes to measuring the return on your investments; nominal interest rates and real interest rates. The nominal interest rate is the growth rate of your money, while the real interest rate is the growth of your purchasing power. Your real rate of interest (or return) is the nominal rate reduced by the rate of inflation.

Make sure that when you’re planning for medium to long term, and considering your savings and where to invest, inflation is front of mind.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Is Your Money Keeping up with Inflation?

Have you ever truly considered the impact of inflation on your savings? Or how much would one dollar now be worth in 20 years’ time? Inflation is the rise in the price of goods and services in an economy over a period of time.

The rate of inflation is important. It represents the rate at which the real value of your money is eroded and the loss in spending or purchasing power over time. Inflation also serves as a guide in exactly how much of a return your investments need to make for them to maintain their standard of living and minimize the impact of inflation.

If inflation is not carefully considered and then managed properly, its impact has the potential to undo much of the good groundwork you have laid when accumulating your savings. If the price of goods and services rises faster than your income and your savings, both your purchasing power and your standard of living will fall.

No one can exactly predict where inflation will be in the future and for those who are globally mobile there is the added complexity as to where we may retire and what the impact of inflation is likely to be. One way to offset the impact of inflation is to direct some of your money in growth assets such as shares and property. These assets tend to grow in line with the general rise in prices as well as are likely to deliver greater returns over the medium and long term, so the value of your money will likely outpace inflation. They are a good hedge against inflation!

From an investment point of view, the ‘real’, after-inflation return is the most important because this figure determines what your money will eventually buy. There are two categories of interest rates when it comes to measuring the return on your investments; nominal interest rates and real interest rates. The nominal interest rate is the growth rate of your money, while the real interest rate is the growth of your purchasing power. Your real rate of interest (or return) is the nominal rate reduced by the rate of inflation.

Make sure when you’re planning for the medium to long term and considering your savings and where to invest, inflation is front of mind.

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

您的钱跟得上通货膨胀吗？

您认真考虑过通货膨胀对您积蓄的影响吗？或者考虑过一美元在20年后会值多少钱？通货膨胀指一个经济体在一段时间内商品和服务价格的上涨。

通货膨胀率很重要。它表示您的钱的实际价值被侵蚀的速度，以及随着时间的推移在消费力或购买力上的损失。通货膨胀也可以作为一个指标，表示您的投资需要多少回报才能维持您当前的生活水平，并将通货膨胀的影响降至最低。

如果不仔细考虑通货膨胀，未雨绸缪，它的影响有可能摧毁您多年积蓄打下的良好基础。如果物价上涨的速度快于您的收入和储蓄增加的速度，那么您的购买力和生活水平都会下降。

没有人能够准确预测未来的通胀水平，对于那些在全球各地流动居住的人来说，未来可能在哪里退休养老以及通胀的影响程度就更复杂了。抵消通货膨胀影响的一个方法是将您的一部分积蓄投资于成长型资产，如股票和房地产。这些资产的价值往往会随着物价的普遍上涨而增加，并可能在中长期带来更高的回报，因此您的钱的增值速度可能会跑赢通胀速度。它们是对抗通货膨胀的好办法！

从投资的角度来看，考虑通胀因素后的“实际”回报率是最重要的，因为这一数字决定了您的钱最终能买到什么。在衡量投资回报率时，有两种利率：名义利率和实际利率。名义利率是您的钱的增长率，而实际利率是购买力的增长率。实际利率（或投资回报率）等于名义利率减去通货膨胀率。

因此，在规划中长期投资、考虑储蓄和投资领域时，通货膨胀是首先要考虑的因素。

免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within three years, it’s often wiser to choose a savings account or Bank deposit and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

Author is not a financial advisor, tax professional or legal advisor. The article and its content is for informational purposes only, reader should not construe any such information or other material as legal, tax, investment, financial, or other advice. All information, data, strategies, reports, articles and all other features of this article are provided for informational and educational purposes only and should not be considered or inferred as personalized investment advice. Article may contain errors, and the reader should not make any financial or investment decision based solely on what the reader reads in this article and writing. It shall be reader’s responsibility to perform its own due diligence, and reader must make its own decisions. Be advised and aware that financial and investment decisions involve risk. Author accept no liability whatsoever for any direct or consequential loss arising from any use of author’s writings, products, services, website, or other content, including contents of this article. Reader is responsible for its own investment research and decisions. Reader should seek the advice of a qualified investment advisor and fully understand any and all risks before investing or making any financial decision. Author make no representation that any reader will or is likely to experience results as cited in this article. All results of author’s recommendations are not based on actual investments by author and are based upon a hypothesis, available statistics and surveys which have limitations and do not reflect all components of actual investments. Reader’s actual results may vary based upon many factors. All content and references to third-party sources is provided solely for convenience. This information may be inaccurate, use at your own risk.

By reading this article or any of its contents you agree that neither author nor its employees, shareholders, directors, contractors, affiliates, agents, third party content providers or licensors will be liable for any direct, indirect, incidental or any other type of claim, liability, cost, damage or loss resulting from reader’s use of any of this content. This includes, but is not limited to, loss or injury caused in whole or in part by contingencies beyond our control.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within three years, it’s often wiser to choose a savings account or Bank deposit and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The content of this article does not constitute individual financial advice.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within three years, it’s often wiser to choose a savings account or Bank deposit and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The information in this report does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations.

While we have made every attempt to ensure that the information contained in this report has been obtained from reliable sources, Aon is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this report is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Aon be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages, even if advised of the possibility of such damages.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within three years, it’s often wiser to choose a savings account or Bank deposit and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

Hva er inflasjon?

Når penger taper seg i verdi over tid kalles det inflasjon. Inflasjon foregår konstant. Ting koster gjerne mer i dag enn for noen år siden.

Inflasjon reduserer kontantbeholdningens verdi

Ved høy inflasjon får du mindre igjen for samme pengesum i dag enn for ett eller to år siden, og denne reduksjonen i kjøpekraft foregår i raskere takt enn vanlig.

Inflasjon beregnes i prosent.

Dersom inflasjonen er på 1 % (lav inflasjon) har pengenes kjøpekraft tapt seg 1 % på et år.
Dersom inflasjonen er på 5 % (høy inflasjon) har pengenes kjøpekraft tapt seg 5 % på et år.

Det er viktig å kjenne inflasjonsraten når du tenker på sparing og investering fordi den i stor grad påvirker den reelle avkastningen din (fratrukket inflasjon).
Du kan for eksempel sette penger på en bankkonto med rente på 2 %. Ett år senere har du 2 % mer penger. Men hvis inflasjonen er på over 2 %, kan du likevel kjøpe mindre for disse pengene enn for beløpet du startet med.
Hvis du har som mål å kjøpe mer for pengene dine, må du finne en konto eller investering som “slår inflasjonen”, dvs. som gir høyere avkastning enn nåværende inflasjonsrate.

Verditap - Behov for å investere

Tabellen nedenfor viser inflasjonens virkning på kjøpekraften til 1000 kr på ulike tidspunkter

Periode	2 % inflasjon	4 % inflasjon	7 % inflasjon
5 år	906	822	713
10 år	820	676	508
15 år	743	555	362
20 år	673	456	258
25 år	610	375	184
Periode	2 %	4%	7%

Kilde: Aon

En sparekonto kan være et klokere valg for kortsiktige formål der du ønsker å bruke pengene innen fem år og ikke vil uroe deg for mye om inflasjon.

For langsiktige formål bør du ta inflasjonen med i regnestykket.

Qu’est-ce que l’inflation ?

L’inflation est le fait que l’argent perde de sa valeur au fil du temps. C’est un phénomène permanent. En effet, les choses sont généralement plus chères qu’elles ne l’étaient il y a quelques années.

L’inflation réduit la valeur des espèces

Si l’inflation est élevée, vous pouvez acheter moins pour la même somme d’argent par rapport à il y a un an ou deux, et cette réduction du pouvoir d’achat se produit à une vitesse plus élevée que d’habitude.

L’inflation est mesurée sous forme d’un pourcentage :

Si le taux d’inflation est de 1 % (inflation faible), le pouvoir d’achat de l’argent sera réduit de 1 % un an plus tard.
Si le taux d’inflation est de 5 % (inflation élevée), le pouvoir d’achat de l’argent sera réduit de 5 % un an plus tard.

Il est important de connaître le taux d’inflation lorsque vous pensez à l’épargne et aux investissements, car ce dernier génère une grande différence en ce qui concerne le niveau de profit en termes réels (après inflation).
Si vous placez votre argent sur un compte bancaire qui vous rapporte un intérêt de 2 %. Un an plus tard, vous aurez 2 % de plus d’argent, mais si l’inflation est supérieure à 2 %, bien que vous ayez plus d’argent sur votre compte, vous pouvez acheter moins que le montant avec lequel vous avez commencé.
Si votre objectif est de pouvoir acheter plus avec votre argent, vous devez trouver un compte ou un investissement qui « dépasse l’inflation », c’est-à-dire que les intérêts ou les bénéfices que vous réalisez sont supérieurs au taux d’inflation actuel.

Érosion de la valeur — Le besoin d’investir

Ce tableau montre l’effet de l’inflation sur le pouvoir d’achat de 1 000 (peu importe la devise) à différents moments.

Période	2%	4 %	7%
5 ans	906	822	713
10 ans	820	676	508
15 ans	743	555	362
20 ans	673	456	258
25 ans	610	375	184

Source : Aon

Pour les objectifs à court terme, c’est-à-dire lorsque vous prévoyez de dépenser de l’argent dans les cinq ans, il est souvent plus sage de choisir un compte d’épargne et de ne pas trop se soucier de l’inflation.
Pour des objectifs à long terme, vous devez garder l’inflation à l’esprit lors de vos investissements.

Wat is inflatie?

Inflatie is wanneer geld waarde verliest in de loop van de tijd. Het gebeurt constant. Dingen zijn over het algemeen duurder dan een paar jaar geleden.

Inflatie reduceert de waarde van contanten

Als de inflatie hoog is, kan je voor hetzelfde bedrag minder kopen in vergelijking met een jaar of twee geleden, en deze koopkrachtvermindering gaat sneller dan normaal.

Inflatie wordt gemeten als een percentage:

Bij een inflatie van 1% (lagere inflatie) is de koopkracht van geld een jaar later 1% lager.
Bij een inflatie van 5% (hogere inflatie) is de koopkracht van geld een jaar later 5% lager.

Het is belangrijk dat je het inflatiepercentage kent wanneer je denkt aan besparingen en investeringen, aangezien het een groot verschil maakt voor het werkelijke winstniveau (na inflatie).
Als je je geld op een bankrekening stort die je 2% rente oplevert. Een jaar later heb je 2% meer geld, maar als de inflatie meer dan 2% is, kun je, hoewel je meer geld op je rekening hebt staan, minder kopen dan het bedrag waarmee je bent begonnen.
Als het je doel is om meer te kunnen kopen met je geld, moet je een rekening of investering vinden die de inflatie 'verslaat', d.w.z. de rente of winst die je maakt is hoger dan de huidige inflatie.

Erosie van waarde - De noodzaak om te investeren

Deze tabel toont de gevolgen van inflatie op de koopkracht van 1000 eenheden van een valuta gedurende verschillende momenten

Periode	2%	4%	7%
5 jaar	906	822	713
10 jaar	820	676	508
15 jaar	743	555	362
20 jaar	673	456	258
25 jaar	610	375	184

Bron: Aon

Voor doelstellingen op korte termijn, d.w.z. waaraan je van plan bent het geld binnen vijf jaar uit te geven, is het vaak verstandiger om een spaarrekening te kiezen en je niet al te veel zorgen te maken over inflatie.
Voor langetermijndoelstellingen moet je rekening houden met inflatie wanneer je belegt.

Hvad er inflation?

Inflation er, når penge mister værdi over tid. Det sker hele tiden – ting er generelt dyrere, end de var for bare nogle år siden.

Inflation reducerer den kontante værdi

Hvis inflationen er høj, kan du købe mindre for den samme mængde penge, som du kunne for et år eller to siden, og denne reduktion af købekraften sker hurtigere end normalt.

Inflation måles som en procentdel:

Hvis inflationsraten er på 1 % (lavere inflation) vil penges købekraft være 1 % lavere et år senere.
Hvis inflationsraten er på 5 % (højere inflation) vil penges købekraft være 5 % lavere et år senere.

Det er vigtigt at kende inflationsraten, når du overvejer opsparing og investeringer, da det gør en stor forskel på overskudsniveauet i reelle tal (efter inflation).
Forestil dig, at du sætter dine penge ind på en bankkonto med en rente på 2 %. Et år senere har du 2 % flere penge, men hvis inflationen på det tidspunkt er på mere end 2 %, kan du købe for mindre end det beløb, du startede med, selvom du har flere penge på din konto.
Hvis dit mål er at kunne købe mere for dine penge, skal du finde en konto eller investering, der "bekæmper inflation" – dvs. den rente eller det overskud, du får udbetalt, er højere end den nuværende inflationsrate.

Udhuling af værdi – behovet for at investere

Denne tabel viser effekten af inflation på købekraften af 1.000 pengeenheder af en vilkårlig valuta over forskellige perioder

Periode	2 %	4 %	7 %
5 år	906	822	713
10 år	820	676	508
15 år	743	555	362
20 år	673	456	258
25 år	610	375	184
Periode	2 %	4 %	7 %

Kilde: Aon

Med henblik på kortsigtede mål, hvor du planlægger at bruge pengene inden for fem år, er det ofte klogere at vælge en opsparingskonto og ikke gøre sig for mange bekymringer om inflation.
Hvad angår langsigtede mål, bør du have inflation med i overvejelserne, når du investerer.

Τι είναι ο πληθωρισμός;

Πληθωρισμός είναι η απώλεια της αξίας του χρήματος με την πάροδο του χρόνου. Είναι κάτι που συμβαίνει διαρκώς – τα πάντα είναι γενικά πιο ακριβά σε σύγκριση με το παρελθόν.

Ο πληθωρισμός μειώνει την αξία των μετρητών

Όταν ο πληθωρισμός είναι υψηλός μπορείτε να αγοράζετε λιγότερα πράγματα με το ίδιο χρηματικό ποσό σε σύγκριση με αυτά που αγοράζατε πριν από ένα ή δύο έτη, ενώ αυτή η μείωση της αγοραστικής δύναμης συμβαίνει με ταχύτερο ρυθμό απ’ ότι συνήθως.

Ο πληθωρισμός υπολογίζεται ως ποσοστό:

Εάν το ποσοστό πληθωρισμού είναι 1% (χαμηλότερος πληθωρισμός), η αγοραστική δύναμη του χρήματος θα είναι 1% μικρότερη σε ένα έτος αργότερα.
Εάν το ποσοστό πληθωρισμού είναι 5% (υψηλότερος πληθωρισμός), η αγοραστική δύναμη του χρήματος θα είναι 5% μικρότερη σε ένα έτος αργότερα.

Είναι σημαντικό να γνωρίζετε το ποσοστό πληθωρισμού όταν σκέφτεστε να αποταμιεύσετε ή να επενδύσετε, εφόσον δημιουργεί αισθητή διαφορά στο επίπεδο του κέρδους σε πραγματικούς όρους (μετά τον υπολογισμό του πληθωρισμού).
Ας υποθέσουμε ότι τοποθετήσετε τα χρήματά σας σε τραπεζικό λογαριασμό με επιτόκιο 2%. Ένα έτος αργότερα τα χρήματά σας θα έχουν αυξηθεί κατά 2%, αλλά ο εάν ο πληθωρισμός είναι πάνω από 2% η αγοραστική σας δύναμη θα είναι μικρότερη από εκείνη που είχατε με το αρχικό ποσό σας, παρόλο που τώρα στον λογαριασμό σας υπάρχουν περισσότερα χρήματα.
Εάν ο στόχος σας είναι να μπορείτε να αγοράζετε περισσότερα με τα χρήματά σας, θα πρέπει να βρείτε έναν λογαριασμό ή μια επένδυση που δεν επηρεάζεται από τον πληθωρισμό – δηλαδή, το επιτόκιο που λαμβάνετε ή το κέρδος σας να υπερβαίνει το τρέχον ποσοστό του πληθωρισμού.

Ελάττωση της αξίας – Η ανάγκη για επένδυση

Αυτός ο πίνακας παρουσιάζει την επίδραση της αγοραστικής δύναμης 1.000 μονάδων οποιουδήποτε νομίσματος σε διάφορες περιόδους

Χρονικό διάστημα	2%	4%	7%
5 έτη	906	822	713
10 έτη	820	676	508
15 έτη	743	555	362
20 έτη	673	456	258
25 έτη	610	375	184
Χρονικό διάστημα	2%	4%	7%

Πηγή: Aon

Όσον αφορά τους βραχυπρόθεσμους στόχους, για παράδειγμα, όταν σχεδιάζετε να ξοδέψετε τα χρήματα εντός πέντε ετών, είναι πιο συνετό να επιλέξετε έναν λογαριασμό ταμιευτηρίου ώστε να μην ανησυχείτε ιδιαίτερα για τον πληθωρισμό.
Όσον αφορά τους μακροπρόθεσμους στόχους, θα πρέπει να λαμβάνετε υπ’ όψιν τον πληθωρισμό όταν επενδύετε.

¿Qué es la inflación?

La inflación es la pérdida de valor del dinero con el tiempo. Se trata de un fenómeno que sucede constantemente, ya que, por lo general, las cosas tienden a ser más caras de lo que eran unos años antes.

La inflación reduce el valor del efectivo

Si la inflación es elevada, la misma cantidad de dinero le servirá para comprar menos de lo que habría podido comprar uno o dos años atrás, y esta reducción de su poder adquisitivo tendrá lugar a una velocidad mayor de lo habitual.

La inflación se mide en porcentaje:

Si la tasa de inflación es del 1% (una inflación baja), el poder adquisitivo del dinero será un 1% inferior un año después.
Si la tasa de inflación es del 5% (una inflación alta), el poder adquisitivo del dinero será un 5% inferior un año después.

Es importante conocer la tasa de inflación cuando uno piensa en ahorrar o invertir, ya que puede suponer una gran diferencia en el nivel de beneficios que va a obtener en términos reales (es decir, tras descontar la inflación).
Si deposita dinero en una cuenta bancaria que le ofrece un interés del 2%, un año después tendrá un 2% más de dinero. Sin embargo, si la inflación es superior al 2%, aunque disponga de más dinero en su cuenta, podrá comprar menos con ese dinero que con la cantidad con la que empezó a ahorrar.
Si su objetivo es poder comprar más con su dinero, deberá buscar una cuenta o inversión que «supere a la inflación», es decir, cuyo interés o beneficio sea superior a la tasa de inflación actual.

La erosión del valor y la necesidad de invertir

Esta tabla muestra los efectos de la inflación sobre el poder adquisitivo de 1.000 unidades de cualquier divisa en diferentes puntos temporales.

Periodo	2%	4%	7%
5 años	906	822	713
10 años	820	676	508
15 años	743	555	362
20 años	673	456	258
25 años	610	375	184
Periodo	2%	4%	7%

Fuente: Aon

Si sus objetivos son a corto plazo –es decir, si tiene previsto gastar su dinero en un plazo de cinco años– lo más recomendable es que elija una cuenta de ahorro y no se preocupe excesivamente por la inflación.
En cambio, si sus objetivos son a largo plazo, deberá tener en cuenta el factor de la inflación a la hora de invertir.

Mi az az infláció?

Az infláció az, amikor a pénz idővel veszít az értékéből. Ez folyamatosan megtörténik – a dolgok általában drágábbak, mint pár éve voltak.

Az infláció csökkenti a készpénz értékét

Ha magas az infláció, kevesebb dolgot tudsz venni ugyanabból a pénzösszegből az egy-két évvel ezelőtti állapothoz képest, és a vásárlóerő ilyen csökkenése a szokásosnál gyorsabban történik.

Az inflációt százalékban mérik:

Ha az inflációs ráta 1% (alacsonyabb infláció), a pénz vásárlóereje 1%-kal csökken egy évvel később.
Ha az inflációs ráta 5% (magasabb infláció), a pénz vásárlóereje 5%-kal csökken egy évvel később.

Fontos ismerni az inflációs rátát, amikor a megtakarításokról és befektetésekről gondolkodsz, mivel nagy különbséget jelent a haszon reálértékében (az infláció után).
Ha a pénzed bankszámlára teszed, az 2%-os kamatot fizet. Egy évvel később 2%-kal több pénzed lesz, de ha az infláció több mint 2%, akkor annak ellenére, hogy több pénzed van a számládon, kevesebb dolgot tudsz megvenni, mint a kezdő összeggel.
Ha az a célod, hogy többet tudj venni a pénzedből, olyan számlát vagy befektetést kell találnod, amely „legyőzi az inflációt” – azaz a megszerzett kamat vagy nyereség magasabb, mint a jelenlegi inflációs ráta.

Értékromlás – A befektetés szükségessége

Ez a táblázat az infláció hatását mutatja a vásárlóerőre 1000 valuta esetén különböző pontokon

Időszak	2%	4%	7%
5 év	906	822	713
10 év	820	676	508
15 év	743	555	362
20 év	673	456	258
25 év	610	375	184
Időszak	2%	4%	7%

Forrás: Aon

Rövid távú célokhoz, azaz ha a pénzt öt éven belül tervezed elkölteni, gyakran bölcsebb dolog megtakarítási számlát választani, és nem aggódni az infláció miatt.
Hosszú távú célokhoz figyelembe kell venned az inflációt, amikor befektetsz.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The content of this article does not constitute individual financial advice.

Qu’est-ce que l’inflation ?

On parle d’inflation lorsque l’argent perd de sa valeur avec le temps. Ce phénomène est constant. En effet, les articles sont généralement plus chers que quelques années en arrière.

L’inflation est constante et réduit la valeur des espèces.

Lorsque l’inflation est élevée, vous pouvez acheter moins pour la même somme d’argent par rapport à un ou deux ans en arrière. Cette réduction de votre pouvoir d’achat se produit plus rapidement que la normale.

L’inflation est mesurée en pourcentage :

Si le taux d’inflation est de 1 % (inflation plus faible), le pouvoir d’achat diminuera de 1 % l’année suivante.
Si le taux d’inflation est de 5 % (inflation plus élevée), le pouvoir d’achat diminuera de 5 % l’année suivante.

Il est important de connaître le taux d’inflation lorsque vous envisagez d’épargner ou d’investir, car il pourra faire une grande différence en termes de bénéfices (après inflation).
Si vous placez votre argent sur un compte en banque avec un taux d’intérêt à 2 %, l’année suivante, votre somme d’argent aura augmenté de 2 %. Par contre, si l’inflation est supérieure à 2 %, même si la somme sur votre compte est plus élevée, vous pourrez acheter moins de choses qu’avec le montant initial.
Si votre objectif est de pouvoir acheter plus avec votre argent, il vous faut trouver un compte ou un investissement qui rapporte plus que le taux d’inflation actuel.

Érosion de la valeur - La nécessité d’investir

Le tableau suivant montre l’effet de l’inflation sur le pouvoir d’achat de 1 000 de n’importe quelle devise à différents moments.

Période	2 %	4 %	7 %
5 ans	906	822	713
10 ans	820	676	508
15 ans	743	555	362
20 ans	673	456	258
25 ans	610	375	184
Période	2 %	4 %	7 %

Source : Aon

Pour les objectifs à court terme, lorsque vous planifiez vos dépenses sur cinq ans, il est souvent plus judicieux d’opter pour un compte d’épargne et de ne pas trop s’inquiéter de l’inflation.
Pour les objectifs à long terme, ne perdez pas de vue l’inflation lors de vos investissements.

Was ist Inflation?

Unter Inflation versteht man den Wertverlust von Geld im Lauf der Zeit. Inflation findet ständig statt – Dinge sind heutzutage im Allgemeinen teurer als noch vor ein paar Jahren.

Inflation mindert den Wert von Bargeld

Wenn die Inflation hoch ist, können Sie heute für denselben Betrag weniger kaufen als vor einem oder zwei Jahren, und dieser Rückgang der Kaufkraft vollzieht sich schneller als im Normalfall.

Inflation wird in Prozenten gemessen:

Beträgt die Inflation 1 % (eher geringe Inflation), verringert sich die Kaufkraft innerhalb eines Jahres um 1 %.
Beträgt die Inflation 5 % (eher hohe Inflation), verringert sich die Kaufkraft innerhalb eines Jahres um 5 %.

Wenn Sie über Ersparnisse und Investitionen nachdenken, sollten Sie die Inflationsrate unbedingt kennen, denn sie hat großen Einfluss auf den effektiven Gewinn (d. h. auf den Gewinn unter Berücksichtigung der Inflation).
Nehmen wir an, Sie zahlen Ihr Geld auf ein Bankkonto ein, das Ihnen 2 % Zinsen zahlt. Ein Jahr später haben Sie 2 % mehr Geld auf dem Konto. Wenn allerdings die Inflation über 2 % beträgt, können Sie für dieses Geld weniger kaufen, als Sie ein Jahr zuvor für den ursprünglichen Betrag bekommen hätten.
Wenn Ihr Ziel darin besteht, mit Ihrem Geld mehr kaufen zu können, müssen Sie ein Konto oder eine Investition finden, die „die Inflation schlagen“ – bei denen also die Zinsen bzw. Gewinne die aktuelle Inflationsrate übersteigen.

Wertverlust – Die Notwendigkeit zu investieren

Diese Tabelle zeigt die Auswirkung der Inflation auf die Kaufkraft von 1.000 Einheiten einer beliebigen Währung über verschiedene Zeiträume.

Zeitraum	2 %	4 %	7 %
5 Jahre	906	822	713
10 Jahre	820	676	508
15 Jahre	743	555	362
20 Jahre	673	456	258
25 Jahre	610	375	184
Zeitraum	2 %	4 %	7 %

Quelle: Aon

Bei eher kurzfristigen Zielen – wenn Sie das Geld innerhalb von fünf Jahren ausgeben wollen – ist es oft klüger, sich für ein Sparkonto zu entscheiden und sich keine allzu großen Sorgen um die Inflation zu machen.
Bei langfristigen Zielen sollten Sie die Inflation im Hinterkopf behalten, wenn Sie investieren.

Che cos’è l’inflazione?

L’inflazione è il fenomeno per cui il denaro perde valore nel tempo. Succede di continuo: in genere gli articoli sono più cari di quanto lo fossero anni prima.

L’inflazione riduce il valore del denaro

Se l’inflazione è alta, con lo stesso importo di denaro si può acquistare di meno rispetto ad uno o due anni prima, e questa riduzione del potere d’acquisto si sta verificando ad una velocità maggiore del solito.

L’inflazione viene misurata in percentuale:

Se il tasso d’inflazione è all’1% (inflazione più bassa) il potere d’acquisto sarà dell'1% inferiore rispetto all'anno precedente.
Se il tasso d’inflazione è al 5% (inflazione più alta) il potere d’acquisto sarà del 5% inferiore rispetto all'anno precedente.

Nel momento in cui si pensa di risparmiare e fare investimenti, è importante conoscere il tasso d’inflazione, perché cambia enormemente il livello di profitto in termini reali (dopo l’inflazione).
Se metti i soldi in un conto bancario che rende un interesse del 2%, l’anno successivo avrai il 2% in più di soldi, ma se l’inflazione è superiore al 2% allora, anche se avrai più soldi nel conto, potrai acquistare di meno che con l’importo iniziale.
Se l’obiettivo è quello di poter acquistare di più con i propri soldi, bisogna trovare un conto o un investimento che “abbatta l’inflazione”, per esempio, ottenendo un interesse o un profitto superiore all’attuale tasso d’inflazione.

Erosione del valore – Necessità d’investire

Questa tabella mostra l’effetto dell’inflazione sul potere d’acquisto di 1.000 monete qualsiasi su vari punti percentuali

Periodo	2%	4%	7%
5 anni	906	822	713
10 anni	820	676	508
15 anni	743	555	362
20 anni	673	456	258
25 anni	610	375	184
Periodo	2%	4%	7%

Fonte: Aon

Per gli obiettivi a breve termine, per esempio se pianifichi di spendere denaro entro cinque anni, spesso è più saggio scegliere un conto di risparmio così da non preoccuparsi troppo dell’inflazione.
Per gli obiettivi a lungo termine, si dovrebbe tenere conto dell’inflazione quando si investe.

Qu’est-ce que l’inflation ?

On parle d’inflation lorsque l’argent perd de sa valeur avec le temps. Ce phénomène est constant. En effet, les articles sont généralement plus chers que quelques années en arrière.

L’inflation est constante et réduit la valeur des espèces.

Lorsque l’inflation est élevée, vous pouvez acheter moins pour la même somme d’argent par rapport à un ou deux ans en arrière. Cette réduction de votre pouvoir d’achat se produit plus rapidement que la normale.

L’inflation est mesurée en pourcentage :

Si le taux d’inflation est de 1 % (inflation plus faible), le pouvoir d’achat diminuera de 1 % l’année suivante.
Si le taux d’inflation est de 5 % (inflation plus élevée), le pouvoir d’achat diminuera de 5 % l’année suivante.

Il est important de connaître le taux d’inflation lorsque vous envisagez d’épargner ou d’investir, car il pourra faire une grande différence en termes de bénéfices (après inflation).
Si vous placez votre argent sur un compte en banque avec un taux d’intérêt à 2 %, l’année suivante, votre somme d’argent aura augmenté de 2 %. Par contre, si l’inflation est supérieure à 2 %, même si la somme sur votre compte est plus élevée, vous pourrez acheter moins de choses qu’avec le montant initial.
Si votre objectif est de pouvoir acheter plus avec votre argent, il vous faut trouver un compte ou un investissement qui rapporte plus que le taux d’inflation actuel.

Érosion de la valeur - La nécessité d’investir

Le tableau suivant montre l’effet de l’inflation sur le pouvoir d’achat de 1 000 de n’importe quelle devise à différents moments.

Période	2 %	4 %	7 %
5 ans	906	822	713
10 ans	820	676	508
15 ans	743	555	362
20 ans	673	456	258
25 ans	610	375	184
Période	2 %	4 %	7 %

Source : Aon

Pour les objectifs à court terme, lorsque vous planifiez vos dépenses sur cinq ans, il est souvent plus judicieux d’opter pour un compte d’épargne et de ne pas trop s’inquiéter de l’inflation.
Pour les objectifs à long terme, ne perdez pas de vue l’inflation lors de vos investissements.

Che cos’è l’inflazione?

L’inflazione è il fenomeno per cui il denaro perde valore nel tempo. Succede di continuo: in genere gli articoli sono più cari di quanto lo fossero anni prima.

L’inflazione riduce il valore del denaro

Se l’inflazione è alta, con lo stesso importo di denaro si può acquistare di meno rispetto ad uno o due anni prima, e questa riduzione del potere d’acquisto si sta verificando ad una velocità maggiore del solito.

L’inflazione viene misurata in percentuale:

Se il tasso d’inflazione è all’1% (inflazione più bassa) il potere d’acquisto sarà dell'1% inferiore rispetto all'anno precedente.
Se il tasso d’inflazione è al 5% (inflazione più alta) il potere d’acquisto sarà del 5% inferiore rispetto all'anno precedente.

Nel momento in cui si pensa di risparmiare e fare investimenti, è importante conoscere il tasso d’inflazione, perché cambia enormemente il livello di profitto in termini reali (dopo l’inflazione).
Se metti i soldi in un conto bancario che rende un interesse del 2%, l’anno successivo avrai il 2% in più di soldi, ma se l’inflazione è superiore al 2% allora, anche se avrai più soldi nel conto, potrai acquistare di meno che con l’importo iniziale.
Se l’obiettivo è quello di poter acquistare di più con i propri soldi, bisogna trovare un conto o un investimento che “abbatta l’inflazione”, per esempio, ottenendo un interesse o un profitto superiore all’attuale tasso d’inflazione.

Erosione del valore – Necessità d’investire

Questa tabella mostra l’effetto dell’inflazione sul potere d’acquisto di 1.000 monete qualsiasi su vari punti percentuali

Periodo	2%	4%	7%
5 anni	906	822	713
10 anni	820	676	508
15 anni	743	555	362
20 anni	673	456	258
25 anni	610	375	184
Periodo	2%	4%	7%

Fonte: Aon

Per gli obiettivi a breve termine, per esempio se pianifichi di spendere denaro entro cinque anni, spesso è più saggio scegliere un conto di risparmio così da non preoccuparsi troppo dell’inflazione.
Per gli obiettivi a lungo termine, si dovrebbe tenere conto dell’inflazione quando si investe.

Was ist Inflation?

Unter Inflation versteht man den Wertverlust von Geld im Lauf der Zeit. Inflation findet ständig statt – Dinge sind heutzutage im Allgemeinen teurer als noch vor ein paar Jahren.

Inflation mindert den Wert von Bargeld

Wenn die Inflation hoch ist, können Sie heute für denselben Betrag weniger kaufen als vor einem oder zwei Jahren, und dieser Rückgang der Kaufkraft vollzieht sich schneller als im Normalfall.

Inflation wird in Prozenten gemessen:

Beträgt die Inflation 1 % (eher geringe Inflation), verringert sich die Kaufkraft innerhalb eines Jahres um 1 %.
Beträgt die Inflation 5 % (eher hohe Inflation), verringert sich die Kaufkraft innerhalb eines Jahres um 5 %.

Wenn Sie über Ersparnisse und Investitionen nachdenken, sollten Sie die Inflationsrate unbedingt kennen, denn sie hat großen Einfluss auf den effektiven Gewinn (d. h. auf den Gewinn unter Berücksichtigung der Inflation).
Nehmen wir an, Sie zahlen Ihr Geld auf ein Bankkonto ein, das Ihnen 2 % Zinsen zahlt. Ein Jahr später haben Sie 2 % mehr Geld auf dem Konto. Wenn allerdings die Inflation über 2 % beträgt, können Sie für dieses Geld weniger kaufen, als Sie ein Jahr zuvor für den ursprünglichen Betrag bekommen hätten.
Wenn Ihr Ziel darin besteht, mit Ihrem Geld mehr kaufen zu können, müssen Sie ein Konto oder eine Investition finden, die „die Inflation schlagen“ – bei denen also die Zinsen bzw. Gewinne die aktuelle Inflationsrate übersteigen.

Wertverlust – Die Notwendigkeit zu investieren

Diese Tabelle zeigt die Auswirkung der Inflation auf die Kaufkraft von 1.000 Einheiten einer beliebigen Währung über verschiedene Zeiträume.

Zeitraum	2 %	4 %	7 %
5 Jahre	906	822	713
10 Jahre	820	676	508
15 Jahre	743	555	362
20 Jahre	673	456	258
25 Jahre	610	375	184
Zeitraum	2 %	4 %	7 %

Quelle: Aon

Bei eher kurzfristigen Zielen – wenn Sie das Geld innerhalb von fünf Jahren ausgeben wollen – ist es oft klüger, sich für ein Sparkonto zu entscheiden und sich keine allzu großen Sorgen um die Inflation zu machen.
Bei langfristigen Zielen sollten Sie die Inflation im Hinterkopf behalten, wenn Sie investieren.

Enflasyon nedir?

Enflasyon, paranın zaman içinde kaybettiği değerdir. Bu sürekli olmakta ve herşey genellikle birkaç yıl öncesine göre daha pahalı.

Enflasyon, paranın satınalma gücünü azaltır.

Enflasyon yüksekse, bir veya iki yıl öncesine kıyasla aynı miktarda para ile daha az şey satın alabilirsiniz ve satın alma gücündeki bu azalma normalden daha yüksek bir hızda gerçekleşiyor.

Enflasyon % olarak hesaplanır

Enflasyon %1 ise, paranın satin alma gücü gelecek yıl %1 daha düşük olacaktır.
Enflasyon oranı% 5 (daha yüksek enflasyon) ise, paranın satın alma gücü bir yıl sonra% 5 daha az olacaktır.

Tasarruf ve yatırımları düşündüğünüzde enflasyon oranını bilmek önemlidir, çünkü (enflasyondan sonra) kar düzeyinde büyük bir fark yaratır.
Paranızı size% 2 faiz ödeyen bir banka hesabına koyarsanız. Bir yıl sonra% 2 daha fazla paranız olacak, ancak enflasyon% 2'den fazla ise hesabınızda daha fazla paranız olmasına rağmen, başladığınız miktardan daha az satın alabilirsiniz. Amacınız paranızla daha fazla satın alabilmekse, 'enflasyonu yenen' bir hesap veya yatırım bulmanız gerekir - yani, elde ettiğiniz faiz veya kâr, mevcut enflasyon oranından daha yüksek olmalıdır.

Değer Erezyonu – Yatırım İhtiyacı

Bu tablo, enflasyonun 1.000 birim paranın satin alman gücü üzerindeki etkisini çeşitli noktalarda göstermektedir

Period	2%	4%	7%
5 yıl	906	822	713
10 yıl	820	676	508
15 yıl	743	555	362
20 yıl	673	456	258
25 yıl	610	375	184
Dönem	2%	4%	7%

Kaynak: Aon

Kısa vadeli hedefler için, yani parayı beş yıl içinde harcamayı planladığınız yerde, genellikle bir tasarruf hesabı seçmek ve enflasyon konusunda fazla endişelenmemek daha akıllıca olur.
Uzun vadeli hedefler için yatırım yaparken enflasyonu göz önünde bulundurmalısınız.

通貨膨脹

通貨膨脹就是錢隨著時間的增加，逐漸的地失去其價值，並且它不斷發生 (如: 現在的物品比前幾年來的要貴)。

通貨膨脹降低現金的價值

若通貨膨脹率高，則同樣的金額所能買到的商品數量與一、兩年前相比來的更少，這種購買力下降的現象，正以一種比平常更快的速度發生中。

通貨膨脹率以百分比來衡量：

通貨膨脹率為1%（較低的通膨率）的話，則一年後貨幣的購買力將降低1%。
通貨膨脹率為5%（較高的通膨率），則一年後貨幣的購買力將降低5%。

在考慮儲蓄和投資時，了解通膨率很重要，因為它對實際利潤的水準（通膨後）有很大影響。
如果您將錢存入一個銀行帳戶，該帳戶將向您支付2％的利息。一年後，您的資金將增加2％，但是如果通脹率超過2％，那麼儘管您的帳戶中有更多的資金，但您購買的資金可能少於開始時的金額。
若目標是想要購買更多的東西，則需要找到一個能對抗通膨的帳戶/投資工具。也就是說，賺來的利息/利潤要高於目前的通膨率。

價值侵蝕–投資的需求

下表顯示了不同的通膨率，對1,000個貨幣單位購買力的影響：

時間	2%	4%	7%
5年	906	822	713
10年	820	676	508
15年	743	555	362
20年	673	456	258
25年	610	375	184

來源：Aon

對於短期目標 (如：計劃在五年內花費這筆錢)明智的做法為選擇儲蓄帳戶且不要過度擔心通貨膨脹。
對於長期目標，投資時應注意通貨膨脹。

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

The content of this article does not constitute individual financial advice. Aon can’t provide personalised investment advice or make personalised recommendations – we therefore suggest that you speak to an authorised financial adviser if you want to understand any of these concepts in the context of your personal situation.

What is inflation?

Inflation is when money loses value over time. It’s happening constantly – things are generally more expensive than they were a few years ago.

Inflation reduces the value of cash

If inflation is high you can buy less for the same amount of money compare to a year or two ago, and this reduction in buying power is happening at a higher speed than usual.

Inflation is measured as a percentage:

If the inflation rate is 1% (lower inflation) the purchasing power of money will be 1% less a year later.
If the inflation rate is 5% (higher inflation) the purchasing power of money will be 5% less a year later.

It’s important to know the inflation rate when you’re thinking about savings and investments, since it makes a big difference to the level of profit in real terms (after inflation).
If you put your money in a bank account that pays you interest at 2%. A year later you’ll have 2% more money, but if inflation is more than 2% then although you’ve got more money in your account you can purchase less than the amount you began with.
If your goal is to be able to buy more with your money, you need to find an account or investment that ‘beats inflation’ – i.e. the interest or profit you make is higher than the current rate of inflation.

Erosion of value – The need to invest

This table shows the effect of inflation on the buying power of 1,000 of any currency over various points

Period	2%	4%	7%
5 years	906	822	713
10 years	820	676	508
15 years	743	555	362
20 years	673	456	258
25 years	610	375	184
Period	2%	4%	7%

Source: Aon

For short term goals, i.e. where you plan to spend the money within five years, it’s often wiser to choose a savings account and not worry too much about inflation.
For long term goals you should keep inflation in mind when you invest.

Disclaimer: The information is brought to you by Aon Vietnam Limited with its Establishment and Operation License No. 26/GP-KDBH . Aon Vietnam Limited is a licensed insurance broker regulated by the Ministry of Finance in Vietnam. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information

Lạm phát là gì?

Lạm phát là khi tiền mất giá trị theo thời gian. Nó diễn ra liên tục - mọi thứ thường sẽ đắt hơn so với vài năm trước.

Lạm phát làm giảm giá trị của tiền mặt

Nếu lạm phát cao, bạn có thể mua ít hơn với cùng một số tiền so với một hoặc hai năm trước và việc giảm sức mua này đang diễn ra với tốc độ cao hơn bình thường.

Lạm phát được đo bằng tỷ lệ phần trăm:

Nếu tỷ lệ lạm phát là 1% (lạm phát thấp hơn), sức mua của tiền sẽ giảm 1% một năm sau đó.
Nếu tỷ lệ lạm phát là 5% (lạm phát cao hơn), sức mua của tiền sẽ giảm 5% một năm sau đó.
Điều quan trọng là phải biết tỷ lệ lạm phát khi bạn nghĩ về tiết kiệm và đầu tư, vì nó tạo ra sự khác biệt lớn đối với mức lợi nhuận theo giá trị thực (sau lạm phát).
Nếu bạn để tiền vào tài khoản ngân hàng trả lãi cho bạn ở mức 2%. Một năm sau, bạn sẽ có thêm 2% tiền, nhưng nếu lạm phát cao hơn 2% thì mặc dù bạn đã có nhiều tiền hơn trong tài khoản, bạn có thể mua ít hơn số tiền bạn đã có ban đầu bắt đầu.
Nếu mục tiêu của bạn là có thể mua nhiều hơn bằng tiền của mình, bạn cần tìm một tài khoản hoặc khoản đầu tư vượt qua lạm phát - tức là lãi suất hoặc lợi nhuận bạn kiếm được cao hơn tỷ lệ lạm phát hiện tại.

Xói mòn giá trị - Sự cần thiết phải đầu tư

Bảng này cho thấy tác động của lạm phát đối với sức mua của 1.000 đồng tiền bất kỳ đối với các thời điểm khác nhau

Thời gian	2%	4%	7%
5 năm	906	822	713
10 năm	820	676	508
15 năm	743	555	362
20 năm	673	456	258
25 năm	610	375	184
Thời gian	2%	4%	7%

Source: Aon

Đối với các mục tiêu ngắn hạn, tức là bạn dự định tiêu tiền trong vòng năm năm, sẽ khôn ngoan hơn khi chọn tài khoản tiết kiệm và không quá lo lắng về lạm phát.
Đối với các mục tiêu dài hạn, bạn nên ghi nhớ lạm phát khi đầu tư.

Tuyên bố miễn trừ trách nhiệm: Thông tin này được cung cấp bởi Công ty TNHH Aon Việt Nam với Giấy phép Thành lập và Hoạt động số 26/ GP-KDBH. Công ty TNHH Aon Việt Nam là công ty môi giới bảo hiểm được cấp giấy phép dưới sự quản lý của Bộ Tài chính tại Việt Nam. Các thông tin này không tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bất kỳ đối tượng cụ thể nào nhận được tài liệu này. Theo đó, bạn không nên dựa vào hoặc coi tài liệu này như một phương thức thay thế cho sự tư vấn riêng biệt liên quan đến các tình huống cụ thể. Vui lòng tìm kiếm sự tư vấn từ chuyên gia cố vấn tài chính về sự phù hợp của bất kỳ sản phẩm đầu tư nào có tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bạn trước khi bạn cam kết mua sản phẩm đầu tư. Bạn cũng nên có được sự tư vấn chuyên biệt khác khi cần thiết. Thông tin này được cung cấp dựa trên sự trung thực và được cho là chính xác vào thời điểm biên soạn. Chúng tôi không có nghĩa vụ phải cập nhật các tài liệu hoặc sửa chữa bất kỳ thông tin không chính xác nào là những thông tin được làm rõ sau này. Bạn luôn cần phải tham khảo các nguồn thông tin chính hoặc các thông tin chính xác hơn hoặc cập nhật hơn.

p>เงินเฟ้อคืออะไร

เงินเฟ้อเกิดขึ้นเมื่อเงินสูญเสียมูลค่าเมื่อเวลาผ่านไป เป็นสิ่งที่เกิดขึ้นอย่างต่อเนื่อง โดยราคาสิ่งของต่างๆ จะสูงขึ้นกว่าเมื่อสองสามปีก่อน

เงินเฟ้อลดมูลค่าของเงินสด

หากอัตราเงินเฟ้อสูง คุณสามารถซื้อของได้น้อยกว่าในจำนวนเงินที่เท่ากันเมื่อเทียบกับหนึ่งหรือสองปีก่อน และการลดกำลังซื้อนี้กำลังเกิดขึ้นเร็วกว่าปกติ

อัตราเงินเฟ้อนั้นวัดเป็นร้อยละ ดังนี้

หากอัตราเงินเฟ้อเท่ากับ 1% (อัตราเงินเฟ้อต่ำ) กำลังซื้อของเงินจะลดลง 1% ในปีถัดไป
หากอัตราเงินเฟ้อเท่ากับ 5% (อัตราเงินเฟ้อสูง) กำลังซื้อของเงินจะลดลง 5% ในปีถัดไป

สิ่งสำคัญคือต้องทราบอัตราเงินเฟ้อเมื่อคุณกำลังคิดถึงการออมและการลงทุน เนื่องจากเงินเฟ้อสร้างความแตกต่างอย่างมากกับระดับของผลกำไรที่แท้จริง (หลังจากเงินเฟ้อ)
หากคุณฝากเงินของคุณในบัญชีธนาคารที่จ่ายดอกเบี้ย 2% ในปีต่อมาคุณจะมีเงินเพิ่มขึ้น 2% แต่ถ้าอัตราเงินเฟ้อสูงกว่า 2% แม้คุณจะมีเงินในบัญชีของคุณมากขึ้น แต่คุณสามารถซื้อได้น้อยกว่าจำนวนเงินแรกเริ่มของคุณ
หากเป้าหมายของคุณคือสามารถใช้เงินของคุณซื้อได้มากขึ้น คุณจะต้องหาบัญชีหรือการลงทุนที่ "เอาชนะเงินเฟ้อ" กล่าวคือ อัตราดอกเบี้ยหรือผลกำไรที่คุณทำได้ต้องสูงกว่าอัตราเงินเฟ้อในปัจจุบัน

การกร่อนของมูลค่า - ความจำเป็นในการลงทุน

ตารางนี้แสดงผลกระทบของเงินเฟ้อต่อกำลังซื้อ 1,000 ในสกุลเงินใดก็ตาม ณ จุดต่างๆ

ระยะเวลา	2%	4%	7%
5 ปี	906	822	713
10 ปี	820	676	508
15 ปี	743	555	362
20 ปี	673	456	258
25 ปี	610	375	184
ระยะเวลา	2%	4%	7%

ที่มา: Aon

สำหรับเป้าหมายระยะสั้น เช่น สิ่งคุณวางแผนที่จะซื้อหาภายในห้าปี จะดีกว่าหากเลือกใช้บัญชีออมทรัพย์และไม่ต้องกังวลเรื่องเงินเฟ้อมากเกินไป
สำหรับเป้าหมายระยะยาว คุณควรคำนึงถึงอัตราเงินเฟ้อเมื่อคุณลงทุน

Vad är inflation?

Inflation är när pengar förlorar i värde över tid. Det händer hela tiden – saker kostar generellt mer än för några år sedan.

Inflation sänker värdet på kontanter

Om inflationen är hög kan du köpa mindre för samma belopp jämfört med för ett år eller två år sedan, och den här minskningen av köpkraft sker i snabbare takt än vanligt.

Inflation mäts i procentandelar:

Om inflationstakten är 1 % (lägre inflation) blir pengarnas köpkraft 1 % mindre ett år senare.
Om inflationstakten är 5 % (högre inflation) blir pengarnas köpkraft 5 % mindre ett år senare.

Det är viktigt att känna till inflationstakten när du tänker på besparingar och investeringar, eftersom det gör stor skillnad för de reella vinstnivåerna (efter inflation).
Du placerar dina pengar på ett bankkonto som ger dig en ränta på 2 %. Ett år senare har du 2 % mer pengar, men om inflationen är högre än 2 % kommer du att kunna köpa mindre än beloppet du började med, även du har mer pengar på kontot.
Om ditt mål är att kunna köpa mer för dina pengar måste du hitta ett konto eller en investering som ”vinner över inflationen” – dvs. att räntan eller vinsten du gör är högre än den aktuella inflationstakten.

Värdeerodering – behovet att investera

I nedanstående tabell visas effekten av inflation på köpkraften för 1 000 monetära enheter i valfri valuta med avseende på flera punkter.

Period	2 %	4 %	7 %
5 år	906	822	713
10 år	820	676	508
15 år	743	555	362
20 år	673	456	258
25 år	610	375	184
Period	2 %	4 %	7 %

Källa: Aon

För kortsiktiga mål, det vill säga om du planerar att spendera pengarna inom fem år, är det oftast klokare att välja ett sparkonto och inte fundera så mycket på inflationen.
För långsiktiga mål bör du ta hänsyn till inflationen när du investerar.

Apa itu inflasi?

Inflasi adalah ketika uang kehilangan nilai seiring waktu. Inflasi terjadi terus-menerus – barang-barang pada umumnya lebih mahal daripada beberapa tahun yang lalu.

Inflasi mengurangi nilai tunai

Jika inflasi tinggi, yang Anda dapatkan lebih sedikit atas jumlah uang yang sama dibandingkan dengan satu atau dua tahun yang lalu, dan pengurangan daya beli ini terjadi pada kecepatan yang lebih tinggi dari biasanya.

Inflasi diukur dalam persentase:

Jika tingkat inflasi adalah 1% (inflasi lebih rendah) daya beli uang akan 1% lebih rendah setahun kemudian.
Jika tingkat inflasi 5% (inflasi lebih tinggi) daya beli uang akan menjadi 5% lebih rendah setahun kemudian.

Anda harus mengetahui tingkat inflasi ketika mempertimbangkan tabungan dan investasi, karena inflasi membuat perbedaan besar ke tingkat keuntungan secara riil (setelah inflasi).
Jika Anda menaruh uang Anda di rekening bank yang membayar bunga 2%. Setahun kemudian Anda akan memiliki 2% lebih banyak uang, tetapi jika inflasi lebih dari 2% maka meskipun Anda mendapatkan lebih banyak uang di akun Anda, daya beli Anda lebih rendah daripada saat Anda mulai.
Jika tujuan Anda adalah untuk dapat membeli lebih banyak dengan uang Anda, Anda perlu menemukan akun atau investasi yang 'mengalahkan inflasi' - yaitu bunga atau laba yang Anda hasilkan lebih tinggi daripada tingkat inflasi saat ini.

Erosi nilai - Kebutuhan untuk berinvestasi

Tabel ini menunjukkan efek inflasi terhadap daya beli 1.000 mata uang apa pun di berbagai titik

Periode	2%	4%	7%
5 tahun	906	822	713
10 tahun	820	676	508
15 tahun	743	555	362
20 tahun	673	456	258
25 tahun	610	375	184
Periode	2%	4%	7%

Sumber: Aon

Untuk tujuan jangka pendek, yaitu ketika Anda berencana untuk menggunakan uang tersebut dalam waktu lima tahun, sering kali lebih bijaksana untuk memilih rekening tabungan dan tidak terlalu khawatir tentang inflasi.
Untuk tujuan jangka panjang, Anda harus mengingat inflasi ketika berinvestasi.

Penulis bukan konsultan keuangan, konsultan pajak, atau konsultan hukum. Artikel dan isinya hanya untuk tujuan informasi, pembaca tidak disarankan untuk menafsirkan informasi atau material lain apa pun sebagai saran hukum, perpajakan, investasi, finansial, atau saran lain. Semua informasi, data, strategi, laporan, artikel, dan semua fitur lain dari artikel ini disediakan untuk tujuan informasi dan edukasi semata dan tidak seharusnya dianggap atau ditafsirkan sebagai saran investasi personal untuk pembaca. Mungkin ada kesalahan pada artikel ini, dan pembaca sebaiknya tidak mengambil keputusan finansial atau investasi berdasarkan apa yang mereka baca dalam artikel dan tulisan ini saja. Merupakan tanggung jawab pembaca untuk melakukan uji tuntas mandiri dan pembaca harus mengambil keputusan sendiri. Pahamilah dan berhati-hatilah karena keputusan keuangan dan investasi mengandung risiko. Penulis tidak bertanggung jawab atas kerugian langsung maupun yang timbul akibat penggunaan tulisan, produk, layanan, situs, atau konten lain yang ditulis oleh penulis, termasuk konten artikel ini. Pembaca bertanggung jawab atas penelitian dan keputusan investasinya sendiri. Pembaca sebaiknya meminta saran penasihat keuangan yang berkualifikasi dan sepenuhnya memahami semua risiko sebelum berinvestasi atau mengambil keputusan finansial apa pun. Penulis tidak menjamin bahwa pembaca akan atau memperoleh hasil sebagaimana yang dikutip dalam artikel ini. Semua hasil rekomendasi penulis tidak didasarkan pada investasi aktual yang dilakukan sendiri oleh penulis dan didasarkan pada hipotesis, statistik, serta survei yang ada, yang memiliki batasan dan tidak mencerminkan semua komponen investasi sesungguhnya. Hasil nyata yang diterima pembaca mungkin berbeda-beda disebabkan berbagai faktor. Semua konten dan referensi sumber pihak ketiga disediakan semata-mata untuk kemudahan. Informasi ini mungkin tidak akurat, gunakan dengan penuh tanggung jawab. Dengan membaca artikel ini atau isinya, Anda setuju bahwa baik penulis maupun karyawannya, pemegang saham, direktur, kontraktor, afiliasi, agen, penyedia konten pihak ketiga, atau pemberi lisensi tidak akan bertanggung jawab atas segala bentuk klaim, tanggung jawab, biaya, kerusakan, atau kerugian, langsung, tidak langsung, maupun insidental akibat penggunaan bagian konten ini oleh pembaca. Termasuk, namun tidak terbatas pada, kerugian atau cedera yang semuanya atau sebagian disebabkan oleh kemungkinan di luar kendali kami.

O que é a inflação?

Inflação é quando o dinheiro perde valor ao longo do tempo. Acontece constantemente e, um modo geral, as coisas tornam-se mais caras do que eram há uns anos.

A inflação reduz o valor do dinheiro

Se a inflação for elevada consegue comprar menos com o mesmo montante em dinheiro comparativamente com o que acontecia há um ou dois anos e esta redução no poder de compra está a ocorrer a uma velocidade mais rápida que o habitual.

A inflação é medida em percentagem:

Se a taxa de inflação for de 1% (inflação baixa) o poder de compra do dinheiro será 1% inferior ao do ano anterior.
Se a taxa de inflação for de 5% (inflação elevada) o poder de compra do dinheiro será 5% inferior ao do ano anterior.

É importante conhecer a taxa de inflação quando estiver a pensar em poupanças e investimentos, uma vez que influencia bastante o nível de lucro em termos reais (após a inflação).
Se colocar o seu dinheiro numa conta bancária que lhe garante um juro de 2%, um ano depois terá 2% mais de dinheiro. No entanto, se a inflação for superior a 2%, embora tenha dinheiro na conta, poderá comprar menos do que o equivalente ao montante com o qual começou.
Se o seu objetivo é conseguir comprar mais com o seu dinheiro tem de encontrar uma conta ou investimento que "supere a inflação", isto é, o juro ou lucro que obtém tem de ser superior à taxa de inflação atual.

Erosão do valor - A necessidade de investir

Esta tabela mostra o efeito da inflação no poder de compra de 1000 de qualquer moeda ao longo de vários pontos

Período	2%	4%	7%
5 anos	906	822	713
10 anos	820	676	508
15 anos	743	555	362
20 anos	673	456	258
25 anos	610	375	184
Período	2%	4%	7%

Fonte: Aon

Para objetivos a curto prazo, isto é, em que planeia gastar o dinheiro num prazo de cinco anos, geralmente é mais sensato escolher uma conta poupança e não ter de se preocupar muito com a inflação.
Para objetivos a longo prazo, quando investir deve ter em conta a inflação.

O conteúdo deste artigo não constitui um aconselhamento financeiro individual.

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