Inflation e bolela ho eketseha ho tsitsitseng ha theko e akaretsang ea thepa le litšebeletso moruong ka nako e itseng. E fella ka ho fokotseha ha matla a ho reka chelete - dollar kajeno e tla reka tlase ho dollar hosasane. Libanka tse bohareng li leka ho fokotsa theko ea lichelete, le ho qoba ho theoha, e le ho boloka moruo o sebetsa hantle.
Ho na le mehato e fapaneng ea ho theoha ha theko, joalo ka Index ea Theko ea Bareki (CPI), Index ea Theko ea Moetsi (PPI), le Gross Domestic Product deflator (GDP deflator). Inflation e ka ba le liphello tse ntle le tse mpe moruong, 'me ke habohlokoa hore baetsi ba melaoana ba hlokomele le ho laola ho theoha ha theko e le ho boloka botsitso ba moruo.
Inflation ke Eng 'me E sebetsa Joang?
Re se re ntse re tseba hore na inflation ke eng, hobane bohle re e utloa letsatsi le letsatsi. Ke tlokotsi ea lichelete le ea maikutlo. Chelete ea rona ha e fihle hole ebile ha re khone ho reka e kaalo. Litheko lia nyoloha 'me ho bonahala eka ha ho letho le ka emisang terene ena e balehang.
Tlhaloso ea moruo ea theko ea lichelete e hlakile: Inflation ke keketseho e tsitsitseng ea theko e akaretsang ea thepa le litšebeletso moruong ka nako e itseng.
E ka lekanyetsoa ho sebelisoa li-index tse fapaneng, tse kang Index ea Theko ea Bareki (CPI), Index ea Theko ea Moetsi (PPI), le Gross Domestic Product deflator (GDP deflator).
Inflation e etsahala ha ho na le tlhokahalo e feteletseng ea thepa le litšebeletso. Ka tsela e fapaneng, tlhokeho e kholo ho feta phepelo, e etsa hore litheko li nyolohe. Nahana joalo ka balune - ha moea o ntse o eketsoa, balune e ntse e eketseha 'me boleng ba eona bo eketseha.
Lisosa tsa Inflation
Ha re tloleng ho eona hantle – Ke eng e bakang inflation?
Inflation e ka bakoa ke mabaka a 'maloa, a kang ho phahama ha theko ea lichelete, ho fokotsa litšenyehelo le ho phahama ha lichelete. Ho phahama ha theko ho etsahala ha moruo o ntse o hola ka potlako 'me ho na le tlhoko e phahameng ea thepa le litšebeletso, e lebisang khatellong e holimo ea litheko.
Ho phahama ha theko ea lintho ho etsahala ha theko ea tlhahiso e eketseha, joalo ka ka lebaka la litheko tse phahameng tsa thepa e tala kapa ho eketseha ha meputso. Ho phahama ha lichelete ho etsahala ha ho e-na le keketseho ea chelete ea chelete, e lebisang ho chelete e ngata ho lelekisa thepa le litšebeletso tse lekanang, ho khanna litheko.
Phello ea Inflation ho Moruo
Inflation e ka ba le litlamorao tse kholo moruong. E fokotsa matla a ho reka a chelete, kahoo dollar kajeno e tla reka tlase ho dolara hosane. Sena se ka etsa hore tlholisano e fokotsehe, kaha thepa le litšebeletso tsa lapeng li theko e phahameng haholo ha li bapisoa le tse tsoang linaheng tse ling.
Inflation le eona e ka baka ho hloka botsitso le ho thatafalletsa likhoebo ho rera bokamoso. Nahana ka sena joaloka ho bapala papali ea litulo tsa 'mino - ha 'mino o ntse o phahama, ho ba thata le ho feta ho fumana setulo seo u ka lulang ho sona.
Ho Sireletsa Lichelete Tsa Hao Sebakeng sa Inflation
Ho sireletsa lichelete tsa hau tikolohong ea inflation, ho bohlokoa ho fapanyetsana matsete a hau le ho fokotsa sekoloto. Nahana ka ho tsetela matlotlong ao ho seng bonolo hore a angoe ke ho nyoloha ha theko, joalo ka thekiso ea matlo le meaho, thepa le litoko tse nang le kotsi e tlase.
U ka boela ua nahana ka ho reka matlotlo a sirelelitsoeng ka ho inflation, a kang Treasury Inflation-Protected Securities (TIPS). Ho fokotsa sekoloto ho ka u thusa ho boloka matla a hau a ho reka le ho mamella litlamorao tsa inflation.
Seabe sa Libanka tse Bohareng ho Laola Inflation
Libanka tse bohareng li phetha karolo ea bohlokoa ho laola inflation ka ho lokisa sekgahla sa tsoala le ho laola phepelo ea chelete. Ka ho laola phepelo ea chelete, libanka tse bohareng li ka thusa ho laola tlhoko ea thepa le lits'ebeletso le ho thibela inflation ho tsoa taolong.
Ho fetola sekgahla sa tswala ho ka boela ha thusa ho laola ho nyoloha ha theko ka ho etsa hore batho le dikgwebo ba alime tjhelete, ho fokotsa tlhokeho le ho thusa ho boloka ditheko di tsitsitse. Nahana ka libanka tse bohareng e le li-umpires tsa papali ea moruo - li thusa ho boloka ntho e 'ngoe le e' ngoe e le ntle le e leka-lekaneng.
Keletso e Sebetsang ea ho Sebetsana le Inflation
- Fetisetsa High APR Credit Card Litekanyetso: Ho fokotsa litšenyehelo tsa hau, nahana ka ho fetisetsa litekanyo tse phahameng tsa karete ea mokitlane ea APR kareteng e nang le 0% APR bakeng sa likhoeli tse 6-18. Sena se ka u thusa ho boloka tsoala le ho u fa chelete e ngata eo u ka e lahloang ho sebetsana le litlamorao tsa inflation.
- Tsetela ho Matsete a Sirelelitsoeng ke Inflation: Nahana ka ho tsetela ho matsete a sirelelitsoeng ke inflation, a kang Treasury Inflation-Protected Securities (TIPS), e ka u thusang ho sireletsa matsete a hau liphellong tsa inflation.
- Kopanya Matsete a Hao: Ho fapanyetsana matsete a hau ka har'a mefuta e mengata ea thepa, joalo ka thekiso ea matlo le meaho, thepa le metšoasong, ho ka u thusa ho sireletsa lichelete tsa hau ho inflation.
- Qoba ho Boloka Chelete ka Tlas'a Materase: Se ke oa boloka chelete bakeng sa letsatsi la lipula ka tlas'a materase - inflation e tla senya boleng ba eona kapele haholo. Ho e-na le hoo, nahana ka ho tsetela likoloing tse nang le kotsi e tlaase, tse fokolang tse kang li-account tsa polokelo, li-CD kapa lichelete tsa 'maraka oa chelete.
- Qoba Thepa le Litšebeletso tse Atlehang ka ho Fetisisa ke Inflation: Ho thusa ho fokotsa tšusumetso ea inflation, qoba thepa le litšebeletso tse anngoeng haholo ke inflation, joalo ka theko ea maemo hore u ka ha e le hantle etsa ntle le.
- Boloka Mosebetsi oa Hao: Qoba ho etsa lintho tse ka ’nang tsa u felloa ke mosebetsi sebakeng seo litheko li ntseng li phahama butle-butle. Tsepamisa maikutlo ho aheng bokhoni ba hau, ho ntlafatsa ts'ebetso ea hau ea mosebetsi, le ho iketsa motho oa bohlokoa ho mohiri oa hau.
- Fokotsa Sekoloto: Ho fokotsa sekoloto ho ka u thusa ho boloka matla a hau a ho reka le ho mamella litlamorao tsa inflation. Tsepamisa maikutlo tabeng ea ho lefa sekoloto sa tsoala e phahameng pele, 'me u nahane ka ho kopanya likoloto tsa hao ho fokotsa litefello tsa tsoala.
- Reka Bohlale: Sebelisa monyetla oa thekiso le lipapatso, 'me u nahane ka ho reka ka bongata ha litheko li le tlase ho boloka chelete ha nako e ntse e ea.
Ka ho latela malebela ana, u ka thusa ho sireletsa lichelete tsa hau le ho mamella litlamorao tsa inflation. Hopola, senotlolo ke ho ba mafolo-folo le ho laola lichelete tsa hau, ho e-na le ho ba lehlatsipa la ho theoha ha theko.
