The most important assets of an ordinary family are real estate and savings.

Since the policy of "housing is not for speculation" was implemented in 2021, the value of real estate has started to depreciate, and in August of this year, major banks have lowered the interest rates on deposits.

From this, it can be seen that the depreciation of assets in the current and next year is inevitable.

We cannot decide the trend of asset depreciation, but we can control the extent and speed of asset depreciation according to relevant policies.

Ordinary families do not need to panic when facing asset depreciation. The society faces the same problem under the overall trend, but as long as we are prepared for asset depreciation, we can avoid most of the pitfalls.

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Experts suggest that when assets depreciate, do not do these 4 things, each of which is related to the current and future life, and must be taken seriously.

1. Do not follow the trend to invest

No matter how mysterious banks and financial institutions say, investment is risky. Professional investment institutions will definitely tell us the profit rate and risk value of investment.Only those who exaggerate profits and downplay risks are fraudsters, because the greater the investment risk, the higher the potential profit. This is also the reason why many people are willing to take risks,

but most people do not have professional financial knowledge, so they are easily influenced by the internet and follow the trend of investment.

Investment should be cautious, because the threshold and risk of ordinary people's investment are often higher, and it is easy to fall into a scam without professional people to make strategies.

The most famous scam is the Ponzi scheme, which many pyramid schemes use to make a profit without investing, using the money of new investors to repay old investors, creating a false image of stability and high profits.

The most eye-catching investment this year should be the "gold rush", with gold prices rising almost every day. Many fraud groups use the advertisement of "guaranteed profit" to attract investment, with the amount of investment around several hundred thousand.

Insiders know that several hundred thousand is not even enough to reach the investment threshold, and the minimum threshold of many financial institutions is 1 million, and the highest threshold even exceeds 10 million.

Fraudsters aim at the mass group of people who cannot reach the investment threshold and have idle money in their hands. They often exaggerate the value of collectibles, Bitcoin, and digital collections, and one trick after another makes people unprepared.

The best way to prevent being deceived is not to invest blindly, especially in areas that you are not familiar with and do not understand, and never invest impulsively after listening to a few words from relatives and friends.The more hyped an investment is in society, the more likely it is to collapse overnight, such as the real estate bubble and the internet bubble that left countless people with nothing to show for their investments. Ordinary people, influenced by the fervor of others, often lose their rationality.

The most friendly investment for ordinary people is one with low risk and low return.

The investment return is higher than bank deposits, and the funds are not idle, which can be described as worry-free and effort-saving.

The best way to reduce investment risk is not to put all your eggs in one basket, but to diversify investments. However, this approach requires a higher demand on the investor's cash flow.

If ordinary people do not have professional knowledge and investment vision, it is better to listen to the opinions of professionals and buy some low-risk financial products.

During the investment process, it is important to manage risks well, to pay attention to investment dynamics in a timely manner, and to withdraw funds immediately if the situation is not right, to avoid losses due to market fluctuations.

If the loss is not caused by the mistake of the financial institution, the investor will not receive compensation, because investment and risk are inherently intertwined.II. Avoid Overconsumption

In the past, people commonly engaged in consumption ahead of their means using loans and credit cards, and it was often for large amounts.

This consumption concept has triggered uncontrolled behaviors such as online lending and deceptive lending, which have shattered many families.

Nowadays, the widespread use of mobile payments has not only failed to reduce consumption ahead of means but has also provided a more convenient way for such consumption.

Payment methods like Alipay and Huabei have led many young people to develop the habit of consuming ahead of their means, and even overconsumption has emerged.

Overconsumption is a typical case of spending tomorrow's money to fulfill today's dreams, which has already become very common abroad.

The advantage is that it can stimulate consumption, but now it has been extended by people to mean robbing Peter to pay Paul, leaving many young people heavily in debt at an early age.

A survey conducted in 2019 found that 86.6% of young people in our country use credit products, and nearly 41% of young people are in debt, with consumption ahead of means becoming a habit.

Nowadays, mainstream shopping platforms, such as JD.com, Taobao, Tmall, and Pinduoduo, all allow consumption ahead of means, and the dangerous aspect of this behavior lies in weakening people's concept of money.The consequence of young people spending money without pain and without restraint is that their wallets become increasingly thin, with no bank savings and unable to afford cars or houses.

If they encounter asset devaluation, life for young people will become even more difficult.

We save money to add a safety lock to life to cope with unknown risks.

Excessive consumption allows the speed of spending to exceed the speed of saving, and then the final result people face may be the inability to repay debts.

Under the condition of asset devaluation, people's financial situation will be worse, and at this time, moderate consumption can ensure that everyone can get through the economic fluctuations smoothly.

Although consumption is one of the three engines driving economic growth, the premise is that people must have money in their pockets. And there must be a stable income in the future, so that continuous consumption can be sustained. If there is always excessive consumption at present, it will only increase anxiety.

This does not mean that we cannot consume in advance, but we need to have the ability to repay. It is best not to blindly follow the trend and buy some expensive electronic products and popular clothing.Under the premise of having no debts, it is appropriate to consume moderately in advance. People with debts must plan the balance between consumption and expenditure in advance, especially those who plan to buy cars and houses, as both involve loans.

Our current debt situation will directly affect the bank's assessment of credit and credit limits, and also determine whether the loan can be successfully granted. Therefore, it is wiser to consume in advance after having an economic foundation.

III. Do not impulsively resign

Employment is the biggest livelihood issue. Relevant data shows that there are 11.79 million graduates this year, while the number of unemployed people in 2023 is as high as 10.74 million. Many graduates are facing the situation of unemployment upon graduation.

Although the epidemic has ended, the negative impact still exists, one of which is the employment issue. A large number of enterprises went bankrupt and closed during the epidemic, and the situation has improved to some extent after resuming work and production.

However, economic recovery requires a certain amount of time, and the bankrupt enterprises cannot be restored overnight. What's more critical is that small and medium-sized enterprises would rather idle funds than invest in building factories.

The proportion of investment and entrepreneurship has declined, which has not essentially increased the number of employment positions in society.

This is also one of the factors leading to a sharp increase in the number of people taking postgraduate entrance exams and civil servant exams, and the intensification of social involution. On one hand, there are a large number of undergraduates graduating on time, and on the other hand, there are layoffs due to unsatisfactory business conditions of enterprises. The occurrence of these two factors at the same time makes the already unsatisfactory employment situation even worse.The industry with the most layoffs is undoubtedly the real estate sector, with more than 50 real estate companies laying off over 180,000 employees. Some companies have laid off 70% of their staff within a year, and the layoffs are still ongoing.

The situation in other industries is also not optimistic. Alibaba laid off 20,000 people in 2023, Tencent laid off 3,000 people, and companies like ByteDance and JD.com also have plans for layoffs.

Many companies are reducing costs through layoffs. Behind the wave of layoffs, we find an increase in the number of delivery personnel and couriers.

This is not surprising, as most of the unemployed population has difficulty finding work in a short period of time and have no choice but to choose this path due to the pressure of making a living. In such an environment, resigning is equivalent to unemployment.

It is not easy to find a good job after becoming unemployed, especially for middle-aged people with elderly parents and children to support. People without connections, background, or savings simply do not have the courage to resign.

Our ideal job should bring a sense of achievement and satisfaction, but now people only have complaints about their work, which is humorously referred to as "work bitterness" by netizens.

Although work is not as ideal as we wish, it is not recommended for everyone to resign impulsively in the current economic situation and asset devaluation to avoid an economic crisis.

IV. Lack of Long-term PlanningSociety is filled with various uncertain factors, which makes people more negative and anxious.

Every day, they think about getting by and lack confidence in the future.

Despite this, we should also try to make plans.

The difference between making plans and not making plans is huge.

Taking the initiative to make plans is to set goals for oneself, and the time management, efficiency, and sense of achievement will be higher than others.

People who do not make plans are more passive, relying on others to set goals for themselves. Such people are not good at dealing with sudden social situations and changes, and they are more prone to health and psychological problems.

We are not unfamiliar with planning, most people grow up in such plans as elementary school, junior high school, and high school.

Career planning, emotional planning, and financial planning during college are also very practical.Most companies engage in planning, ranging from three to seven years in duration.

These plans encourage companies to achieve their goals with a down-to-earth approach, enhancing competitiveness and profitability.

People should also manage their lives like running a company, setting goals and long-term plans for themselves. Long-term planning includes work, finances, health, and psychological conditions.

If you are unsure whether to resign now, you can first assess the difficulty of finding a job and the financial situation after unemployment before making a decision. This allows us to have a clearer understanding of ourselves and makes planning a habit.

With planning, the likelihood of the above three events occurring will be greatly reduced.

To improve financial conditions, one will voluntarily limit excessive consumption, manage investments well, and change the situation of high debt among young people.

The depreciation of assets in the next two years is a foregone conclusion, with the value of real estate and bank deposits in society declining.

In addition, the risk of epidemics brought by the pandemic is also on the rise, and we need to plan to resist these risks.

When we make plans, we will pay attention to the current social situation and future development trends. This information gap can help us make wiser choices and enhance our competitiveness in the workplace.Long-term planning requires perseverance above all else. The results may not be apparent in a day or two, but when you extend the time frame to a year or two, you are very likely to gain a sense of achievement, which can also alleviate most of the anxiety.

Conclusion

China is currently in a period of structural transformation and technological renewal. Coupled with the era of low-interest bank deposits, economic devaluation, functional devaluation, and physical devaluation are inevitable.

Although asset devaluation can affect work and financial status, as long as you remain rational, you can ensure a basic standard of living. The three things mentioned above must not be done, as they will increase financial burdens and unknown risks.

When money becomes less valuable, our purchasing power will decrease, and the risks of investment and idle funds will increase. Therefore, it is necessary to think about countermeasures as soon as asset devaluation begins.

We do not know how long this round of capital devaluation will last. A few people can share the devaluation risk through diversified investments, but ordinary people can only rely on savings to resist the risk.