2023年6月22日

一瞥宏利投資管理公司和信托公司股票主管馬克Canizares解釋說,隨著通脹侵蝕的購買力現金,消費者將能夠購買它在未來比今天。盡管銀行將提供更高的存款利率,股票、債券、和一些收益導向型投資有可能帶來長期回報高於現金。宏利投資管理公司和信托公司(宏利IM菲律賓)警告說,僅僅持有現金可以是一個危險的策略相比,投資於股票市場的購買力貨幣隨著時間的推移逐漸減少由於通貨膨脹。周四在一份聲明中,6月22日,宏利IM菲律賓股市負責人馬克Canizares解釋說,隨著通脹侵蝕的購買力現金,消費者將能夠購買它在未來比今天。盡管銀行將提供更高的存款利率,Canizares仍指出,股票,債券,和一些收益導向型投資有可能帶來長期回報高於現金。Canizares然後顯示一個簡單的計算,說明了持有現金的潛在風險相比,投資於股票。他的計算探討了現金回報率從2011年到2021年,按照3個月期美國國債的年回報率,這是記錄在0.47%。然而,當經通貨膨脹因素調整後在同一時期,平均為2.17%,實際收益率為- 1.7%。從另一個角度看,如果一個人在2011年投資100000美元的國債,他們的購買力將會在2021年減少至84243 .26美元。相比之下,投資100000美元在S&P / TSX綜合紅利指數同期10年期間會產生更高的回報。 With an inflation-adjusted annualized return of 7.22 percent, this investment would have resulted in a buying power of $200,797.37. Investors should also take into account the impact of real interest rates on their returns, Canizares said. Between January and February this year, the annual nominal interest rate on three-month term deposits in many Asian countries ranged from 2.5 percent to 5.4 percent. However, this figure does not reflect the effect of inflation. When adjusted for changes in the consumer price index during the same period, the real three-month time deposit annual interest rate was found to be much lower, ranging from negative 5.2 percent to 1.09 percent. “History tells us that equities, bonds, and some income-oriented investments have the potential to deliver higher long-term returns than cash and could potentially outstrip inflation,” Canizares said. Between 2009 and 2022, Asian equities and bonds had compounded annual nominal returns of 8.15 percent and 4.38 percent, respectively. Real estate investment trusts in the Asia-Pacific region also generated an annualized return of 11.38 percent. Canizares said one of the main benefits of these investments is that they are managed by professionals who can help investors navigate market risks and volatility. Additionally, investing in these asset classes can benefit from cost averaging and risk diversification. “That's not to say that holding cash always leaves us at a disadvantage. There is a time and place for retaining a certain amount of cash, particularly for immediate expenses or short-term financial needs,” Canizares clarified. “Yet if cash is destined for future spending, then it should be invested accordingly. Storing away cash for long periods is similar to voluntarily reducing the monthly savings or agreeing to lower the salary each year,” he said. related stories