Chest deposit, jeopardy!
Recently, the exam questions for junior high school “entrance exams” are quite difficult.
For example, “As the corona epidemic, the outbreak of war, the depreciation of the yen, and major incidents that turn the economy upside down continue, everywhere
Prices are rising.
However, some companies kept their selling prices unchanged without raising prices.
Explain how they think they responded to the increased costs.’
The problem pops out.
An example of a model answer is “I reduced the amount of the product without changing the price.”
It’s called “stealth price increase”.
“Stealth” is a colloquial name for stealth fighters that do not get caught by radar, but the quantity has decreased.
If so, it is effectively a price increase.
In addition, social mechanisms such as “reviewing the manufacturing process to reduce costs” and “searching for cheap raw materials”
They are asked to answer questions that they cannot answer if they do not understand.
Adults, you can’t be defeated by a sixth grader.
McDonald’s, a fast food restaurant, raised the price again on the 16th.
The main products cost about 20~40 yen, and some of them increased by 100 yen.
The double cheeseburger went from 231 yen to 350 yen last spring, 370 yen in the fall, and 400 yen this time.
Well, originally, it was 350 yen at the time of release, but it was lowered to attract customers, so
It went back to the original and went up by 50 yen, but the shock to consumers was great.
It seems.
It’s not just hamburgers.
Prices have been rising evenly everywhere.
Looking at the figures released by the Ministry of Internal Affairs and Communications on December 10, the inflation rate in December excluded fresh food (compared to the same month of the previous year).
Food products as a whole rose 7.5%.
Among them, the largest ones are, for example, cooking oil is 32.5%, anpan is 18.4%, and imported beef is
It seems to have gone up 13.1%.
Energy charges such as electricity and gas are 26%, taxi fares are 14.4%, and mobile terminals such as smartphones are
That’s an increase of 22.1%.
This will cool people’s willingness to spend, and the economy is likely to fall further rather than recover.
The rush of price increases will continue in the future.
Although it is not the test question mentioned at the beginning, companies cannot pass on the increase in cost to Matomo to the price of the product.
Since it seems that there are many cases where it is located, it is not even possible to raise the price of stealth, underground hiding cost
should be accumulating in the pool, right?
If firms’ efforts exceed the limit, they will erupt all at once, and prices will jump sharply, or firms will
Will it collapse…?
The problem is that while prices are steadily rising, people’s incomes are not keeping up at all.
Are.
Income does not increase.
The government is poised to maintain zero interest rates as usual, so interest on deposits on hand is expected to increase.
Not even.
Perhaps because the situation of “not increasing” has lasted for so long in recent decades, many people are saying that even if it does not increase,
If the principal was guaranteed for the time being, you may have become satisfied with that.
However, this is a scheme that can only be achieved in a deflationary situation in which prices have been kept low.
If only prices rise and interest on deposits does not increase, the value balance of value will be unbalanced and the value of money will fall.
According to the latest data, the consumer price inflation rate reached 3.7%, the highest level in 40 years.
With zero interest, the “real deposit interest rate” would be -3.7%, and if this situation continued for three years,
A bank deposit of 1 million yen will effectively reduce its value to just under 900,000 yen.
Statistical estimates show such figures.
It can be said that there is no such thing as a principal-guaranteed “safe asset” anywhere.
As inflation progresses, if nothing is done, the “value” of the money in the chest of drawers will decrease.
The same is true for bank deposits that do not increase just by placing them.
The only workaround is to consider and implement safe asset management.
It seems that the government finally realized the importance of money education and incorporated it into the school curriculum.
However, even those of us who have been adults for 10 years have studied a little and are safe with low risk.
I think we need to think seriously about how to protect our assets.
By Admin|2023-01-20|2023,News Release|