Assuming that prices will increase at the current CPI (6%) in 20 years, what can be bought at 100 yuan 20 years ago will be in 320 yuan in 20 years.

Then shrinkage is inevitable!

The above confirms why it is the most uneconomical to deposit money in the bank at present. The insurance company said-this product can effectively prevent inflation. . . . This is actually a propaganda slogan, so don't take it too seriously, because nothing can stop the currency, which means that contraction is inevitable.

However, commercial endowment insurance has an advantage, that is, compulsory savings. Because you have to pay money regularly and quantitatively every year, you will lose money if you quit halfway, so you have always saved it. The compound interest of the insurance industry is far from the bank's income in the middle and late stages. Most importantly, you finally saved a sum of money through insurance.

If you must persist in "preserving value", please find a stable channel to make your 100 yuan reach at least 106 yuan next year, otherwise it will not be realized.