Clipping of news on Brazilian Culture, Law and Citizenship
01/12/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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In 2014, the Consumer Price Index (IPCA) was 6.41%, up 0.5 percentage point to inflation of 2013 (5.91%). It was the largest annual increase of prices since 2011, when inflation was 6.5%.
The result was below the target ceiling set by the Central Bank (4.5% with a margin of two percentage points up and down), but the year starts with economists and market analysts predicting inflation above the target in 2015 (6.56%).
"Inflation December [0.78%], although higher than the November [0.51%], eventually leading the index down by a statistical issue: in 2013 the price had gone up a lot in the same period (0 , 92%). that's what held the 2014 index in late 2014. But in 2015 there will be a lot of pressure in administered prices, then it will be even more complicated accomplish the goal, "says economist Paul Picchetti, indexes specialist inflation of the Getúlio Vargas Foundation.
Want to know how to protect their money from high prices and make the salary back to left over at the end of the month? The BBC consulted financial analysts and economists who suggest seven strategies:
1) Invest
The higher inflation, more is lost by leaving the money saved should be stopped and higher remuneration for an investment to be able to get real gains with it.
Given the current volatility of the economic environment, many financial analysts have recommended fixed income investments such as government bonds or investment funds and other financial products linked to such securities (LCI and LCA CBD).
"And as it is expected that interest stop rise between April and mid-year, the preference would be by pre-set," says Michael Viriato, Insper teacher.
The savings, despite the advantage of being exempt from income tax and management fees, loses more and more attractive with higher interest rates. "Last year, for example, those who invested in savings had a net gain of about 0.6%, almost nothing," says Viriato.
For the economist and financial consultant William Eid, an option for those with more resources (over $ 100,000) is investing in Brazilian bonds abroad. "Several companies issue securities abroad," he says. "In addition to protection against inflation, we still have a currency hedge."
In the past the buildings were once considered a good hedge against inflation. For Eid, however, the bad prospects for economic growth, which should stop the real estate market, make it less attractive option.
"The homes are a good investment for many years because appreciated enough, but this was something off. Today not recommend as an investment," agrees Viriato.
2) Negotiate increases
For that money continue (or start) the leftovers later in the month, even with the high prices, experts recommend that, whenever possible, to negotiate increases of consumed products and services.
"Of course you can not bargain the price of meat in a supermarket, but might do so in a neighborhood market in buying often," says Mauro Calil, financial consultant and founder of the Academy of money.
"If your child's school increases are unreasonable - if they are 10%, 20% much higher than the official inflation (6.41%), it is worth joining with other parents to question why this increase and ask for a reduction, "says economist Samy Dana, FGV.
"After all, his salary will not rise all that."
3) Search prices
In times of hyperinflation in the 80s and 90s, had to run from one store to another to find prices. And often gotten where the cheapest place, the consumer was surprised by a price adjustment on site.
Today, not only inflation at lower levels facilitates comparison, as the internet is a great ally of those who want to protect from high prices.
"Search prices is a task that every consumer should do before you go shopping - and today, with the internet, it is much easier," says Dana.
He says that people today can not only enter the site of the companies to check prices, as well as a number of apps and sites where people can compare different places (like Buscapé, Zoom and Rates Tip, to mention a few examples ).
4) Postpone purchases
Many businesses do deals after festive dates. So buy what you need in January instead of December, can mean much lower prices.
According to analysts, the more a consumer postpone buying better - and not only because of the possibility of getting promotions.
"Often people do not buy out of necessity, but on impulse," says Viriato, Insper.
"While waiting for a while before purchasing them have a chance to see if you really need - or want -.. Make acquisition Moreover, with more time to research may find that the purchase was not a good deal"
Replace brands or products may be an option for those who want to reduce the impact of high prices on the budget
5) Replace consumables
One way to reduce the impact of inflation on your budget is to cut the products that you realize you are getting more expensive and replace them with similar products or other brands.
Of course, nobody is obliged to replace meat for chicken or egg - suggestion made by former secretary of economic policy of the Ministry of Finance Márcio Holland, which caused great controversy last year.
"But everyone can do an analysis of your spending profile to understand what products and services are important fact in your life and what I call 'foolish spending', that is, those things that people end up spending too, but do not bring them lasting well-being, "says Calil.
"These are expenses that must be cut or replaced."
Viriato, Insper, gives the example of the item "food away from home" one of the fastest rose last year, according to IBGE.
"It can be difficult for the worker to take lunch to work -. It will take to cook, carry and store lunch somewhere But if he can take at least a snack, you probably have more money at the end of the month," he says.
6) Group Purchases
According to Dana, another feature that can help consumers to circumvent the high prices are the collective shopping in shopping clubs and 'atacarejos' - shops that sell wholesale to individuals.
These stores offer a much cheaper price for large quantity purchases. "Many families are joining to buy these places without having to leave with a huge stock at home," he says.
According to the Nielsen consulting, in the first half of last year, sales increased by 9% in atacarejos to 2013.
Prices would be lower than retail in 69% of the items surveyed by Nielsen. And, according to Calil, can get to be 30% lower.
One of the measures to be taken by those who adopt by this option, however, is to check the expiration date of the products. It is also necessary to consider that some shopping clubs charge an annual membership of its members.
7) stock cheap products
For some advisors, worth buying in large quantities a product that the family consumes often if it is found on sale.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.