高通脹環境下的投資策略

How much debt per person in the US as of Feb. 2026?

As of February 2026, the total US national debt equates to approximately $113,000–$116,000 per person in America. This figure represents each citizen's share of the federal government's total outstanding debt, which has surpassed $38 trillion. This is distinct from, and much higher than, average personal consumer debt. 

 

 

How much debt incurred during 2nd Iraq war, Afghan war?

2-3T, 2-6T, respectively.

 

How can the government repay the interest and the debt itself?

 

The government repays debt and interest primarily by generating tax revenue, issuing new debt to pay off maturing bonds (rolling over debt), or, in extreme cases, through inflation. Because the U.S. government operates in perpetuity, it rarely pays off the total debt, instead relying on economic growth to make the debt manageable relative to GDP. 

 

Here are the primary methods for repaying government debt and interest

• Tax Revenue: The government uses tax income from individuals and corporations to pay the interest on outstanding debt.
  • Given there is always pressure to cut tax, this is not likely
• Issuing New Debt (Rolling Over): When bonds mature, the Treasury often issues new bonds to pay off the principal of the old ones. This "rollover" allows the government to maintain its debt load without paying it off immediately.
  • Possible, but less likely
• Inflation ("Inflating it Away"): If inflation rises, the real value of the debt decreases, making it easier to pay back with future, less valuable dollars
• Economic Growth: A growing economy (GDP) increases tax revenues without raising tax rates, allowing the government to service debt more easily.
  • Likely, but unprecedented

• Central Bank Purchasing: The Federal Reserve can buy government securities on the open market, injecting liquidity into the system, though this is a form of money creation. 

  • Similar to “inflation”. 

上下幾千年，通脹是時間證明了的減債方法。

What can individual investors do to best deal with persistent inflation?

To best deal with persistent inflation, individual investors should diversify into inflation-resistant assets like stocks, real estate (REITs), and Treasury Inflation-Protected Securities (TIPS). Focus on long-term growth by avoiding reactive, emotional decisions and utilizing dollar-cost averaging to manage volatility. Additionally, reduce high-interest debt, cut unnecessary expenses, and maintain a diversified portfolio to protect purchasing power. 

 

關鍵投資策略

 

股票及分紅股票：投資於定價能力強、資產負債表穩健的公司，因為股票的曆史表現通常優於通貨膨脹。

 

建議：放眼國際市場！

 

房地產投資信托基金（REITs）：由於租金通常會隨通貨膨脹上漲，REITs 可以起到對衝作用。

 

建議：購買出租物業

 

通脹保值債券（TIPS）和大宗商品：通脹保值債券（TIPS）會根據通貨膨脹率調整本金，而大宗商品（例如黃金）在高通脹時期通常會升值。

 

避免閑置資金：將資金從低息賬戶中取出，因為通貨膨脹會削弱購買力。

 

 

Key Investment Strategies

• Equities & Dividend Stocks: Invest in companies with strong pricing power and balance sheets, as stocks historically outpace inflation
  • Go international!
• Real Estate Investment Trusts (REITs): These offer a hedge as rents often rise with inflation.
  • buy rental properties
• TIPS and Commodities: Treasury Inflation-Protected Securities (TIPS) adjust principal based on inflation, while commodities (e.g., gold) often rise in value during high-inflation periods.
• Avoid Idle Cash: Move money out of low-interest accounts, as inflation erodes purchasing power. 
  • 注：留現金看樣子是個不好的辦法