Introduction: 2024 is coming, for owningFixed DepositsFamilies, they need to be prepared for both. The first is to be psychologically prepared for the continuous reduction of deposit interest rates, and the second is to be psychologically prepared for cautious investment. For robust typeInvestmentsThere is an option to lock in the deposit for a longer period of time to ensure a fixed interest rate. And for those who are willing to take a certain riskInvestmentsAsset diversification can be carried out to reduce risk and obtain higher returns. However, in the faceDeposit interest ratesDowngrade the case, blindlyInvestmentsIt's not wise, choose carefullyInvestmentsbreed and be patient and wait for the good oneInvestmentsOpportunity. Only after the bubble is gone, can it be ** and raisedInvestmentsProbability of success. Therefore, in the deposit market in 2024, households need to be prepared for possible changes.
Since the beginning of this year, there have been significant fluctuations in the domestic resident deposit market, and domestic resident deposits increased by 14 percent from January to September42 trillion yuan. However, withFixed Depositsof the increase,BanksStart passingCut interest ratesto induce depositors to withdraw their deposits forInvestmentsand consumption. After entering October, domestic residents' deposits fell by 636.9 billion yuan. This decline is mainly attributed to two reasons, one is:Deposit interest ratesThe continued downward adjustment has led some people to choose to withdraw their deposits for othersInvestmentsand consumption. Second, it is difficult to increase residents' incomeCost of livingHowever, it remains high, resulting in many families being unable to save money. So, in 2024, haveFixed DepositsFamilies need to be prepared for both.
In order to copeDeposit interest ratesThere are a number of strategies that savers can adopt to protect their interests. For the robust typeInvestmentsYou can choose to store your deposit for a longer period of time to ensure a stable interest rate. AlthoughDeposit interest ratesIt is possible to cut it again, but for savers, this no longer has a direct impact. However, when choosing a deposit tenor, it is also necessary to take into account the issue of liquidity to avoid the situation where the deposit cannot be withdrawn in advance.
On the other hand, for those who are willing to take a certain amount of riskInvestmentsFaceDeposit interest ratesDownward adjustment, asset diversification can be carried out. For example, ifInvestmentsIf you have a deposit of 1 million yuan, you can use 500,000 yuan to purchase large-amount certificates of deposit, treasury bonds, etcFixed incomevariety, will be 300,000 yuanInvestmentsFor structured deposits, low riskBanksManage your moneyproducts, etc. Finally, the remaining 200,000 yuan is used for purchaseBanks, becauseBanksIt can be given annuallyInvestmentscash dividends. Such a configuration can obtain both highInvestmentsearnings, and at the same time willInvestmentsRisks are minimized.
However, it should be noted that in progressAsset allocationtime, according to your own risk toleranceManage your moneyThe goal is to choose the right breed. At the same time, it is also necessary to pay close attention to market changes and adjust in timeAsset allocationto make sureInvestmentsBalance of benefits and risks.
FaceDeposit interest ratesMany people began to think about itInvestments, real estate, etc., hoping to obtain higher returns. However, the current domesticInvestmentsThe environment is not ideal, and the risks associated with high returns are greater. A lot of people are inInvestmentsThe market lacks adequateManage your moneyKnowledge and experience, blindlyInvestmentsIt will only increase the probability of losing money. Therefore, in the absence of a clearInvestmentsOpportunity and sufficientManage your moneyknowledge of the case, keep the funds inBanksDeposit and wait for betterInvestmentsThe opportunity has come, and it is a wise choice.
At this stage, many goodInvestmentsOpportunity needs to wait. For, real estate and other popular onesInvestmentsIn terms of the field, the existence of bubbles is inevitable due to the over-hype of resources. Hence the blindnessInvestmentswill be exposed to the risk of loss. Therefore, haveFixed DepositsFamilies should be patient and wait for betterInvestmentsThe opportunity has come. Only after the foam has been squeezed clean can it be **. Doing so can be a big improvementInvestmentsProbability of success.
It's worth mentioning, okayInvestmentsOpportunities don't happen overnight, they need toInvestmentsPatience and perseverance. WhileInvestmentsThey also need to continue to learn and research to improve themselvesManage your moneylevel of knowledge in order to better graspInvestmentsOpportunity.
Conclusion: 2024 is coming, for owningFixed Depositsshould be prepared for both. On the one hand, savers need to be prepared for the continuous decline in deposit interest rates by choosing the right deposit term and diversifyingAsset allocationto protect their own interests. On the other hand,InvestmentsYou should be prepared to invest cautiously and avoid blindnessInvestmentsrisks. Only be patient and wait for the good oneInvestmentsThe arrival of opportunities can be in the fluctuationsInvestmentsmarketplace for better yields. So, in the new year, have:Fixed DepositsFamilies need to develop a suitable one according to their own situationManage your moneyPlan to better respond to possible challenges and changes.