Introduction: For the elderly over 60 years old, savings are their confidence and security. However, in the process of depositing, they need to be vigilant against health supplement scams, pay attention to the safety of deposits, be cautious about handing over savings to their children, and avoid the problem of depositing for too long. Below, combined with the conscientious advice of the bank manager, we will delve into these four questions and give some suggestions.
Nowadays, there are some criminals in society who focus on the pension money of the retired elderly. They take the opportunity of the elderly to be greedy for small bargains, and trick the elderly into buying health care products or rare health products by giving out small gifts and holding "health lectures". However, these products actually have limited efficacy and may even cause harm to the health of the elderly. Therefore, the elderly should be wary of such scams, do not easily believe the propaganda that exaggerates the efficacy of the product, and avoid being deceived.
In addition, in order to increase the security of the deposit, the elderly can choose to buy part of the deposit for treasury bonds or large certificates of deposit stored in the bank. As a first-class debt instrument, treasury bonds have lower risk and more stable interest income. However, large-denomination certificates of deposit not only have higher interest rates, but also can be flexibly withdrawn after the maturity of the deposit, providing a certain amount of liquidity.
Many elderly people will become more dependent on their children after they reach the age of 60. However, the old people should know that the biggest confidence and security in their later years is savings. Therefore, do not rush to give your savings to your children unless absolutely necessary. This money is eventually inherited by the children, so the elderly should take good care of their savings to avoid regrets by giving them to their children in advance.
For example, a neighbor aunt I know made this mistake. She used to make some money in business and saved a deposit. However, due to her son's repeated soft grinding and hard bubbles, the aunt handed over the deposit to her son in advance. As a result, no one wants to come back to take care of her when her aunt is sick, and she ends up alone. The incident caused a lot of discussion in the community, and people felt irrational about Auntie's decision. Therefore, the elderly should be sensible and not easily hand over their savings to their children.
There are two forms of bank deposits: deposits and wealth management. In contrast, deposits are safer, and wealth management is more profitable. Young people can buy wealth management products appropriately, but for the elderly, it is best to avoid touching wealth management products. Although wealth management products have high returns, they also increase their risks. Therefore, bank managers suggest that the elderly choose large certificates of deposit or buy stable treasury bonds when depositing, which can not only ensure the safety of funds, but also obtain more stable interest income.
Elderly people should also consider the liquidity of funds when making deposits. If the deposit is fixed for too long, once it needs to be withdrawn early, there will be a default problem, and the interest income will also be affected. Therefore, the elderly should leave a certain amount of room for themselves to move when saving money to ensure that they can withdraw funds in time in case of emergencies and respond to emergencies.
Summary: Savings are essential for people over the age of 60. During the deposit process, they should be wary of health supplement scams, choose a safe deposit method, be cautious about handing over the deposit to their children, and avoid depositing for too long. These principles will help older people to ensure quality and stability in their old lives. Older adults should keep these lessons in mind if they are to enjoy their old age in peace.