At present, it has become a general trend for banks to cut interest rates, and major state-owned banks have recently lowered their deposit interest rates, and the listed interest rates of different types and maturities of deposits have been reduced by 01 to 025 percentage points. This represents a reduction in interest on deposits, which is undoubtedly not good news for savers. Especially for those who rely on interest on their deposits to survive, their financial situation may be affected by this.
Cutting interest rates has become a major trend right now, and it's likely to continue. At present, banks need to reduce the loan pressure of enterprises by lowering interest rates to support the development of the real economy. However, the bank's profit model dictates that they need to keep the interest on loans down by lowering the interest on deposits in order to maintain their differential income. This means that banks tend to cut into depositors' earnings in the pursuit of a balance between gains and losses. In addition, Chinese generally prefer to save money, so the demand for deposits by banks will be relatively high, further stimulating the trend of interest rate cuts. Therefore, for ordinary depositors, it has become a very helpless reality that the interest on deposits is getting less and less.
In the face of the trend of interest rate cuts, how to protect their money bags has become a common concern. In addition to deposits, there are a number of other investment channels to consider. In fact, it's not just deposits that offer low risk and soundness. Below I will compare several common investment products::
1.Bank fixed deposits: Although the interest rate has been lowered, its advantage is that the risk is low, especially for deposits of less than 500,000 yuan, there is almost no risk. However, the disadvantage is that there is a certain risk in the interest rate of deposits higher than 500,000 yuan, and the interest rate is constantly decreasing. In addition, bank fixed deposits cannot be withdrawn flexibly and cannot be withdrawn in advance once they are deposited.
2.Savings insurance: The average annual rate of return on savings insurance is usually 3Around 5%, it seems that the returns are higher and the risks are relatively low. However, savings insurance needs to be paid continuously for a period of time to make a significant profit, and it is not possible to withdraw part of the savings during the payment period. Therefore, compared to deposits, savings insurance is less flexible than deposits.
3.Bonds**: On Alipay, you can find some bonds with continuous positive returns**, and their yields are usually 258% to 4between 98%. The advantage of the bond category** is that there is no historical record of losses, and since it mainly invests in AAA-rated bonds, the funds can be withdrawn at any time. Compared with deposit and savings insurance, bonds** have more advantages in terms of flexibility and returns. However, it is important to note that bond yields tend to decline gradually, so yields may decrease.
By comparing the above three products, we can find that bonds with continuous positive returns** are relatively more competitive after interest rate cuts. For investors who are looking for relatively stable income and have high liquidity requirements, bonds** may be an option worth considering.
In addition to the investment aspect, for some specific user groups, using Alipay's wealth black card may be a good choice. Black card users can enjoy some privileges when purchasing wealth management products, such as the reduction of withdrawal fees and preferential rates. In addition, the black card also provides some personalized services, such as real-time interpretation of investment track dynamics, macro policy interpretation and so on. For those who want to access more financial information and enjoy more exclusive services, a black card may be an option worth considering.
Interest rate cuts have undoubtedly brought certain economic pressure to depositors, so how to protect their money bags has become an urgent problem to be solved. In addition to deposits, savers can consider other low-risk investment channels, such as bonds**. And for some specific user groups, using Alipay's wealth black card may be a good choice.
When choosing investment products or using wealth management tools, savers should make a judgment based on their own risk appetite and capital needs. Investment is an act of both risk and return, and different investment methods have different characteristics and risks. Therefore, before making an investment decision, savers should fully understand their risk tolerance and investment goals, and make an informed choice after a thorough evaluation.
Finally, I would like to emphasize that protecting your purse is not only about choosing the right investment channels, but also about cultivating good financial habits and enhancing financial literacy. Only through continuous learning and accumulation, and making wise decisions in the process of financial management, can we truly protect our money bags and achieve financial freedom.