The 3 taboos of the fixed payment are related to personal wallets, and many people do not know much about them
Many people will keep their remaining money in the bank, believing that it is safest to do so. But don't think that saving money is a casual thing to do!There are 3 small details that you should pay attention to that the bank clerk won't even tell you or your hard-earned money might be gone. I think you've all seen the news lately, and even heard that some people go to the bank to deposit money when they need it urgently, only to find that the money is gone.
Don't ask the bank to autopay for you.
When you make a fixed deposit, your bank may ask you if you need to set up an autoroll. Automatic rollover means that when the deposit matures, the bank will automatically transfer the principal and interest to the next time deposit, so you don't need to go to the bank to go through the procedures.
Sounds convenient, but there are also risks. First of all, it means that you can't choose a better interest rate or an investment that's right for you. Second, automatic refinancing can lead to a shortage of funds, and if automatic refinancing exceeds your actual needs, it can create a lack of cash on hand.
Therefore, please communicate with the bank in advance, understand the market interest rate before the deposit matures, and choose the best deposit method to avoid this trap.
Don't be fooled by the bankers.
When depositing money in a bank, many people think that the words of the bank staff are the words of the bank, so it is easy to blindly believe them. But in reality, not all bank employees are reliable, they all have their own track record to accomplish, and sometimes they play pranks.
In order to get results, some employees will offer you products that are not suitable for you. For example, switching your deposit to a high-risk financial product or insurance, which could result in the loss of your principal. Therefore, be wary of employee testimonials and don't fall for them.
Don't put all your eggs in one basket.
Did you know?Deposit rates vary widely from bank to bank, with some local banks in particular often offering much higher interest rates than large public banks. Some people choose certain local banks just to get higher interest rates. Although the risks of China's banks are generally controllable, there is still a theoretical possibility of bank failures.
So, if you choose certain local bank deposits, keep one rule in mind: don't make more than 500,000 in a single bank deposit.
Some people put millions in certain local banks, and there are two major risks in doing so:
First of all, if there is a problem with the deposit of the local bank, the deposit insurance company can only pay up to 500,000;
Second, some local banks are relatively small and may be limited when you want to withdraw large sums of money, affecting your ability to pay.
Smart deposit method.
Fixed deposits are also a one"Xi process"Many people choose deposits with longer maturities in pursuit of higher interest rates. However, if there is a sudden need to withdraw money during the fixed deposit period, the interest will be paid as a demand deposit, resulting in an interest loss.
Therefore, we can adopt"1+2+3 deposit method"to rationalize the funds. For example, if you have 60,000 yuan on hand, you can divide it into three parts: 10,000 yuan for one year, 20,000 yuan for two years, and 30,000 yuan for three years.
At the end of the first year, the necessary portion is withdrawn and the balance is deposited over three years;At the end of the second year, the necessary funds are also withdrawn and deposited in three more yearsThe same is true for the third year. In this way, you can get the most bang for your buck and get the maturity funds every year.
Flatly. Saving is crucial, and we must be vigilant to ensure that our assets are safe. Be cautious when saving, don't be fooled by the bank's insurance sales**, keep a clear head, and avoid pitfalls. Time deposit.