The first conundrum that will be faced in 2024 is:InflationResulting in a depositPurchasing powerof the decline. At present, China is looseningMonetary policy, the central bank continued to release water, and a large amount of money poured inFinanceand commodity markets, leadinglife**Fast** for the essentials. Deposit inBanksThe value of the value gradually depreciates, simply relying onFixed Depositsinterest income to fight againstInflationIt's no longer possible. Therefore, we need to look for other ways to preserve and increase value.
Among them, large amountsCertificates of deposit, structuralCertificates of depositandTreasury bondsand other varieties may be options worth considering. Although the benefits may not beFixed Depositshigh, but at least able to cope betterInflationThe impact of keeping the deposit realPurchasing power
The second problem is that you should never rush to put your savings into itInvestment and financial managementMiddle. It's like eating food greedily before it's cooked, and the result is easy to triggerGastrointestinalUnwell. Investment and financial managementAgain, careful selection and consideration are required.
CurrentDeposit interest ratesWhile prices remain strong while prices remain strong, some may shift their savings from higher returns in the pursuit of higher returnsBanksTaken out,InvestmentsYu **, etcInvestmentsbreed, the results are likely to suffer. Especially for most people, the lack of basicsManage your moneyknowledge and experience, if you operate blindly in the capital market, the risk of loss will be higher. In contrast, keep the deposit inBanksAt the very least, the safety of the principal and interest can be guaranteed.
The third problem is not to jump into itStart a business。CurrentUnemployment rateFinding a job has become difficult. PlusBanksDeposit interest ratesof the substantial**, some people may want to passStart a businessto change the status quo, thoughStart a businessThe stakes have also become greater.
First of all, the current overall economic environment is not good, people's incomes are decreasing, and consumption power is also weakening correspondingly. Secondly, the market is saturated, and the competition in various industries is extremely fierce and successfulStart a businessThe chances are not easy. In addition, the cost of leasing factories and office buildings is getting higher, and the rent requirements of landlords are becoming more demanding. So, in 2024, wantStart a businessFamilies should be cautious, in such an unfavorable environment, full of risksStart a businessIt needs to be carefully considered.
The three major problems faced by households with deposits of more than 300,000 yuan in 2024 are depositsPurchasing powerConstantly declining、Investment and financial managementAt riskStart a businessThere are many difficulties. In dealing with these issues, we need to take appropriate measures to preserve and increase our value.
First of all, it can be consideredInvestmentsSome are relatively soundFinanceproducts, such as large amountsCertificates of deposit, structuralCertificates of depositwithTreasury bondsto keep the deposit realPurchasing power。Secondly, for:Investment and financial managementBe cautious in your choice and don't blindly pursue high returns to avoidInvestmentsLosses from mistakes. Finally,Start a businessIt is also necessary to be very cautious, taking into account the current economic environment and market situation, and fully assess the risks and opportunitiesStart a businessPlanning and preparation.
To sum up, households with deposits of more than $300,000 in 2024 need to seek opportunities to increase their value on the basis of not taking risks, and at the same time, in theInvestmentswithStart a businessCarefully selected and rationally planned. In this way, the safety of the principal can be guaranteed, and the appreciation of the asset can be realized at the same time. Don't just rely on itFixed Deposits, and apply wisdom to think, seize the right moment, choose the right oneInvestmentsManner.