The investment market is sluggish, the market is also in the market, and the interest rate on bank deposits continues to fall, which has become a common phenomenon in the financial field. According to statistics, from January to September this year, the amount of deposits of Chinese residents continued to rise, reaching 1442 trillion yuan, showing the cold investment market and the importance of cash flow, people began to maintain cash flow, large-scale avoidance of various investments. However, the decline in income is also an indisputable fact. Although the amount of deposits from January to September has been growing, in October this year, China's residents' deposits fell by 636.9 billion. To put it simply, many people do not have the ability to save, and even those who have some money on hand are not willing to take it out easily. After all, the situation is not optimistic, and everyone wants to hold on to their own one-third of an acre. How will the global economy change next?The situation is not optimistic, but there are also opportunities and challenges.
Nowadays, interest rate changes are an important factor. In recent years, interest rates have remained low and trending downward around the world, and in this case, the return on deposits has fallen significantly. In the coming years, as inflationary pressures increase and economic markets weaken, bank deposit rates are likely to continue to fall, affecting deposit yields and asset values. In layman's terms, interest rates on banks are likely to fall again. All savers need to be mentally prepared for this. In recent years, global fintech has developed rapidly, and the emergence of various financial products and forms has brought great changes to areas such as banking, investment, and insurance. In other words, these increasingly abundant fintechs may provide more opportunities for deposits to grow in order to continue investing in the future, but at the same time, the opportunities are proportional to the risks. In the current situation, especially for families with deposits of more than 500,000 yuan, it is necessary to handle deposits cautiously and pay attention to the risks brought by these products.
Despite the current global political problems, due to the poor global economic situation, it has become difficult or even hopeless for many countries to solve their economic problems through the domestic market, so the process of globalization may become more frequent. With the acceleration of globalization, capital flows have become more frequent and complex, bringing investment opportunities and increasing capital risks. For those who are interested in investing, outward** investment may be more suitable. However, in the current economic situation, there is still a lot of risk involved in investing. For ordinary people, guarding their money bags is the first choice in the current situation, especially families with deposits of more than 500,000 yuan, do not invest blindly, but should maintain prudent financial management and put deposits in the first place.
For many people, who have some savings but can't afford to invest and manage their finances, it is wise for them to choose a more secure approach in the current market environment. Many people used to choose to buy high-yield financial products such as ** and **, but now the results are very obvious, **market and ** market are sluggish, basically declining. In the current economic climate, it is possible to make less money than lose money by trying to generate revenue from these products. Actually, the best way to do this is to opt for a bank deposit. It should be noted that I am talking about bank deposits, not buying wealth management products from banks. Now, banks have basically canceled the rigid exchange, and there are investment risks in buying banks' wealth management products. However, bank deposits are different, they are principal and interest guaranteed. In other words, depositing money in the bank, although the interest rate is low, the most important thing is to guarantee that the principal will not be lost, which is already the safest way to invest.
It can be seen that the problem of inflation is widespread to a certain extent. People's incomes have not changed and may even fall, and many people do not earn money. However, all kinds of prices are constantly **. Everyday items such as toilet paper, grain oil, and various clothing and entertainment products are constantly being used. Income falls, living expenses increase, and the purchasing power of keeping money in the bank gradually decreases. What used to be something that could be bought for one yuan can now cost three yuan, and the interest rate in the bank is far from keeping up with the rate of prices. Just hold the money and don't invest it, the value continues to shrink, and the interest rate on bank deposits is very low, which cannot fight inflation. So what to do?In fact, if you want to fight inflation through financial management, you might as well try to buy stable investment varieties such as treasury bonds and large certificates of deposit. These products are principal-interest-guaranteed, there is no investment risk, and the returns are relatively high. In addition, you can also fight inflation and maintain a steady growth of wealth by investing in real estate and buying real assets such as **. Of course, these require proper planning and risk control.
In short, in the current situation, bank deposits are the safest and safest way to invest. Although the yield is low, it can guarantee the safety of the principal and is relatively easy to obtain. For people with large deposits, in addition to deposits, they can also consider purchasing treasury bonds, large-amount certificates of deposit and other wealth management products that guarantee principal and interest to resist the impact of inflation. At the same time, you can also invest in real assets appropriately to maintain the appreciation of wealth. Of course, investment still needs to be cautious and plan reasonably according to your actual situation and risk tolerance. Most importantly, stay on top of the financial markets, adjust your investment strategy at any time, and make informed decisions.