The emergence of "new routines" of bank deposits is vigilant against the risk of being deceived
When it comes to savings, our country has always been far ahead. The main reason for this is that Chinese residents have always had a sense of distress, so the amount of savings of Chinese residents has been increasing year by year. According to the data, China's household savings increased by 178 percent last year400 million yuan, an increase of 9.9 billion yuan in the first quarter of this year.
In recent years, there have always been people shouting about financial management and investment, and there is even a mantra:"If you don't manage your money, your money won't care about you"。However, on the whole, there are many people who care about financial management and investment, but the vast majority of people still choose to keep their money in the bank, on the one hand, for safety, and on the other hand, to stabilize interest rates.
But you know what? Although the image of a bank is ingrained in many people's minds, a bank is a financial institution after all. According to industry insiders: bank deposits have appeared recently"New routines"Many people are deceived, so you should pay attention to your deposit. So, what's going on here?
i.Tick the Automatic checkbox.
The so-called automatic rollover actually means that when a depositor goes to the bank to deposit a fixed deposit, he chooses to automatically roll over the cash deposit after maturity to the same time deposit product. At first glance, auto-rollover is more convenient for savers, but in reality it is not a very good option.
The main reason is that the automatic rollover of deposits reduces the selectivity, such as looking for other banks with higher deposit interest rates, cyclical changes in idle funds, etc., or there are better ways to take care of funds, such as stable bonds and bonds with relatively high returns, bonds**, etc.; With the courage of policies such as building a sales fulcrum of the foreign trade economy and making a profit of 1% every 30 days, it is often necessary to re-plan funds to maximize returns.
ii.Blindly choose a longer deposit period.
As we all know, the longer the deposit term, the higher the interest rate of bank deposit products. For example, the interest rate on a one-year fixed deposit is 165%, while the interest rate on a three-year fixed deposit can be as high as 2.6%。As a result, the vast majority of people deposit directly into longer-term deposit products to get a higher interest rate.
However, this deposit method is not necessarily profitable, because if the idle short-term funds are deposited as long-term deposit products, once there is an early withdrawal in the middle, then the interest will be calculated directly according to the current interest rate, not only can not get high interest, but also will cause a lot of losses.
iii Financial Deposits.
In the past, banks' wealth management products and deposit products could guarantee principal and interest. However, since the implementation of the new asset management regulations, wealth management products are no longer guaranteed by principal and interest, but are responsible for their own profits and losses. Therefore, when you go to the bank to make a deposit, you must distinguish which type of product you are saving.
Although the yield of wealth management products is often much higher than the yield of deposits, the expected rate of return of wealth management products is not the same as the actual rate of return, so do not think that wealth management products are good because you see a high rate of return, otherwise you may lose the principal.
Fourth, the deposit is converted into insurance.
In addition to deposit products and wealth management products, there are also many insurance products, and these products are often purchased in misleading situations, especially for the elderly"Lie"。Although insurance products are relatively safe, it is usually necessary to distinguish the attributes of the product in the long run.
In short, many people go to the bank to deposit money, and the staff may give some advice, but these suggestions may not apply to themselves, and there are even certain routines. So, when we go to the bank to deposit money, we must be rational and avoid"Traps"In order to ensure the safety of funds and achieve steady value-added.