With the continuous increase in the enthusiasm of Chinese residents for deposits, the deposit increase data from January to September 2023 shows that deposits have reached 1442 trillion yuan. This means that the average deposit of each person has exceeded 100,000 yuan. For a family of three, the average deposit even reached 300,000 yuan. However, although the enthusiasm for saving continues to be high, after 2024, households with deposits of 300,000 yuan and above will face a series of troubles. In this article, we'll go into more detail about these issues and provide some solutions to help you keep your money safe.
In recent years, various domestic companiesBanksDownward adjustmentsDeposit interest rates, making it now 3 yearsDeposit interest ratesGenerally less than 3% for 1 yearDeposit interest ratesLess than 2%. It is expected to be by 2024,Deposit interest ratesThere will be further downward adjustments. This will lead to families with savings of more than 300,000 yuanInterest incomeLess and less of a dilemma. Therefore, we recommend that you consider choosing to buy a large amountCertificates of depositwithTreasury bondsto raise the depositInterest income
In addition to these traditionalInvestmentsIn addition to the way, other things can also be consideredInvestmentschannels, such as purchasesBanksWealth management productsorInvestments, **, etcFinanceProducts. Of course, in choosing theseInvestmentsWhen channeling, you need to carefully assess the risks and choose the right one for youInvestmentsManner. Also, understandInvestmentsKnowledge and experience are essential to the guaranteeInvestmentsSuccess is also very important.
AlthoughBanksDeposit interest ratesDeclining, but closely related to consumers' lives, the goods ** are constantly **. This is due to the accommodative approach of the central bankCurrencypolicy, resulting in partial over-issuanceCurrencyIt went to the commodity market. The arrival of inflation as wellDeposit interest ratesThe decline means that the purchasing power of deposits is shrinking. Therefore, for those families with savings of more than 300,000 yuan, they need to manage their savings more carefully and look for ones to maintain and increase their valueInvestmentsChannel.
For possible inflation risks,InvestmentsYou can choose to buy some assets that can resist inflation, such as:, real estate, etc. In addition, for the necessities of daily life, the impact of inflation on daily expenses can also be reduced through reasonable consumption planning and price comparison.
FaceDeposit interest ratesSome people may consider using their deposits forStart a business。However, currentlyStart a businessThe chances of success are relatively small. On the one hand, after three years of the impact of the epidemic, most people's incomes have decreased, and consumer demand is also shrinkingStart a businessThe environment is not optimistic. On the other hand, the fierce peer competition and the impact of e-commerce have made itStart a businessof those facing greater difficulties. In addition, the rent of shops, factories, office buildings, etc. has also increasedStart a businesscost. Therefore, just because a household has savings does not mean that they can be freeInvestmentsStart a business, the risks need to be carefully considered.
For those who haveStart a businessIdeas for families, can choose to look for the right oneEntrepreneurial opportunitiesto avoid blindnessInvestmentsStart a businessIt can be determined through market research, industry analysis and other methodsStart a businessdirection, and develop a detailed plan and budget. At the same time, finding partners and preparing funds in advance is also an effective strategy.
withDeposit interest ratesMany people choose to take their money out for itInvestmentsManage your money, hoping to maintain and increase the value of assets through high returns. However, ordinary saversInvestmentsHigh-yield varieties are risky. On the one hand, currentlyInvestmentsThe environment is not good, and many people are in afield loss,Purchase**There is also a risk of losing 20-30% of the money and even buyingBanksWealth management productsThere is also the possibility of losing money. On the other hand, most savers lack itInvestmentsManage your moneyknowledge and experience, if you rush into the market, you are likely to suffer losses.
For those who want to proceedInvestmentsManage your moneyIt is recommended to choose a lower riskInvestmentsvariety, such as ** regularCertificates of depositOr buy a low-risk oneFinanceProducts. In addition, it is necessary to strengthen its ownFinanceknowledge andInvestmentsskills, you can improve yourself by reading relevant books, participating in training, etcInvestmentsLevel.
In the face of the troubles that families with deposits of more than 300,000 yuan need to pay attention to in 2024 and beyond, we must always be vigilant and guard our money bags. Deposit interest ratesof the fall, the rise of inflationStart a businessLimited potential as wellInvestmentsManage your moneyWe need to take it seriously. Choose the one that's right for youInvestmentsway, improveInvestmentsKnowledge and skills, rational planning of consumption, and finding assets to resist inflation are all key to dealing with these troubles. Only by properly managing one's own assets can one better ensure the financial stability of the family.
Therefore, in the coming days, we must not only be vigilantDeposit interest ratesof the drop pairInterest incomeThe impact of inflation on the purchasing power of deposits should also be noted and carefully consideredStart a businesswithInvestmentsManage your moneyrisks. Only by fully understanding and dealing with these problems can we guard our own money bags and ensure the steady growth of family wealth. Let's work together for the family's future financial planning!