Many people have idle deposits on hand and usually want to keep their money in the bank. However, today's banks change rapidly, and interest rates continue to fall. Therefore, there are three important preparations for next year 2024 that need to be done in advance, otherwise your interest will be affected.
In 2024, for families who deposit money in the bank, there are three aspects that need to be prepared, and today I will share these preparations with you.
The first preparation is to deposit the deposit you don't need to use in the bank as soon as possible.
Why?Because the interest rate on bank deposits is falling. This year's deposit rate is 265%, it could drop to 2 next year52.4%。Usually at this time, that is, at the end of 2023, banks launch various activities to encourage deposits, but this year it did not happen. This means that banks are currently well funded.
Next year, more people may realize that the money in their hands has depreciated. To avoid this, banks are reluctant to give high interest rates after depositing money in the bank, which may continue to lower interest rates. Therefore, the interest rate remains at 265% of the time, the money should be deposited in the bank.
The second is to be prepared and not blindly participate in brick-and-mortar store entrepreneurship.
Why?Many people think that cash preservation is not good and the interest rate of the bank is not high, so they want to open a physical store. However, in fact, the success rate of brick-and-mortar stores such as the restaurant industry is quite low, and it is difficult for other industries to stick to it under the influence of e-commerce.
If you don't have contacts, channels, and experience, it's best not to blindly invest in a brick-and-mortar store. This doesn't mean that the investment in a brick-and-mortar store can't be completed, but it's hard for the average person to stick to it.
Third, if you plan to go to the bank next year to deposit money, you can choose some small banks.
Why?This does not mean that big banks have to be safe and secure. Since the bank has a financial insurance system, it can pay deposits of less than 500,000 yuan. Therefore, as long as you choose some familiar small banks, compare their interest rates, and choose deposits with higher interest rates, you don't have to choose a big bank.
For example, if a bank's interest rate is 282.9%, while the interest rate of state-owned banks is only 265%, then I would definitely choose a rate of 29% of banks. Don't worry too much, as long as the deposit is less than 500,000 yuan. If it exceeds 500,000 yuan, you can choose to spread it in several banks.
These three points are very important for families who plan to save next year. Has everyone mastered it?