Since 2023, the six major in ChinaState-owned banksSuccessively downwardDeposit interest rates, making a three-year period or moreDeposit interest ratesdown to less than 3% and more than one yearDeposit interest ratesto less than 2%. Subsequently, each small and medium-sized schoolBanksInterest rate cuts have also followed. Expected in the futureDeposit interest ratesThe downward revision will continue. Faced with this situation, savers need to adopt corresponding strategies.
First of all, for the robust typeInvestmentsThey can choose to deposit their funds in the form of a three-year depositBanks, thus locking the current oneDeposit interest rates。And so even thoughBanksDeposit interest ratesAnother downward adjustment will not affect depositors. Of course, when choosing a deposit term, you also need to take into account the depositLiquidityto avoid the inconvenience caused by early withdrawal of deposits.
Secondly, for those who are willing to take a certain amount of riskInvestmentsFaceDeposit interest ratescan be considered for diversificationAsset allocation。For example, if you have a deposit of 1 million yuan, you can buy 500,000 yuan for large certificates of deposit, treasury bonds, etcFixed incomevariety, and then 300,000 yuan to buy structured deposits, low-riskBanksManage your moneyproducts, etcInvestmentsvariety, and finally the remaining 200,000 yuan will be used for purchaseBanks, becauseBanksAble to give every yearInvestmentsPersonCash dividends。In this way,Investmentscan get both higherInvestmentsearnings, but also being able to willInvestmentsRisks are minimized.
Through the above two coping strategies, have:Fixed Depositscan better maintain and increase their value in an environment of lower interest rates. However, this does not mean that savers do not need to be extra cautious. In progressInvestments, you need to fully assess the risks and benefits, and ensure that you have the expertiseManage your moneyknowledge andInvestmentsexperience in order to chooseInvestmentsbreed when being able to make informed decisions.
Currently, withBanksDeposit interest ratesAs many people began to consider putting money into it, ** real estate and other fields. However, we strongly advise everyone to exercise caution. High returns often come with high risks, and the current domesticInvestmentsThe environment is not ideal. BlindInvestmentsThere is often a risk of loss of principal.
In addition, most people lack adequateManage your moneyknowledge andInvestmentsexperience, impulsively invest in the capital market, it is likely to suffer property losses. So, given that the market is not good at the momentInvestmentsopportunity, it is safer to keep the funds safely inBanks, waiting for a new oneInvestmentsOpportunities arise. Only when the bubble is squeezed out of the ** and the housing market, and then choose to make a timely move, can it be increasedInvestmentsLikelihood of success.
To be clear, real premiumInvestmentsOpportunities take time and patience to discover. We need to be patient and wait for those with lower risk and higher returnsInvestmentsThe opportunity has come. InvestmentsIt's not something that happens overnight, but it requires a lot of patience and sustained effort.
To sum up, it is important to haveFixed DepositsFor the upcoming 2024, it is crucial to be prepared for both. First, it needs to be done wellDeposit interest ratesPsychological preparation for continuous downward adjustment, take the right deposit term and be smartAsset allocationstrategy to maintain and increase value. Second, be cautiousInvestmentsMental preparation to avoid blindnessInvestmentsand property risk. In the selectionInvestmentstime, to have sufficientManage your moneyknowledge andInvestmentsexperience, and be patient and wait for real qualityInvestmentsOpportunities arise.
Only on the basis of being prepared for these two hands, haveFixed Depositswill be better able to cope with the challenges of 2024 and achieve wealth preservation and appreciation. Each family should find the right one for them according to their actual situation and risk toleranceInvestmentsTactics. Through sound planning and decision-making, we believe that every family can achieve more stable and sustainable wealth growth in the new year. Come on, in 2024, we will strive forward!