Sisters, have you ever thought that if you put your hard-earned money in the bank, you are really foolproof?As a financial worker who loves to write, I want to popularize a knowledge point for you today - bank deposits are also risky!Yes, you heard it right, bank deposits are not 100% safe. So, what exactly are these three risks?Next, let me take you to the end.
The first risk: inflation eats into your deposit
Have you noticed that the purchasing power of $100 now is far less than $100 a few years ago?That's what inflation is doing!Keeping money in the bank may seem safe, but in reality your deposits may be quietly being eaten up by inflation. For example, if the annual interest rate is 2% and the inflation rate is 3%, then your real purchasing power is actually decreasing. It's like a war without gunpowder, and your money bag is deflated before you know it.
Let's take Xiao Wang's example. He deposited $100,000 in the bank five years ago, when inflation was 2% and the bank's interest rate was 3% a year. It seems that Xiao Wang receives 3% interest every year, but in fact his purchasing power has not increased. Because of inflation, the 100,000 yuan he deposited was only equivalent to the original 8 after 5 years950,000 yuan. This means that his real purchasing power has decreased by 105%。That's the huge impact of inflation on deposits.
The second risk: the loss of funds due to the failure of the bank
Although the probability of a bank failure is relatively low, the consequences can be unimaginable. In recent years, there have been many cases of bank failures at home and abroad, such as the bankruptcy of Lehman Brothers in the United States in xx years, which made countless depositors lose their money overnight. In China, although ** will take measures to protect the interests of depositors, the amount of compensation is limited, and once it exceeds this range, the loss must be borne by itself. So, sisters, don't think that you can sit back and relax by depositing your money in the bank!
The third risk: cyber security risks threaten the security of funds
In this era of developed networks, the issue of network security cannot be ignored. Hacker attacks, online frauds and other incidents emerge one after another, and if you are not careful, you may be tricked. Once personal information or bank passwords are leaked, the consequences are unimaginable. Therefore, while we enjoy the convenience of the Internet, we must always be vigilant and strengthen our awareness of self-prevention.
In the face of these three risks, how can we deal with them?
First of all, it is necessary to allocate assets reasonably. In addition to deposits, we can also invest in some low-risk financial products or buy some physical assets such as ** as a means of value preservation. Remember, don't put your eggs in one basket!
Second, choose a reputable bank to make a deposit。When choosing a bank, we should pay attention to its operating conditions, regulatory ratings and other indicators to ensure the safety of funds. At the same time, regularly check the account changes and find problems in time.
Finally, raise awareness of cybersecurity. Changing your password regularly, not revealing personal information easily, and being cautious of clicking on unknown links are all effective ways to protect yourself.
Did the sisters remember?Bank deposits are not risk-free, and we need to be vigilant at all times. Only in this way can our money bags be truly safe and full!In this era of challenges and opportunities, let's work together to become more independent and wiser women and take care of our money