The conscientious advice of the bank manager Deposit more than 200,000, don't be stupid enough to choose to deposit for a fixed period
A bank administrator has recently received widespread public attention for his "conscientious counsel". The head of the bank said that savers who have saved more than 200,000 yuan are no longer suitable for regular savings. These words immediately made everyone start to reflect on whether to keep their money in the bank, or find a financial instrument that is more suitable for themselves
To solve this problem, we must understand that savings are a relatively safe financial product. Keeping money in the bank can not only get a fixed interest income, but also prevent the squandering and indiscriminate spending of capital. However, with the development of the economy and the continuous improvement of the bank's wealth management business, the interest rate of bank savings is also declining. At the same time, due to inflation and interest rate fluctuations, the real rate of return on bank savings will also be affected to a certain extent, resulting in a continuous decrease in the bank's return on investment. And more than 200,000 yuan, it is even more unsuitable for saving for a fixed period. Due to China's financial regulations, banks guarantee both current and current accounts, and generally up to one million per person. If something goes wrong, such as a bank going bankrupt, then you won't be able to enjoy savings protection, and there will be some financial risks.
How to manage savings of more than $200,000?The answer is: diversity. In addition to regular savings, there are more abundant funds**, such as currencies**, bonds, etc. Compared to bank deposits, currency** is redeemed in a more flexible way, with higher yields, and to some extent risk management. Investment products such as ** and bonds, although the risk is relatively large, but the return is also relatively high, especially for long-term investment, which can better resist the impact of inflation and other aspects. Take the savings of 200,000 yuan as an example, if you convert this money into currency, put some money into the ** or bond market, and spend it with some money on ordinary expenses and turnover, you can better achieve value preservation and appreciation. Of course, before making an investment, managers must also correctly evaluate their own risk tolerance and investment objectives, so as to select the most suitable assets for themselves.
"Conscience advice" raises a question worth reflecting on: in the face of large savings, we should enhance our choice of financial instruments, enhance our awareness of the risks of financial instruments, find financial instruments that are more suitable for ourselves, and improve the use of capital and the value of value creation. We hope that every financial manager will find the most appropriate financial management method in the continuous learning and accumulation of Xi to achieve the goals and objectives of financial management.