As time goes by, we can't help but find it more and more difficult to earn money, especially this year, when my friends around me often complain that money is hard to earn. Although this sentence is straightforward, it is very much in line with the actual situation. In order to make ends meet, a friend of mine who is a taxi driver drives hard every day and earns no more than 300 yuan a day, and this is not even after deducting the fuel fee. In order to earn more money to supplement the family, many friends will do Didi driving after work.
Since it is so difficult to make money, how should we reasonably plan the funds in our hands to achieve the goal of making money?What do we need to pay attention to in the process of depositing?Today I will share a few points with you for reference.
First, if you have a sum of money on hand and don't plan to use it in three years, but you are not sure whether it is better to save it for three years at once or save it for one year first, and then extend it for two years when it expires, for a total of three years. Let me give you an example, let's say we have $100,000 in hand, and the current one-year fixed deposit interest rate is 2%, and the three-year term is 26%。
If we choose to save for three years at a time, we will directly enjoy 2With an interest rate of 6%, you can get a stable interest of 7,800 yuan after three years. If we choose to save for one year and extend it for two years at maturity, then the interest rate is still 2%, provided that the interest rate is not lowered during the period, and after three years, we will get 6,000 yuan in interest. In this way, the difference between the two methods is 1,800 yuan. However, if there is a decrease in interest rates during this period, the final return is less than 6,000 yuan.
Second, if you want to save money, you have to act early. At present, interest rates in the international economic environment are basically in a state of decline, and there is almost no possibility of a further rise, so the bank deposit rate seen today is 26%, tomorrow may not be 26%, while it may be reduced to 23% or even 22%。
Perhaps in the last year, the interest rate on three- or five-year fixed deposits was 32% is still a high interest rate, but now the overall interest rate has said goodbye to this era. Unless some private banks and village banks may have interest rates above 3%, the overall interest rate is on a downward trend. Therefore, saving money should be acted upon as early as possible.
Third, for people with strong risk tolerance, they can consider buying secondary or primary wealth management products from banks. It is recommended that you buy stable wealth management products, and the entire wealth management market is picking up. But it is not advisable to buy **, because ** is always in the red.
Don't put all your eggs in the same basket, it's best not to put all your deposits in the same bank, and the deposit amount should not exceed 500,000 yuan.
Recently, eight village banks have declared bankruptcy and have been acquired by other banks, so if a bank has a higher interest rate, we can keep the deposit separate, with 500,000 yuan in our own name and 500,000 yuan in our spouse's name, which is more secure.
Finally, I would like to remind everyone that if we do not have enough risk tolerance, it is not easy to save money through hard work, and we should pursue stability instead of greedy for high returns. High returns inevitably come with high risks. If you don't have a risk tolerance, it's best not to buy other wealth management products and save time deposits honestly. Why bother buying other products and leaving your family life unsecured?