It's almost the end of the year, 2023, the year is almost over, and it's about to enter 2024. The past 2023 is a year of great significance and a special year. This year, the people have experienced the "lifting of the epidemic", "life has returned to normal and returned to normal", and "the economic situation of all walks of life has improved".
However, in the year 2023, the economic situation has not changed as expected. Rapidly**, the rapid rise returned to the pre-pandemic economic development rate.
In the three years of the epidemic, the real economy has been affected to a certain extent. Many stores have closed their doors one after another, and many companies have been unable to achieve orderly office operations due to the epidemic, resulting in the inability of companies to operate. In this context, people have developed the Xi of "saving".
In other words, the original deposit Xi of ordinary people has become more stable under the influence of the "uncertain influencing factor" of the epidemic. The three-year epidemic has made everyone more and more aware of the importance of "savings" for a family. It also makes everyone more and more aware of how important it is for a family to have a deposit.
Therefore, even though the epidemic has passed for a long time, its impact on our lives will not fade for a long time. The recent appearance of "deposit special forces" on the Internet fully illustrates this matter.
However, according to bank managers, the "so-called" deposits made by many people are not actually "deposits". It also did not maximize its own benefits. Moreover, there are many problems with saving your own money for a fixed period of time. Plus, I'm going to discuss these issues with you.
First of all, the "deposit rate" of banks has been adjusted to a certain extent. In other words, the bank's deposit interest rate will fluctuate up and down. With the changes in the economic situation in recent years, banks are constantly adjusting the interest rate of fixed deposits. As a result of the adjustment, the interest rate on fixed deposits has been falling again and again.
The fixed deposit interest rates of the "Big Four" banks have even basically reached below "3%". Even the interest rate on long-term deposits, such as five-year deposits, has fallen to within "3%".
Secondly, making a "fixed deposit" reduces the "liquidity" of one's own funds. When you deposit your money in the bank for a fixed deposit, if there is a higher yield, or there is a promising financial product, but you can't buy it. Make your own earnings lower.
However, in our real life, it is indeed difficult to find financial products that combine the three advantages of "high return", "good liquidity" and "low risk". Therefore, saving time has become the first choice of ordinary people.
We have to take into account that bank deposits are relatively low risk. However, many fixed-income wealth management products have an annual rate of return between "4% and 5%".
In addition, if a fixed deposit is deposited in a bank, once the withdrawal is made within the deposit date, that is, "advance the money", the interest rate on your deposit will drop a lot. At present, each bank calculates this kind of "advance advance" according to its live deposit interest rate, which is generally only "0.".2%”。
All in all, for many depositors who want to reduce their risk, bank fixed deposits are indeed a good option. However, it is possible to make a deposit in another way.
For example, you can use some of your money for a "fixed deposit". There is also a part used to buy some financial products that you think are good, such as "**" and other financial products.
This "fixed deposit + investment" model is used to allocate funds. You can make yourself a stable income, and you can increase your income a little.