Seeing this title, many people wondered, how can people with deposits still be anxious, so what about people who don't have deposits?In fact, the reason is very simple, people who have savings should consider how to keep it in value and appreciate, because it will only depreciate if it is put in hand, and if there is no good way to deal with it, the purchasing power may be lower and lower, of course, very anxious. People who don't have savings don't have to think about this, and even those who are in debt will steal their fun, because a debt of 10,000 yuan will be equivalent to 9,000 yuan this year next year.
I still remember a few years ago, whether it is a big bank, a small bank, or some online deposits, the interest rate can reach about 5%, this interest rate level is already very high, at this time there is no need to consider other investments, just put the bank directly.
However, this is no longer possible, and banks are constantly lowering deposit rates, and even small banks are struggling to find deposit rates above 3%, a level that cannot even outperform inflation, let alone appreciate.
Bank deposits don't work, so what about buying a houseIt may not be as good as the bank, although the interest rate is a little lower, but fortunately, it is safe and stable, if it is used to buy a house, it is not necessarily, it may be bought today, and it will lose money tomorrow.
It's not okay to buy a house, but what about investing in a physical entityThe answer is no, such as shops and apartments, which did work in the early years, business is easier to do, and there are more people who start businesses, so you can make a profit from the shops and apartments you buy, and now it is not a good time to start a business, and the consumption power of residents has also declined.
What should ordinary people do in such a situation?Personally, I think that it is better to be still than to be still, work well if you have a job, don't think about resigning, changing jobs, looking at a mountain high, and keeping your income first.
As for deposits, the safest thing is to put them in the bank, after all, it is much better to have less returns than to take risks.