Recently, the major state-owned banks Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank have successively lowered the interest rates on deposits, which means that the interest on deposits has decreased. In fact, this is the third deposit rate cut this year, and more importantly, the trend of interest rate cuts is likely to continue. Banks do this to alleviate lending pressure and support the development of the real economy. However, such interest rate cuts have a detrimental effect on our personal savings interests. Therefore, we need to find a way to protect our purse strings, as the interest on deposits may be further reduced in the future.
How to maintain our wealth?In addition to deposits, we can also consider other ways to invest. For example, savings insurance and bonds**, etc. These investments can achieve higher returns and are more flexible in some ways than deposits. For example, the interest rate on bank fixed deposits has been reduced to 195%, while the average annual rate of return of savings insurance is 3Around 5%, the yield of bonds** is at 258%-4.between 98%. From this point of view, bonds** are an ideal choice. In addition, as a Fortune Black Card user on Alipay, I have found that there are many privileges to enjoy when purchasing products. For the upcoming year-end, we may organize and reconfigure family assets, and this is when the advantages of the black card will come to the fore. Black card users enjoy the privilege of 300,000 yuan of free withdrawal, and the rate is only 1% off the average rate. These privileges not only help us save money, but also provide more thoughtful service and information to help us make more informed investment decisions.
From the above comparison, we can see the advantages and disadvantages of different investment methods. The advantage of bank fixed deposits is that they are low risk, but the disadvantage is that there is a certain amount of risk in high deposits, and the interest rate is constantly decreasing, and it cannot be withdrawn at any time. The advantage of savings insurance is higher yield and low risk, but the disadvantage is that it needs to be paid continuously for a period of time to obtain a considerable profit, and it is not possible to withdraw part of the savings during the payment period. The advantage of bonds** is that there are no losses in history, there are positive returns in historical periods, and they can be withdrawn at any time, which makes them more flexible and competitive than deposit and savings insurance. Of course, there is also a disadvantage to bonds, that is, when ***, bond yields will gradually decline.
On the whole, in the current situation of declining deposit interest, it is a wiser decision to choose an investment method with a higher positive return. As an investment method with high positive returns, bonds** can not only obtain higher interest returns, but also have strong liquidity. In addition, as an Alipay wealth black card user, you can enjoy more privileges and discounts, which further increases the attractiveness of bonds**.
Interest rate cuts have become the norm in recent years, and the decline in deposit interest rates has become an irreversible trend. Faced with such a situation, we personally need to choose the appropriate investment method according to our actual situation and risk tolerance. In addition to deposits, we can try some investment products with lower risk but higher returns, such as bonds** and savings insurance. At the same time, we should also pay attention to the choice of investment platform and the reality of personal economic situation, and reasonably plan our own capital allocation to protect our wealth and increase income. While choosing an investment method, you should also refer to professional analysis and advice to maintain an understanding of the market, so as to make corresponding adjustments according to the best changes.
Overall, the impact of lowering interest on deposits on us personally is obvious, but there are many other investment options that can better protect and grow our wealth. By rationally allocating investment methods and ensuring the liquidity and income of funds, we can maintain relative stability and obtain more returns in the adjustment of monetary policy. Therefore, we need to make scientific and reasonable investment decisions according to our own situation and changes in the market, so that our money bags can maintain stable growth.