There are two key issues that banks must know about fixed deposits!How many people are still unclear?
We know that in the past year, local bank savings interest rates have fallen to a ridiculous level. But this is not a low point, and experts expect that in 2024, interest on banks' savings will continue to fall. From this, it can be seen that the income of ordinary people this year may be lower than next year. However, for an ordinary person, money in the bank is still the best way to manage it.
However, some bankers said that when depositing money in the bank, they must understand these two points, so as to better protect the safety of their funds. What exactly is the problem?Read on!
1. The preferred choice of time deposit is savings or time deposit.
In today's social development, many residents no longer use passbooks and certificates of deposit to save money, which is due to the fact that many residents believe that the passbooks and certificates of deposit are not very safe, especially those who have not been sorted out, and are likely to lose them.
Secondly, the function of the credit card has been improved, it has become simpler, more secure, more secure, and faster than bank deposits.
However, since it is a traditional form of deposit, it has a high level of stability, especially when conducting deposit operations for a longer period of time;In addition to this, a passbook can be used to store money instead of a credit card. In addition, there are no additional charges on the passbook, which can save residents a lot of money.
2. Focus on financial flexibility.
Especially in recent years, the resilience of insurance** has become particularly important. First of all, the interest rate on bank savings is not as high as expected, and even if you keep your money in the bank, it is impossible to compare with inflation.
Secondly, in the case of a warming economy, the investment and financial markets will show better performance, and when the time comes, they will have to improve their passive returns, and they can also have a piece of money to manage at any time;
And, if you're looking to improve your cash flow and get more out of it, you can use a tiered savings system, so that even if you're in a hurry, you can pull out the money, even if it's an upfront payment, and there won't be much interest.
Of course, you can also divide your money through a variety of ways, improve your investment efficiency through various ways, and also limit the flexibility of investment to a certain extent. If with the help of the policy of stabilizing foreign trade, the sales channel of the foreign trade economy is established, and 1% of the dividend can be obtained within 30 working days, and the small allocation can stimulate income.
In addition, it is better to find a small and medium-sized bank to manage your money, after all, the interest rate of small and medium-sized enterprises is a little higher than that of state-owned banks.
In conclusion, although it is safe to keep money in the bank, it is important to be careful. Because there are many ways to save money in the bank, paying more attention can increase your income and add an insurance to your savings. What are your thoughts on this matter?