Wang Xiaoming walked into a nearby bank with a bag of vegetables, ready to withdraw some cash to prepare for next week's food bill. As a "VIP" customer of this bank, he habitually walked towards the "VIP counter" set up in a prominent position.
However, just as he was about to walk to the counter, a bank staff member pointed to the ordinary counter not far away and said to him: "Sir, I'm afraid there will be a queue at the VIP counter today, so you might as well go there and queue up faster." ”
Wang Xiaoming was a little surprised, he thought that as a "VIP" customer, he should enjoy priority service. But in fact, a long queue has formed in front of the "VIP counter", as if it were a real "peak period". Wang Xiaoming sighed, turned around and went to the ordinary counter, and couldn't help but start wondering what this "VIP" name meant.
In fact, many banks now set up "VIP" customer counters to attract and retain customers. But what exactly does these "VIP" treatments mean, and do they really have the effect of attracting customers?
Take the bank where Wang Xiaoming opened an account, the name "VIP" is actually quite meaningful. To become a "VIP" customer of this bank, you must have a cumulative deposit of 200,000 yuan in this bank, and at the same time, the average monthly balance must be more than 10,000 yuan.
This seems to be a difficult task for many ordinary consumer banking customers. Unless it's high-end customers who actually have a certain amount of deposit, most customers won't meet this requirement at all.
However, even if you become a "VIP" customer, the real benefits you can enjoy are quite limited. For example, part of the annual fee is waived, some preferential activities are participated in 1 working day in advance, and priority use of the "VIP counter" is given. However, there is still a long queue in front of the "VIP counter", and it is still difficult to enjoy priority service. As for other credit card consumption rebates, loan interest rate concessions, etc., they are far inferior to other products that are truly aimed at high-end customers.
In Wang Xiaoming's view, becoming a "VIP" customer of the bank seems to be more about naming himself and giving false endorsements to customers, but the actual discount is really limited. This made him wonder if he should turn to other financial products that could really bring benefits to him.
At this time, Wang Xiaoming remembered an old friend of his Li Ming. Li Ming works in the IT industry with an average monthly income, but chooses Internet financial management. By regularly investing in wealth management products and using the mode of profit reinvestment, he has obtained good returns in recent years.
In fact, the fixed interest rate of many traditional banking products is not high, and it is difficult to keep up with inflation. However, some ** wealth management products have reasonable strategies, linked to blue chips or indexes, and the annualized return rate can reach 8%-10%." Li Ming once explained the financial management model to Wang Xiaoming.
Wang Xiaoming didn't pay much attention to it at that time, and he could only get 120 yuan of interest from saving 10,000 yuan in the bank throughout the year, which was much lower than the rate of return. And after becoming a "VIP", the actual discount is even more lackluster. This made him start to re-examine his financial philosophy.
In order to gain an in-depth understanding of Li Ming's financial management methods, Wang Xiaoming decided to talk to him in detail. The two met on the weekend, and Li Ming led Wang Xiaoming to log in to a financial platform he had used for many years.
You see, this app has a wide variety of wealth management products, including **type**, bond ** and hybrid**. Each product strategy is very clear, investing 500 yuan per month, how much income you can get after 5 years is considerable. Li Ming said while demonstrating to Wang Xiaoming.
And the transaction fee is very low, most products have a monthly fee of 0Below 3%, which is much lower than the annual bank deposit fee. Try to see how much you can earn after 5 years if you invest 500 yuan a month? ”
Wang Xiaoming followed his operation, and he was indeed quite inspired. After 5 years, only investing this amount of money can get more than 10,000 yuan in income, which is really commendable. This is far higher than the return on any of the bank's "VIP" products.
So, at the end of this week, Wang Xiaoming decided to invest 500 yuan per month in ** financial products from this month. He understands that the benefits of the bank's "VIP" plan are completely inferior to this simple and efficient way of financial management. In the future, he no longer believes in the ethereal "VIP" aura of the bank, but will choose those financial products that can give him real returns.