The bank has newly adjusted the three affairs with deposits in hand to avoid the loss of principal and interest
In recent years, the deposit interest rates of Chinese banks have fallen frequently. Once upon a time, the interest rate on three-year fixed deposits was generally around 3% to 4%, but now the interest rate on three-year fixed deposits of large state-owned banks has fallen below 2%. According to the data, the three-year time deposit interest rate of large state-owned banks has been adjusted to 195%。
Interest rates on large certificates of deposit are not far behind. The data shows that it is almost impossible for the current interest rate on three-year CDs to exceed 3%. The current interest rate on one-year and two-year certificates of deposit has been reduced to 21% and 24%。
At the same time, the world economy is in crisis due to the public health incident. In this case, the reduction of consumption has become a fact, and people no longer dare to spend extravagantly, limiting themselves to the purchase of basic necessities of life.
However, the ** of the necessities of life is constantly **. As a result, many people are starting to keep a close eye on their finances. In the face of this situation, some experts said: banks continue to adjust, and people with deposits in their hands need to do three things to avoid damage to principal and interest. To see this, just put the two together.
i.Not sure about longer deadlines.
In the past, many people thought that the longer the term of a fixed deposit, the higher the interest rate, so they deposited money directly in the bank, and the longer the term, the higher the interest rate. However, today and in the future, there is great uncertainty in the deposit interest rate, and some long-term time deposit interest rates are lower than short-term deposit interest rates, forming an inverted phenomenon, and some people may even have negative interest rates in the future.
In addition, in the current economic environment, it is important to maintain liquidity and flexibility of funds. On the one hand, it is to deal with low interest rates; On the other hand, it is to cope with unexpected events such as unemployment or illness; At the same time, it is also to be able to grasp the best investment opportunities in a timely manner.
Therefore, when going to the bank to deposit money, you should not only focus on long-term deposits. In addition, if the fixed deposit is withdrawn early, the interest loss will also be larger. Therefore, people should choose the appropriate deposit period according to their actual situation.
ii.Deposit money in state-owned banks as much as possible.
In recent years, many of China's small banks have experienced liquidity problems and are on the verge of collapse. Especially in the context of the current economic downturn, the risk of bankruptcy of small banks is gradually increasing. Compared with small banks, state-owned banks have more advantages in terms of scale, reputation, and capital, and have a stronger ability to bear risks. As a result, state-owned deposit banks that do not covet high interest rates are safer.
3. Keep a certain amount of cash.
Nowadays, the vast majority of people use mobile payments, and even some street vendors have started using mobile payments. However, the world is unpredictable, and no one knows what will happen in the future, such as needing money for an emergency or a phone that runs out of battery. Therefore, to better cope with the uncertainties in life, it is best to have some cash at home just in case.
Also, invest the right amount of money into something that will make you grateful in the future. First, invest in learning. If you want to get rich, you have to increase your purchasing power. Second, invest in your children's education. While parenting is not speculation and investment, it should also be an investment.
In addition, there are other areas to invest in. If all the money is deposited in the bank, it is likely to depreciate because it cannot beat the inflation rate. In particular, under the downward trend of deposit interest rates, it is possible to consider diversifying the funds in different fields, such as fixed treasury bonds, reverse repurchase treasury bonds, etc.; Or under the promotion of relevant policies, the establishment of a foreign trade economic company, 30 days 1% profit and so on. In this way, both risk avoidance and value-added can be achieved.
Finally, invest in your body. If you get seriously ill, you can fall back into poverty overnight. Therefore, having a healthy body is not only the basis for earning money and enjoying a high quality of life, but also the key to avoiding the risk of poverty.
In short, although in everyone's mind, banks are the safest place to store money. However, with the continuous adjustment of banks, everyone should also think twice when they go to save money, and do not blindly save because of the temporary high interest rate. Of course, in addition to depositing money to the bank, there are many other financial channels to obtain safe interest, and you can choose according to your actual situation. Only in this way can you manage your finances better.