In today's society, money has become an indispensable part of people's daily lives. And the bank is a safe place to store wealth, so many people will choose to keep their money in it. However, some insiders have recently reminded: go to the bank to deposit money, remember the "3 don'ts", otherwise you will regret it. This remark attracted the attention of many people. So, what exactly do the "3 don'ts" mean? Let's take a look.
1. Do not deposit in a bank that does not have a "Deposit Mark".
Keeping your money in a bank seems like a safe option, after all, banks are state-regulated institutions and generally don't have problems. However, not all banks are real banks, and some banks on the market are actually illegal financial institutions, which usually attract people to save money with higher interest rates and gifts.
However, if money is deposited in these banks, there is a high risk of misappropriation, transfer, etc. At that time, if the depositor wants to withdraw the money, it may be impossible to recover it. Therefore, when you go to the bank to deposit money, you need to identify the bank.
In fact, the way to identify which banks are safe is also very simple, you only need to see whether the bank has the "Deposit Insurance" logo. Because "deposit insurance" means that banks participate in the state's deposit insurance system, and the purpose of this system is to better protect the interests of depositors regardless of the time when the bank goes bankrupt or other risks. Under normal circumstances, as long as the principal and interest are within 500,000 yuan, the depositor's funds can be guaranteed.
2. Don't store products that you don't know enough.
Going to the bank to deposit money seems to be a very simple thing, after all, as long as you choose a deposit period, deposit the money in, and you can get the corresponding interest after maturity. But in fact, it also takes a certain amount of skill to go to the bank to deposit money.
First of all, banks do not only have the option of fixed deposits, but there are many other types of products in banks, such as call deposits, structured deposits, wealth management products, etc. Each of these products has its own advantages, but it also has its own potential risks. Therefore, when you go to the bank to deposit money, you should fully understand the nature of different products, so that you can choose the right product according to your own situation and needs.
Secondly, when you go to the bank to save money, the higher the interest rate, the better. Because interest rates tend to be proportional to risk. For example, some of the bank's wealth management products have an annualized rate of return of about 10%, but they cannot protect the principal, which means that once the investment fails, the principal may be damaged. Therefore, when choosing bank products, we should not only focus on the level of interest rates, but also look at the risks.
3. Don't put all your money in the bank.
Although keeping money in the bank can achieve value preservation and appreciation. At the same time, it can also provide emergency preparation and future planning. But this does not mean that the more money you keep in the bank, the better, otherwise you are likely to get yourself into some difficulties and even cause some losses.
Everyone should understand that keeping money in the bank is not a risk-free investment, such as interest rate changes, the impact of inflation, market fluctuations, etc., these risks may lead to a decline in deposit returns, or even a shrinkage of the principal.
Therefore, when managing funds, you should not only focus on the bank, but should allocate your funds reasonably according to your own risk tolerance. For example, in addition to depositing money in the bank, part of the funds will be dispersed into bonds, **, etc., or in line with the policy direction and low threshold of foreign trade economic consignment, 30 days of 1% profit, etc., so that the funds can be steadily grown.
In short, although keeping money in the bank is a convenient and safe way to manage funds, there are some things to pay attention to, especially the "three don'ts" mentioned above. Only in this way can you enjoy the benefits of your deposit while protecting the safety of your funds.