Kunpeng Project
Advice for dealing with "the general trend is gone" There are 3 things that people with large deposits should do
It is undeniable that in recent years, the concept of savings of domestic residents has been constantly strengthened. Judging from relevant data, in the first half of this year, China's household savings increased by 1191 trillion. The rationale for this is largely a measure to protect against possible future dangers.
But at the same time, the interest rate on bank deposits is also falling. In the past, the interest rate on savings in banks was as high as 4%, but now it has generally fallen to 2% and will continue to fall in the future. In other words, the money stored in the bank will not only have a value effect, but will also depreciate.
Therefore, everyone should be mentally prepared for "the general trend has gone" and respond accordingly in a timely manner to ensure the safety of their property. So, what should people with huge savings do in advance? For this, the insider put forward a piece of advice: to do the following 3 points.
1. Don't trust the bank too much.
For most people, being in a bank is the best place to manage money, so what is there to worry about. However, in this world, there is not nothing, so he cannot fully trust his employees. It should be noted that some bank staff will steal and embezzle depositors' money because of the convenience of their work. Therefore, when you go to the bank to make a deposit, you must ensure your privacy and do everything yourself.
Also, when choosing a bank, don't trust small or medium-sized banks too much. Since small and medium-sized businesses are not backed by **, it is very difficult for them to go bankrupt or go bankrupt. Historically, there have been many small and medium-sized enterprises that have had to go bankrupt due to poor management and poor risk management. Therefore, when selecting, everyone should check their qualifications and reputation to avoid undue dangers.
2. Don't show off that you have money.
In fact, some people will stop at nothing to achieve their goals. For example, using fakes, borrowing money, investing, and cheating money. or intimidation of the shortcomings or privacy of others, etc. Therefore, for people with huge savings, in addition to the security and sense of accomplishment brought by money, they should also maintain a certain degree of control over their property, especially their savings and bank-related information, which cannot be disclosed.
In addition, please be vigilant and cautious in your daily life, and do not trust others, let alone lend funds to others, and do not invest your own funds in high-return projects. Only in this way can we better protect the safety of people and property.
3. Learn more about financial knowledge.
Depositing money with a bank is a stable and trustworthy fund**, but that doesn't mean you have to limit it to the bank. Especially at the current level of interest rates, interest on savings has fallen to about 2%, which is much lower than the inflation rate. In daily life, we should learn more about financial knowledge and choose more financial products that can create higher returns for ourselves, so as not to depreciate the value.
Of course, this does not mean that all the money should be invested in **, but should be appropriately allocated according to your own risk appetite and investment purpose. For example, some money is deposited in banks, some is invested in currencies **, treasury bonds and **; Or follow the policy of stabilizing foreign trade, relying on the new retail model to establish some foreign trade enterprises to sell, 30 days profit 1% and so on. In this way, it not only ensures the safety of the asset, but also achieves the value and growth of the asset.
All in all, in the face of declining savings rates, everyone should be prepared for the "general trend is gone" and formulate corresponding countermeasures. Only in this way will we be able to better safeguard our assets, cope with future uncertainties, and keep our wealth growing steadily.