In the financial market, fixed deposits have always been a favored product by the majority of investors. It has low risk and stable returns, and has become a "financial artifact" in the hearts of many people. However, do you really understand fixed deposits? Recently, a manager with 8 years of banking experience revealed that customers with fixed deposits in the future had better keep in mind the "three non-deposits". What are the "three non-existences"? Let's find out.
The story takes place in a small town, and there is an Uncle Wang, who is a retired teacher in the town. Uncle Wang was frugal all his life, and after retirement, he deposited all the pensions he had accumulated in the bank. All the while, he thought his way of depositing money was safe, until one day, he met the bank manager.
The bank manager told Uncle Wang that although fixed deposits are relatively safe, there are also three "blind spots" that need special attention. These three "non-existent" are:
No "dead end": Many people believe that the longer the term of a fixed deposit, the higher the return. As a result, they tend to choose to keep long-term fixed deposits. However, the bank manager pointed out that long-term deposits, while yielding more, also mean that funds are less liquid. If you need to use the money during this time, withdraw it early, it will cause a loss of interest. Therefore, he suggested that you should choose the appropriate deposit period according to your own capital needs to avoid "dead periods".
Don't deposit a "single variety": Many people like to put all their money into one wealth management product, thinking that it is safer. But in reality, this is wrong. The bank manager explained that wealth management products are also risky, and if all the funds are deposited in one product, once there is a problem with the product, it may lead to the loss of all funds. Therefore, he suggested that we should diversify our investments and not have a "single variety".
Don't "follow the trend": In banks, there are often some "hot" wealth management products, and many people blindly follow the trend to invest. However, the bank manager stressed that wealth management products do not "follow the trend" to obtain high returns. According to your own risk tolerance, investment period and other factors, choose the right financial products for yourself. Otherwise, blindly following the trend, you may fall into the "trap".
After listening to the bank manager's words, Uncle Wang suddenly realized. He decided to adjust his deposit method and follow the principle of "three no-deposits" to ensure the safety of his pension.
Conclusion: In the financial market, wealth management products emerge in an endless stream, and investors must be vigilant when choosing to avoid falling into the trap of blindly following the trend. At the same time, it is necessary to reasonably allocate wealth management products according to their own capital needs to ensure the liquidity and safety of funds. Keep in mind the "three no-deposits", keep you away from the blind spot of fixed deposits, and protect your "money bag".
February** Dynamic Incentive Program