1.Inflation! According to the National Bureau of Statistics, in recent years, China's inflation rate has remained at around 3%. What does this mean? It means that the value of your deposit is constantly depreciating. For example, if you have $100,000 in savings this year, the purchasing power of that money will decrease by about $3,000 next year. And that's just one of the effects of inflation. On the other hand, with the transformation of China's economy, traditional industries are gradually replaced by emerging industries, and the relationship between supply and demand in the labor market has changed, resulting in prices. In this case, the deposits in the hands of ordinary people will face greater downward pressure on purchasing power.
2.Interest rates are trending downward! In the past, people saw deposits as a relatively stable way to invest, and when bank rates were high, deposit yields outperformed inflation. Nowadays, however, bank deposit rates are decreasing, with a 1-year deposit rate of just 1About 5%. This means that it will be difficult for you to grow your wealth by making a deposit. On the contrary, as interest rates fall, deposit yields are gradually shrinking, and the attractiveness of ordinary people's deposits is also weakening.
3.Diversify your risk! Internet finance, real estate and other investment methods have attracted a large number of investors. However, behind this diversification of investment channels, it also means diversification of risks. For ordinary people, how to find a suitable way to achieve wealth appreciation through many investment channels has become another grim reality in front of them.
4.Financial management is declining! However, the gradual decline of the current wealth management market is obvious to all; Market changes, ** is naturally also implicated by this, in the current situation, whether it can respond to the policy is still two different things.