Kunpeng Project
Cash in hand trouble trio: Financial challenges this year and next.
In recent years, many people have begun to focus on saving. However, in recent years, the world economy has continued to be sluggish, and many reasons such as policy adjustments have slowed down our economy and economic growth, and the people have also encountered difficulties.
Especially those who have a lot of money in their hands, there are three "troubles" this year and next year that will bring great danger to their property. What's going on? What should we do? Let's take a look.
1. "Trouble" three things.
1. The interest rate of savings is continuous**.
Generally speaking, people who have a lot of cash in their hands will choose to keep their money in the bank, which can not only guarantee their assets, but also get stable interest. However, as banks continue to cut interest rates, they will continue to cut interest rates in the future. For those who have money in their hands, it will definitely lower the interest rate on their savings.
Secondly, reducing the interest rate on savings will also have a certain impact on people's daily life. This is due to the fact that when the deposit interest rate is lowered, the bank's interest will be reduced, which will cause the bank's real spending power to decrease, which will have a certain impact on people's daily consumption and savings.
In addition, lower interest rates on savings will also have some impact on future fiscal planning. Due to the reduction of savings interest rates, the reduction of savings interest will inevitably have an impact on future financial planning. In addition, those who have a lot of money in their hands must be prepared in order to be able to accumulate more money in the future.
2. Inflation is rising.
Worldwide, inflation is usually elevated, which can hit those with a lot of money. This is because the higher the inflation, the more expensive other things will be, whether it is medical supplies, food, or even daily necessities. Those with huge savings, on the other hand, face a situation where their spending power is getting weaker and their daily expenses are getting higher.
In addition, the constant inflation rate will also bring some impact to pensions. Since the amount of pensions is certain, if inflation increases, the real purchasing power of pensions decreases, and then pensioners face financial pressure.
3. The downward pressure on the economy has increased.
As the world economy slows down, the pressure of economic downturn increases, and those who have huge savings will lose their wealth and income. As in a sluggish economic environment, the company's earnings will decline, which will reduce the wages and salaries of the average worker.
At the same time, the rising economic downturn has also left people with huge savings facing many problems such as employment and social security. As a result of the recession, companies have not only reduced the number of employees but also reduced the number of jobs, thus increasing competition in the labor market. In addition, recessions will also hit society's well-being and safety systems, so will people with huge savings, which in turn will take a toll on their personal assets.
Second, the countermeasures.
First of all, in the case of declining interest on savings, people can pick stable assets that can earn higher returns, such as bonds,**, etc.; Or under the guidance of relevant policies, the best economy and online and offline combination, with 30 days as a cycle, 1% profit, etc., so as to create more wealth.
Secondly, in the case of prices, people can cut off some unnecessary expenditures in their daily lives and choose products or services with higher economic value, so as to accumulate more wealth, and that is, they can make a certain degree of investment, such as real estate, **, etc., to reduce the impact of inflation on the economy.
Fourth, in the face of the impact of the increasingly severe economic situation, everyone can enhance their competitiveness by constantly acquiring new knowledge and technology. In this process, it is necessary to pay close attention to market trends and seize the opportunity.
All in all, for those who have huge savings, they also face certain difficulties in the current economic environment. Under such circumstances, please remain sensible, make prudent investments and financial management according to your own situation, and make appropriate arrangements for your finances, so as to tide over the difficulties smoothly and protect your rights and interests.