The bank manager sincerely reminds the elderly over 60 years old to be cautious in their deposits, and three points must be kept in mind
Introduction: At present, due to the continuous reduction of savings interest, the number of young and middle-aged people who put their savings into consumption and investment is gradually increasing, and the elderly in their 60s have become the main force of bank savings. They will choose to save because they have a little extra money every month, and secondly, to avoid higher investment risks. However, here the presidents still want to remind the elderly in their 60s that there are four important points to pay attention to when saving.
Keep your savings safe in mind.
The safety of savings for the elderly** depends on the protection of savings and the careful consideration of the savings organization. Elderly people who are old and forgetful will write down the password on the card, and if the card is lost, the criminal can easily get the password and transfer the money away. At the same time, some elderly people find the bank troublesome and tell the bank staff the information and passwords, and this behavior is also in danger of being taken advantage of by some criminals. In order to protect the property safety of the elderly, please pay attention to keep your bank card and password. In addition, there are some elderly people who see the high interest rates of small and medium-sized enterprises and keep all their savings in the same bank. However, concentrating a significant amount of money on multiple small and medium-sized businesses minimizes risk. Even small and medium-sized businesses can be fully compensated as long as they do not exceed the principal and interest of 500,000 yuan. Therefore, the elderly should improve the security of their savings.
Expansion: In addition to ensuring the security of their savings, seniors can also consider other ways. For example, change your password frequently, and don't put your password and your credit card in the same place, which will make it more difficult for you to decipher. In addition, the elderly can also know their account status through the SMS reminder on their mobile phones, so that they can be the first to detect anything abnormal. When the elderly are saving, they can also ask the staff for advice, figure out the characteristics of various savings products, and choose the appropriate savings method under the condition of risk control to ensure the safety of the people.
Attention must be paid to the preservation and appreciation of savings.
Many older savers tend to save money in the Big Four because they think it's safer and safer. In real life, small and medium-sized savings institutions participate in the "savings insurance" system, and the willingness of the elderly to save will be guaranteed. The interest rate on the savings of small and medium-sized enterprises is higher than that of state-owned banks. In addition, older savers can also invest their money in financial investments such as large certificates of deposit, treasury bonds, and currency**, which have higher returns than ordinary savings. Therefore, in addition to ensuring the safety of savings, the elderly should also pay attention to the preservation and appreciation of their savings, so as not to depreciate them by inflation.
Expansion: In addition to the preservation and appreciation of savings, the elderly can also diversify their investments in assets such as *** and ** to achieve efficient asset appreciation. When purchasing financial products, the elderly should carefully evaluate and select financial products based on their own risk appetite and economic purposes. In addition, the elderly can also choose to buy a longer annuity to have a solid financial support for their later life. Through the scientific planning and allocation of enterprise resources, the multi-level and multi-level benefits of the enterprise are achieved.
Pay attention to the liquidity of your savings.
Many depositors will buy a three- or five-year term savings to earn a higher interest rate. However, for those over 60 years old, it is not recommended to fix their savings within 1-2 years. As people get older, the risk of illness and emergencies increases, and there is an opportunity to withdraw cash in advance, and savings can enjoy less interest. Elderly depositors can be divided into years, such as one, two, three years, and after the expiration of each year, they can also choose to deposit again into a new three-year term, which not only ensures the liquidity of savings, but also can get longer-term interest. In general, the liquidity of savings is very important for the elderly.
Expansion: In addition, in order to increase the liquidity of savings, the elderly can also choose other ways. For example, through the opening of online banking business, you can inquire and transfer funds at any time, so as to achieve fast circulation of funds. In addition, when the elderly are concerned about saving income, they can also take into account the elasticity of savings and choose financial products with early withdrawals, so that they can quickly withdraw their money when necessary. In addition, the elderly can also set up an emergency deposit account in case of emergency, so as to ensure the quality of life and the flow of money for the elderly.
Enhance your ability to protect against fraud.
In recent years, the elderly have often been victimized by telecommunications and online fraud. Some people use the identities of relatives, friends, and staff to commit fraud, resulting in many elderly people's deposits being defrauded. Therefore, for those elderly people who have huge savings, they must be more vigilant against scams in order to protect their savings over the years.
Expansion: Seniors should strengthen fraud prevention efforts in the following areas. First of all, the elderly should be vigilant and do not easily believe strange **, text messages, and online messages, so as not to leak their privacy. Secondly, the elderly can change their passwords regularly and clean up spam text messages, emails, etc., which can reduce their risk of being spoofed. In addition, the elderly can also strengthen the identification and handling of various fraud methods through family members, bank staff and other channels, and effectively protect their own property and property safety.
The conclusion is that the elderly are the main savings objects of the bank, so when saving, they must protect their personal information and passwords, and they must be cautious when choosing savings institutions, so as to reduce risks. On this basis, it is proposed that the elderly should pay attention to the preservation and appreciation of the value of savings, diversify the investment structure, and strengthen financial management. In addition, the elderly should pay attention to the flow of savings and the flexible use and management of capital. In the face of increasing fraud, the elderly should remain vigilant and enhance their ability to protect themselves to protect their property. In short, the elderly should take into account the safety, profitability and liquidity of deposits, and manage their assets scientifically and correctly, so as to better protect their asset security and financial stability.