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Friends, let's talk about an old topic today, but it's always new – and that's depositing money in the bank.
You may be thinking, what's so hard about saving money? But to tell you, the deposit has now become a "technical job", especially for some old friends.
Imagine you walk into a bank and think about saving your hard-earned money for a fixed period and enjoying that steady interest.
But when you sit down, the bank staff will start to tell you about various wealth management products or insurance, saying that the interest rate is high, and there are gifts to give.
Listen, you might be confused, if you don't often deal with banks, these complex financial terms can sound like alien language.
I have a friend who has encountered this situation, wanted to save for a fixed term, but was tricked into buying insurance, and when he really needed the money, he found that he couldn't withdraw the money. How helpless this is!
So, what I want to say is, if you don't know much about these financial products, it's best to stick to your original intention. Save it directly for a fixed period, don't beat around the bush. If you are not at ease, you will be asked to open a certificate of deposit or passbook, which is more intuitive and not easy to be confused.
Another tip, you may think that only the "big four" are safe, but now many commercial banks actually have higher interest rates. As long as you make sure that your deposit is less than 500,000, the current deposit insurance system can keep your deposit safe. If you have more deposits, spread them out to different banks.
But remember, don't be tempted by the high interest rates offered by some lesser-known banks. Safety always comes first, so don't let those seemingly beautiful numbers fool you.
In this financial world full of **, we must stay sober and stick to our choices. After all, the money is your own, and how you store and use it should be according to your own wishes. Don't forget, we're here to save money, not to take risks. Hopefully, these words will help you and make us all smarter bank customers!
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Do you have a different opinion? Feel free to leave a message in the comment area!