People with large amounts of cash could face three troubles this year and next
In recent years, more and more people have become aware of the importance of saving. However, in recent years, due to factors such as the continued global economic recession and political adjustment, not only China's economic growth has been relatively slow, but ordinary people are also facing some challenges.
Especially for those who have a lot of cash on hand, there are three that could emerge this year and next"Question"can pose a serious threat to assets. What are they? What should be done to deal with it? Please see here.
i.Three"Question"
1.Deposit rates continue to fall.
Generally, people who have a lot of cash on hand keep their money in the bank to keep their money safe and receive a steady interest. However, at present, the deposit rate has been continuously lowered, and there is a trend of downward adjustment in the future. For those who have deposits on hand, this undoubtedly means that the interest income on the deposit will be reduced.
Secondly, the decline in deposit rates may also affect daily life. This is because a decrease in the interest rate on deposits and a decrease in the interest on deposits will lead to a decrease in the real purchasing power of deposits, which will have an impact on daily life such as daily consumption and savings.
There is also the fact that a decrease in deposit rates can have an impact on future financial plans. Because the deposit interest rate has fallen, the deposit interest will not be reduced, which will undoubtedly affect the future wealth accumulation plan. And for those who have large savings, they need to plan their savings and investments more carefully in the future, so that they can have more wealth.
2.Inflation is rising.
As the world economy continues to grow, so does inflation, which is affecting those who have a lot of cash on hand. In fact, as inflation rises, so does the price level, whether it's medical products, food, or basic necessities, all of which are substantially higher. This means that people with large savings will have to face problems such as declining purchasing power and a gradual increase in daily expenses.
In addition, the rise in inflation will also have an impact on pensions. Since the amount of the pension is fixed, inflation will lead to a decrease in the real purchasing power of the pension, which will put financial pressure on the pensioner.
3.The downward pressure on the economy has intensified.
Downward pressure on the economy has increased due to the slowdown in global economic growth, which could affect the wealth and income of those with large savings on hand. This is because, against the backdrop of an economic slowdown, corporate profits will also fall, which will lead to a decrease in the wage income of ordinary workers.
In addition, the increasing downward pressure on the economy also means that people with large savings will have to face employment and social security challenges. Because in a recession, companies will not only stop hiring, but also lay off employees, leading to increased competition in the labor market. At the same time, the economic downturn may affect the social security and welfare system, and as a result, people with large savings may also be affected, which can affect wealth accumulation.
ii Coping methods.
First of all, in the face of the continuous reduction of deposit interest rates, you can choose some stable forms to obtain high returns in the form of bonds, ** and other value-added forms; Or under the active guidance of relevant policies, the integration model of online and offline integration will appear, and the profit of 1% in the 30-day cycle will be sold in the name of foreign trade economy, so as to bring more wealth.
Second, in the face of rising inflation, people can usually reduce some unnecessary expenses and choose cheaper goods and services to accumulate more wealth. At the same time, you can also invest in some anti-inflation assets, such as real estate, **, etc., to reduce the impact of inflation.
Finally, in the face of increasing downward pressure on the economy, we can continue to learn new knowledge and skills to improve our competitiveness. At the same time, pay attention to market dynamics and political changes in a timely manner and seize opportunities.
In conclusion, in the current economic situation, citizens with large deposits may also face some challenges. In this case, people should remain rational, adhere to prudent financial management and investment according to their own situation, and plan their finances reasonably, so as to tide over the difficulties smoothly and safeguard their personal interests.