Kunpeng Project
Bank staff reminds that in the past two years, it is not recommended to deposit all funds into a fixed account
Today's turbulent times make people even more worried about the future. This disaster has made everyone realize that they must be fully prepared. Everyone keeps their savings in the bank in case they need it. However, sources from banks say that long-term savings may not be the best investment in the next two years. What's going on? Let's find out why.
Savings rates fall, and savings "shrink".
In recent years, because the interest rate on bank savings has been slow, everyone has less savings. Under the current macro situation, in order to ensure profits and stable operations, commercial banks have lowered their savings interest rates. In other words, even if we keep our funds in the bank, it is difficult to ensure a real return. In addition, the rise in ** has also made the real purchasing power of our savings lower and lower.
The evolution and transformation of China's financial industry.
In China, with the continuous development and change of the financial market, various types of wealth management products have emerged in an endless stream. This kind of financial tool can not only bring a higher rate of return, but also has strong liquidity. Investors can invest their money in various financial products, and according to the changes and individual needs, their investment is appropriately adjusted, so as to achieve higher returns and capital efficiency.
Asset allocation and financial planning.
In today's uncertain times, how to distribute assets and plan for financial management has become a major issue for each of us. Only with the correct property distribution and financial management plan can we ensure the security and value of the company. Whether it's a non-adventurous person or an adventurous person, they should focus on their wealth distribution and financial plan. When allocating assets, on the one hand, we should pay attention to diversification and reduce risks; At the same time, it is also necessary to carry out financial planning based on their own specific situation to maximize the long-term value of capital.
Screening and comparison of various wealth management products.
We must make a comprehensive comparison and evaluation of the financial products we buy. Familiar with the risk, return, liquidity characteristics, operating team and past performance of various financial products. On this basis, this paper proposes a risk management strategy based on risk appetite.
Investment psychology and risk control.
In your investment career, you have to have a normal heart. Be clear about your investment objectives and risk tolerance, and don't ignore your own risks just for the sake of high returns. In addition, appropriate adjustments should be made in a timely manner according to the performance and trend of the selected ** to ensure the safety and continuous growth of the **.
When carrying out financial planning, it is necessary to pay attention to the means and means of other financial planning. For example, insurance products, tax planning, debt management, etc., help us manage our finances and prevent risks.
All in all, in the face of unknown factors, it is necessary to strengthen financial planning and asset allocation. When designing wealth management products, we should fully understand the characteristics of various wealth management products and the characteristics of the risks and returns they bear, and make correct financial planning. In this process, it is necessary to have a calm mind and a good concept of risk control. Only in this way can we achieve better economic returns in a highly competitive market.