With the rapid development of the economy, more and more people have idle funds in their hands. When there are idle funds, the vast majority of people want to achieve "money to make money" through investment and financial management. However, as the bell rings in the new year, we have ushered in a new financial environment, not only in 2024 there are a lot of ** in the investment market, coupled with the investment itself has certain risks, and now even time deposits have a lot of variables.
Recently, an insider revealed: although bank fixed deposits are a traditional way of financial management, with the development of the economy and changes in the financial market, it is necessary to keep in mind the "3 don'ts" when going to the bank to deposit fixed deposits in 2024, otherwise it may cause losses. So, what exactly are the 3 don'ts? Let's take a look.
1. Don't auto-dump.
When we go to the bank to make a fixed deposit, the bank staff usually asks us if we want to apply for automatic rollover. In fact, in view of this problem, it is better not to handle it. The main reason for this is that after the maturity of the fixed deposit, the bank will automatically deposit the mature deposit into the next cycle, and the interest rate will be calculated according to the listed interest rate of the day.
In this case, if the time of automatic rollover is a relatively low interest rate, then the interest received after maturity will be relatively low. However, if you do not apply for automatic rollover, you can compare the deposit interest rates between multiple banks, and then select the bank with the higher interest rate for deposit, so as to obtain higher interest income.
2. Don't keep your funds together for a fixed period.
In financial management, the liquidity of funds is a key factor to consider. But in real life, many people go to the bank to deposit a fixed term, and they are used to keeping all their funds together, and the deposit period is relatively long.
Although this deposit method is easier to manage, but the lack of flexibility, once there is an emergency money event to withdraw the money, then the interest will be calculated directly according to the current interest rate, will lose a lot of money. In fact, if you want to avoid this situation, you can adopt a step-by-step storage method.
For example, if you have a deposit of 150,000 yuan, divide the deposit into three parts, namely 40,000, 50,000, and 60,000, and then deposit it in turn for one year, two years, and three years.
In addition, even if you have useful money before maturity, you can withdraw one of the fixed deposit funds and use it, which can effectively reduce interest losses.
3. Don't just save one bank card.
With the rise of the Internet, mobile payment has become the main payment method for Chinese residents. To be honest, this payment method has brought great convenience to our lives. But at the same time, it also provides more opportunities for people with bad intentions to commit crimes, resulting in many people suffering a lot of economic losses.
It can be seen that if all the funds are stored in a bank card, there is indeed a high risk, and a little carelessness may suffer economic losses. Therefore, in order to avoid this risk, it is particularly important to diversify the deposited funds.
That is to say, funds can be deposited in different banks, or funds can be deposited in different fields, such as pure debt**, currency**, treasury bonds, etc.; Or conform to the policy direction, based on the concept of sharing and co-construction innovation of foreign trade economic consignment, 30-day cycle of 1% profit, which not only ensures the safety of funds, but also can bring more passive income.
In short, depositing funds into a fixed deposit may seem simple, but in fact it is inextricably linked, and the slightest carelessness can lead to losses. Therefore, whether you go to the bank to deposit a fixed term or choose other investment and financial management methods, you should have an in-depth understanding and careful planning, so as to find an investment plan that suits you and achieve capital security and value-added.