Kunpeng Project
Friends who are ready to deposit in 2024 should note that there are three things not to remember when going to the bank to make a deposit
Friends who want to save in 2024 should pay attention to the three don'ts to save in the bank, many people are still unclear.
In the past two years, our country's economy has undergone tremendous changes, and people's consumption habits have also changed. However, in 2022, many young people will be budget-conscious and will not spend money anymore. As time goes on, as the need for money to save increases, people begin to realize that the need for savings is increasing over time.
Although bank savings can earn a certain amount of interest so that their wealth can be preserved, many people will ignore certain details when saving, thinking that they can rest easy by keeping their money in the bank. In fact, there are still a few small problems to pay attention to when depositing money in the bank, so you can protect your wallet. According to the advice of industry insiders, you must remember three can'ts when depositing money in the bank, so as to achieve asset appreciation.
Savings cannot be measured by the interest on savings alone.
As we all know, if the interest rate is high, you can get a better return on savings, so when many people go to the bank to deposit money, they only pay attention to the bank's deposit interest, and ignore the agreed risks in the process of saving money. In China, the development and growth of banks, now the total number of domestic banks has reached more than 4,600, some banks due to their relatively small scale, the ability to resist risks is weak, in the face of market fluctuations, often face the danger of bankruptcy.
If a bank goes bankrupt, it's a whole bunch of problems, and sometimes you can't even get the money out. Even with deposit insurance, the claim process is still quite cumbersome and takes a long time. Therefore, when choosing a savings bank, do not blindly chase high returns, but also have an understanding of the size and stability of the bank, so as to avoid some unnecessary problems.
Don't use autodump.
When the bank makes a fixed deposit, the bank staff will default to the depositor's automatic rollover, although the automatic rollover is more convenient, but also has a big drawback, that is, its interest rate is not implemented at the current deposit interest rate, but with the original deposit interest rate to rollover, that is, if the deposit interest rate increases, there will be more interest loss. If not, then wait, when your money arrives, and then compare it with the interest rate of other banks, so that your money can play its best role.
Don't save all at once.
Many people go to the bank to deposit all their funds into a fixed account, which seems to be very convenient, but in fact, there is a great risk, if there is an emergency, it will cause the funds in the bank to not be able to withdraw. Therefore, when you go to the bank to save money, you must divide the money into multiple periods, which increases the flexibility of savings and will not affect your savings.
Although bank savings are now the safest way to manage money, there are also various problems when saving money, and a careless will have an impact on your savings. As long as you have a certain understanding of the method of saving, even the account situation, you should pay attention to it, so that the actual value of the property can be achieved.
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