Although it is difficult to compare the current deposit interest rate level with the previous level, in view of the withdrawal of capital guaranteed wealth management from the market, bank fixed deposits are still one of the common choices for ordinary people who want to ensure the safety of funds and get a certain amount of interest. However, there are some ways to pay attention to when depositing a fixed deposit. In 2024, if ordinary people want to deposit fixed deposits in the bank, they need to pay attention to the "3 don'ts".
Don't fail to find out about the banks around you
The first thing to explain is that before a person saves money, if he wants to save money, he must pay attention to collecting enough information, and do not blindly save without first understanding the surrounding banks.
Because there are many banks in China, there may be a big gap in the deposit interest rate level of these banks, if you don't know in advance which bank has a better deposit interest rate around, but keep your money in a certain bank at will, you may not be able to get high interest rates.
The above is for profitability, don't fail to understand the bank, but also because the security of the bank may not be the same. Some banks are classified as systemically important banks in the country, and they are too big to fail, and it is very safe to keep money in them. However, in some banks, depositing money may encounter things such as the restructuring and merger of the bank, although in the event of such a thing, the depositor's deposit security will not be lost, but more is better than less.
In addition, in some information, we will also see that sometimes there are fake banks, if depositors are unfortunate to really come across such a bank when depositing money, then the safety of funds may be damaged.
Don't lose sight of liquidity
Second, don't lose sight of liquidity. Sometimes things don't wait for anyone, although people want to let the fixed deposit honestly hold the maturity, but in some cases, in order to solve some unexpected events, a large amount of money is needed for emergency, and it may happen that the long-term deposit has not been held to maturity, but has to be withdrawn in advance, losing a large amount of interest and other things.
For example, for example, there are 200,000 yuan in 3In the case of a 5-year fixed deposit with an interest rate of 2%, if it has been held for 4 years, if it can be held at maturity, the total interest for the first four years is 25,600 yuan. If you have to withdraw it in advance in order to pay the surgery fee for your relatives, the interest rate is about 1,600 yuan. The interest difference is more than 20,000 yuan, which is equivalent to the money that some people have saved in a year.
Therefore, when using fixed deposits to manage funds, it is only recommended to use them to ensure that the money that can be held at maturity, and for the money with an indefinite period or for emergency purposes, it can be managed in other ways, such as bank change wealth management, savings treasury bonds, etc.
Don't ignore the trend of deposit interest rates
Also, don't ignore the trend of deposit rates. Some people don't have a long-term vision, and they always feel that the trend has nothing to do with them, but in fact, it has a lot to do with it. For example, when the house price is trending, you can buy a house. And when house prices are on a downward trend, it is necessary to start cautiously.
When depositing a fixed deposit, the trend of the deposit interest rate is also important. For example, in the case of deposit interest rate, if you save money early and save for a long time, you may not be able to enjoy the high interest rate after further **, so you can save a short-term first, and then save for a long time if you feel that the deposit interest rate is already very high. In the past two years, the deposit interest rate has fallen, and the correct way to deal with this trend is to take advantage of the fact that the deposit interest rate has not been further reduced, and put long-term spare money into long-term deposits to lock in high interest rates. In addition, you can also use the help of some policies to support the foreign trade economy consignment, 100,000 yuan per month 1,000 yuan profit.
In short, if you want to save more cost-effectively, you need to pay attention to and apply some skills. In 2024, if ordinary people still want to take care of their funds with the help of fixed deposits, they may wish to pay attention to the above "3 don'ts".