Bank managers conscience advise that before people over 60 years old make deposits, they must keep these four things in mind
The elderly over 60 years old are the most popular type of customers, their funds are stable, the circulation is less, and the product viscosity is high. However, many elderly people are reluctant to manage their own funds, and funds that could have received high returns can now only be kept in banks.
What do you mean by remembering these four points?
Arrange regular savings.
The aging of the population is menacing, and many young people pay the most attention to whether the enterprise has paid social security when looking for a job, and in some state-owned enterprises, people over 60 years old receive pensions according to different levels.
However, most of the elderly will deposit their pension in a bank card, and every time they get their salary, they will deposit long-term savings in the bank for 3-5 years.
Some elderly people don't care how much money is in their bank card, and when they die, their children know that most of the funds in their bank accounts have been converted into bank deposits over the years.
Nowadays, old people are becoming more and more vigilant about fraud, and when it comes to money, they will cover their ears and ignore it.
So, what are the guidelines for people in their 60s to go to the bank to make savings?
Organize your savings properly.
According to the staff's survey, most of the banks are now elderly, especially those who are three to five years old, and they are very stubborn and unwilling to change their savings period.
Many customers are looking for hassle-free, high interest, all things considered, or long-term regular savings are the safest, but for the elderly, their own situation is not stable enough, when their health problems, in the short term need a large amount of money, to deduct these interest, this is not worth it.
Chinese say that only the money in their hands can be assured, I think those customers of yours are not willing to reach out to their children, at this time if our savings can be properly arranged, there is no need to worry about this.
Therefore, for the elderly, it is necessary to allocate their savings ratio reasonably, and set the ratio of fixed deposits to a ratio of 2:5:3, 20% long-term for the long term, 50% for the short term and 30% for the remaining 30% of the current deposit, in case of emergency.
Strengthen security.
The biggest annoyance of the elderly is that they can't remember when their savings are due, although at the beginning of saving, some customers will choose to transfer the money directly, but this is different from the interest you go to the bank to roll, simply put, to make yourself less interest next year.
Although most banks have the function of early repayment, it is also a lot of wealth for individuals.
To avoid this situation, it is best to be at the beginning or end of each month, and in the subsequent rollover, you can also clearly know whether there is a mature deposit, so as not to lose your interest.
It's normal for savings to turn into insurance.
Today's banks can be described as all-round, informing customers every day to pay money, and organizing some ** activities during holidays to attract customers.
For example, banks in some areas will send an affordable rice and flour cooking oil to the elderly, so that the enthusiasm of the elderly will be higher.
However, it is important to know that behind such behavior, there is not only gratitude to customers, but also a big reason, which is to achieve the KPI of "selling products".
Nowadays, banks not only have time deposits and demand deposits, but also financial management, insurance, etc., which have become a common way of doing business, but for the elderly, these need to be treated with caution, because if you are not careful, it is easy to become a "leek".
In 2009, when Uncle Gao went to the bank to do business, the staff recommended a high-return financial product to him.
The staff kept praising Uncle Gao's products and gave a big gift: "This is the last one in our store, and we will be busy making this kind of thing in the store in the future." ”
In the end, Mr. Gao was bought by the clerk, and during the whole process, the clerk was ambiguous, and Mr. Gao only cared about making money, and he didn't know what the clerk was selling.
After a year, Mr. Gao was in urgent need of money, and Mr. Gao, who was anxious, went to the bank, but found that his savings were simply not enough.
Only then did Mr. Gao's children know that they had bought a ten-year insurance policy, and if they withdraw the money now, they may not be able to pay less than 10,000 yuan.
Mr. Gao's son had a big fight in the bank, and said that the staff had violated the rules and didn't say anything, just to fool the old man.
In the end, the bank decided to compensate for the loss, but Mr. Gao was also apprehensive about this incident and lost confidence in the bank.
Although China has made great improvements in the product marketing of financial banks in recent years, for the elderly, it is still necessary to maintain a certain degree of vigilance and not be deceived by the "fooling" of gifts and staff.
Don't keep money in the bank.
Since the People's Bank of China Supervision Committee clearly pointed out in 2014 at this year's work conference that the banking industry should assume its own responsibilities, since then, the question of whether banks can "go bankrupt" has also become the focus of attention from all walks of life.
Elderly customers don't understand the jargon at all, but they just hear the four big words "bank bankruptcy", which means that they don't put all their money in one bank.
According to the Deposit Insurance Regulations, if a bank is on the verge of failure, it can only receive a maximum of 500,000 yuan, that is, in the same bank, it can only receive a maximum of 500,000 yuan.
Don't put all your eggs in one basket", only reduce your own losses to a minimum, the elderly due to physiological reasons, their risk tolerance is not as good as that of young people and young people, so you must be more careful in avoiding risks.
For the elderly, savings is the main economy of their retirement, but because they are easy to be deceived and like to be cheap, they should pay attention to the safety of their funds in the process of making ** transactions.
After completing the above four tips, the elderly should also know that risk and return are proportional, and it is impossible to obtain high-return, low-risk products.
Therefore, while keeping the above tips in mind, the elderly also add an insurance protection to their money.
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