Why do bankers sell deposits but don't deposit them themselves? Reveal the inside story behind the secret and the "cat greasy".
In our daily life, when we go to the bank to handle business, we often hear bank employees recommend deposit products to us. However, have you ever wondered why these bank clerks, who handle money every day, don't choose to make deposits? Is there anything in this"Catty"This?
You need to understand the nature of the job of a bank clerk. Their primary responsibility is to serve clients through financial consulting and product recommendations. And their income** is mainly salary plus bonus. As a result, the products they recommend are often linked to performance, which explains why they are so aggressive in recommending deposit products.
We must recognize that bank staff do not know all financial products as well as we think. When they recommend products, they are more based on the instructions of the bank and the sales of the products. In other words, they may be more inclined to recommend products with high sales volume and stable earnings over products that are riskier but offer higher returns.
For bank employees, their incomes are relatively stable and there is a certain amount of social security. As a result, they may not need to invest to increase their income. On the contrary, they pay more attention to the safety and liquidity of assets, which is also the advantage of deposits.
This does not mean that bank employees do not invest. In fact, many bank employees choose to invest some of their money in order to get higher returns. They don't put all of their money into investing, but rather diversify their investments according to their risk tolerance and investment goals.
What's behind this"Know-how"？Actually, it's a question about the concept of financial management. For us ordinary people, we often focus too much on immediate benefits and ignore the existence of risks. On the other hand, bankers are more concerned about the long-term security and stability of assets. As a result, they will choose a more prudent approach to investing rather than pursuing high returns in the short term.
When we hear bank staff recommend deposit products, we should not only see their superficial behavior, but also have an in-depth understanding of their financial management concepts. Only in this way can we make our own investment decisions better.
As for why bank clerks don't deposit their own money, I don't think it's because they don't trust the bank, or because they've discovered some secret that we don't know. Rather, it's because they have more comprehensive financial knowledge, more mature investment ideas, and investment strategies that are better suited to them.
Do you want to have the same financial mindset and investment strategy?