Bank employees reveal deposit skills, and ordinary people need to pay attention to four iron rules when depositing
Bank staff disclose savings tips, in 2024, ordinary people must remember the four laws when depositing money in the bank, otherwise they will suffer losses.
Savings, this is a very critical issue, anyone who has surplus money in their hands, will keep their money in the bank, which is the safest and most secure income. Keeping your money in the bank can not only ensure the safety of your funds, but also earn some interest. Although it is said that it is not harmful for him to keep his money in the bank, according to the staff, the average person who wants to deposit money in the bank must keep in mind the four laws.
The auto-dump option is not available.
Auto-rollover is a very convenient way to carry over a fixed deposit to the next page after it expires. In fact, this convenient method also has a big drawback, that is, the previous deposit interest rate is 275%, the interest rate for the next year is 30%, then when the bank's fixed deposit expires, the bank's interest income will be adjusted to 275%。
Don't keep all your money in one bank.
Most people put their own funds in a bank, just to save trouble. According to the bank's regulations, if the depositor's property is lost, then the depositor will be compensated by the deposit insurance, and this time the deposit insurance can only get a maximum of 500,000 compensation, which means that once the amount of savings is greater than 500,000, then the loss of this money must be borne by the depositor himself. Therefore, it is better to keep money in multiple banks together, and even if the bank goes bankrupt, you can withdraw the money without losing anything.
The average person should not choose long-term savings.
If it is an ordinary person, their economic conditions are generally not good, although the savings interest rate of "long-term savings" is higher, but due to the low daily wage level, they will also have various problems in daily life, such as illness, trouble, etc., at this time it is very likely to withdraw money in advance, if you withdraw money in advance, then the interest will become current interest, which brings great benefits to yourself.
It is best for ordinary people not to choose a savings period that is too long, 3 years is fine, most people can guarantee a 3-year term, and they can also ensure their interest income and prevent interest losses caused by early withdrawal.
Don't trust financial products recommended by bank staff.
Due to the increasingly fierce competition among banks, the work pressure of bank employees is also increasing, and some bank employees recommend various financial products to the elderly in order to exceed their work tasks. Therefore, you must be careful when depositing money in the bank, and do not easily trust the recommendations of any financial institution, so as not to incur huge losses.
Saving money in the bank is a good behavior, but when you go to the bank to deposit money, you must keep in mind the four laws to avoid unnecessary losses and ensure your savings income.
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