With the improvement of China's economic level, the financial market is also developing smoothly. Similarly, with the growing market, the concept of investment and financial management has gradually penetrated into the lives of residents. With the income level of ordinary people, coupled with the impact of inflation, more and more people are inclined to take care of their wealth.Of course, there are many ways to manage wealth in the market, but bank deposits have always been one of the most popular ways for residents. So why do some people insist on time deposits in this era of high-yield products? Industry insiders give the answer to this! Let's find out!
1. Advantages of forced savings.
As we all know, the longer the deposit period, the worse the liquidity of the principal. This is a disadvantage for some residents who do not like to have a fixed amount of money for a long time.
But for those who want to restrain their desire to spend money and force them to save money, this must be an advantage. After all, saving money in an era full of ** is as hard as it gets. Therefore, fixed deposits can help people with poor self-control to accumulate money more quickly.
In addition, for some people, the biggest advantage of fixed deposits is that they can lock in interest. It has excellent anti-risk ability for unknown risks in the long term.
2. Strong capital preservation.
In addition, with the withdrawal of capital guaranteed wealth management from the market, it is now impossible for residents to achieve capital guaranteed income through wealth management products or investment products purchased by banks. For the current turbulent financial management and investment market, the risk that residents need to bear has greatly increased.
Fixed deposits, on the other hand, do not have this kind of trouble, which can not only fully guarantee the safety of deposits, but also have a very high degree of protection in terms of income stability. For ordinary people who do not have much investment experience, fixed deposits must be a high-quality option to take care of their savings.
3. How to get more benefits when interest rates fall.
Of course, with the impact of the social economy, the deposit interest rate in the bank is not as good as before, and it is basically unrealistic to get more income through the bank.
Even in the context of large-scale bank campaigns, depositors are limited in their benefits. In the era when the price level continues to be the best, if the money is only stored in the bank, I am afraid it is difficult to even protect the capital. But the performance of the investment and wealth management market is very frightening, so what else can we do at this time?
For Chinese people who pursue the safety of the principal and stable income, the best way is to diversify the channels, do not put all the funds in one channel, and help the wealth to increase with the help of the characteristics of different channels, such as the use of currency, fixed investment or foreign trade economic consignment under the promotion of stable foreign trade policy, 30-day cycle of 1% profit and other channels with low risk to achieve steady value-added.
In general, no matter how the times change and how the financial market develops, fixed deposits have always been the most worthwhile way to manage their finances for the people at the bottom. Although the return of fixed deposits is not much, it must be the safest way to manage money. So, what do you think about this issue?