My sister-in-law has a fixed deposit of 600,000 yuan that is due, and I asked her to buy insurance, and the income is very high, and she thinks I am hurting her!
I work in a bank, and today I overheard my mother say that my sister-in-law has a fixed deposit of 600,000 yuan, which is due in the next few days. I hurriedly called her ** and advised her not to deposit for a fixed period anymore, the interest rate is very low, and it is not cost-effective at all.
My sister-in-law seems to have a lot of resistance to me, and she is not interested in what I say at all. I said it anyway, and my sister-in-law agreed to meet us and talk about it in detail.
After a while, she came to the bank where I worked, and I hurried out from behind.
I pointed to the big screen of the bank, and quickly said to my sister-in-law that the interest rate on bank deposits dropped again a few days ago, and the three-year fixed term was only a few o'clock, which was not cost-effective at all, and the interest rate would definitely be lower than the year in the future.
The survival period is equivalent to white deposit, and there is basically no interest.
Nowadays, many people choose to buy wealth management in order to get more interest, and now many people choose to buy wealth management with high interest rates and no risk.
Seeing that my sister-in-law didn't speak, I didn't refuse, so I hurriedly brought the front desk staff to and continued to explain to her. From time to time, I also pulled out a few from a stack of financial management lists and kept explaining.
My sister-in-law still didn't believe it, saying that she was not sure about financial management, and once she lost it, she couldn't even keep it.
She said that she often sees relevant news on the Internet, how many people have bought money for financial management and insurance, but in the end they have not even kept their capital.
I explained that it was because I bought a bad product, there was no reliable information**, and of course I had to pay for it. I work in a bank, so I'll know anything first.
Now making money does not depend on the difference in product prices, but on the difference in information. As the old saying goes, if you know three days earlier, you will be rich for ten years. Whoever knows the news early will make money.
Besides, your 600,000 yuan is "small money" for me, and I don't pay much attention to it. I can't lie to anyone, I just look at the real relatives, see if you have money or not, I feel very distressed.
The staff said that there was actually nothing too much of a problem. If you are unsure, you can choose to buy insurance. It is safer to buy insurance, and it will definitely not lose money.
My sister-in-law said, don't talk about financial management, now you can't buy insurance. A few years ago, a relative took out 100,000 yuan of serious illness insurance, and her husband spent 460,000, and the insurance company will not reimburse a penny.
The insurance company said that if it did not reach 50,000 yuan, it could not be reimbursed. was so angry that she immediately surrendered the insurance, and it took three months to return more than 8,000 yuan, and her intestines were repentant.
I helped to say that whether you buy financial management or insurance, you must remember not to default and do not surrender the insurance halfway, otherwise it will be really difficult to get the money.
We have a similar example, you can get a lot of money when you come to the end of the year, but you listen to someone else's words and return the money halfway, then of course you can't get the money, the contract is clearly written, not deliberately aimed at someone.
We are a state-owned bank, and we all buy a lot of wealth management and insurance by ourselves. Then, I opened my mobile phone to show my sister-in-law, I also bought more than 200,000 yuan of insurance, and I have to continue to buy it if I have money.
Besides, if it weren't for the sake of my relatives, I wouldn't say this thankless thing, and if you make more money, you won't give me a point, right?
My sister-in-law was obviously shaken, so I asked her to help her choose which one was better.
I said that it depends on your choice, if you want to do it with confidence, it is to choose to just redeem the maturity and the maturity principal, which definitely does not have any risk, but this kind of interest is relatively low.
There are also a few products with high interest rates that do not guarantee the principal, but to be honest, this one is also very certain, and we will not let depositors suffer a little loss.
Later, the sister-in-law chose a sure insurance. The staff gave her another gift, worth more than 500 yuan. If you don't look at my face, there is no such a big gift.
In this way, my sister-in-law's perception of insurance was changed, and when it was time to withdraw the money, she would thank me.
I also feel the value of my work and am proud to be able to help my relatives earn more money.
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