In 2023, Chinese residents deposits increased by 16 trillion, which is now close to 140 trillion.Among all deposits, the increase in residents deposits is the fastest, and the main reason is that under the pressure of economic downturn, residents make preventive deposits in response to possible problems such as education, medical care, pensions, and unemployment.
The residents deposits will continue to increase, and bank employees are "blunt": 2024 bank deposits remember 4 iron law , otherwiseWill suffer!
1: Leave a part of the money for a long time
Now the banks deposit interest rate is getting lower and lower, and it has dropped a few waves in 2023. It will definitely be reduced in 2024. deposit rate cuts will be the future trend.Now the one -year deposit interest rate has dropped to 1.45%, and the 3 -year deposit interest rate is 1.95%.From the perspective of the storage household, locking the current interest rate to prevent it from being lowered. The best way is to pay a long period of money. It is not affected even if the deposit interest rate drops during the deposit period.
Article 2: The duration of the deposit should be scattered
It cannot be deposited for 3 months of short -term deposits, which will lose a lot of interest.It is not possible to deposit long -term deposits for 3 years, so that the liquidity will be poor, and it is embarrassing when you use money.The best way is to leave part of the money for life, in order to prepare for urgent use, some deposit for 3 months, part of the money for 1 year, and some money for 3 years.Long -term deposits are equipped with both income and liquidity.
Article 3: Dont just deposit in a bank
Although the risk of bank deposits is low, theoretically, itoreThere are also risks.The best way to control the risk is that the eggs are not put on a basket, divided the deposits into several copies, and there are different banks, and at the same time, it is not higher than 500,000.
Fourth: Dont mistake financial management or insurance as deposits
Some bank managers attracted everyone to" deposit "in low -risk and high returns, but they do not know that this financial management or insurance is not deposit.
Financial management is very risky, and banks cannot promise to give you the principal pocket. Its risk is much higher than the deposit, that is, the income is obtained by increasing the risk.Insurance income is also high, there is no risk but requires long -term distribution. Generally, it takes 10 consecutive years to return to the book. It takes more than ten years to see obvious returns.In other words, your income is obtained by sacrificing liquidity.
The above 4 points are the advice from friends who work in a bank. In 2024, bank deposits remember 4 iron laws, otherwise it will suffer!