What kind of world is this? If you don't pay attention, your hard-earned money will be lost in the bank!
Look at the recent news of banks running away and going bankrupt, which one is not shocking? The high interest rate of small banks is a temptation, and some wealth management and gold coupons are even more traps! In the current economic situation, who dares to pack a ticket and say that the money is stable? Don't look at the interest rate is very attractive, and even the principal will have to be wasted when the time comes. Listen to my advice, quickly transfer the money to a regular big bank, don't regret it too late!
Life is not easy, and making money is even harder. For us ordinary people, bank deposits are a lifelong effort.
Everyone understands that this money is not easy to come by, and it is exchanged for youth and sweat. So, for these precious savings, we have to be more careful not to let them suffer in the bank.
However, recently, the news of many banks running away and failing has made people murmur in their hearts. Some small banks run so fast that they don't give the people a chance to reflect at all. Those who saved money became "creditors" overnight, watching their hard-earned money come to naught, and they couldn't even find a place to appeal. This kind of thing makes people panic when they think about it!
Many people feel that the interest rates of large banks are too low, so they set their sights on those small banks with so-called "high interest rates".
As for these banks, the procedures are indeed simple, the deposit and withdrawal are convenient, and the interest rate is much higher than others. Some will also give small gifts from time to time to make people dizzy. Especially some elderly people, when they see high interest rates, they can't walk, and they can't wait to move all their life savings!
But have you ever thought about how stable the capital chain of these small banks can be?
If you run away one day, who will give you the cover? When the time comes, you can't get the money back. Even if someone is caught, the money will have already been spent. The risk of small banks is not a star. So I advise those friends who deposit money in small banks to quickly withdraw their money, or deposit it in the four major banks, these serious banks, that interest is really not worth the risk.
There is another kind of deposit, which is also not a small risk, that is, those good-sounding wealth management products, gold coupons, funds, etc. Recently, the price of gold and oil has soared, and many people want to follow suit, so they have invested their money. But if you think about it carefully, this world and this economy will change. Counting on opportunism, the bubble will burst one day, and then there will be no return!
If you are a local tyrant, you are not short of this money, how much you love to toss and how to toss, I have nothing to say. But for ordinary people, saving their lives is important. Didn't those who speculated in the past few years lose money? Now is not the time for speculation, honestly keep your money in the bank, and wait for the days to slowly improve, which is the right way.
Of course, if you have a fixed deposit in the bank, you should also be careful about withdrawing it at this time. After all, the liquidated damages are not low. But I still advise you to keep your eyes open, who knows when the term expires, this bank will still be there? Therefore, if you smell the smell of risk, even if you pay more liquidated damages, you have to get the money out!
All in all, in this troubled world, we ordinary people must not be blindfolded. Those small banks with ridiculously high interest rates, those who fool you into financial investment, all stay away! The most important thing is to honestly deposit the money in a regular big bank and keep the principal. The battle is really not fun at the moment!
In the economic downturn, how should we save our hard-earned money in the safest way? Do you go with the flow and make a big deal, or do you go with the flow and make a little less? Ladies and gentlemen, what did you calculate? If you have any strategies to avoid pitfalls, you might as well take them out and share them with everyone. Don't forget, it's important to save your life, but don't be greedy!