Unsure of the money? Is your wealth strategy ready for the changing world of bank deposits?
Hey, friends, do you feel that the money bag in your hand is a bit of a "slimming" trend recently? Yes, the banking world is making waves again, with a series of new policies making deposit and cash management less straightforward. Don't worry, let's take a deep look at the impact of this banking revolution on us.
1. With the decline in deposit interest, is your "after-sleep income" okay?
Imagine working hard for a year, putting your hard-earned money in the bank, thinking that you could earn some interest, only to find, oops, how is this interest getting less and less? That's right, that's the current state of interest on bank deposits. The Industrial and Commercial Bank of China, the Agricultural Bank of China and other major banks, the one-year deposit interest rate for lump sum deposits and withdrawals has dropped from 1.65% to 1.35%, and the three-year deposit rate has fallen from 2.6% to 1.75%.
You do the math, if you deposit 100,000 yuan into it, the interest will be reduced by hundreds after a year, and after three years, the loss will be even greater. Now that prices are soaring, but wages can't keep up with the rhythm, how can you live these days? Some people say, then if you save more money, won't the interest be more? But the problem is that housing prices are high, rents are expensive, and the cost of living is rising.
2. Is your "freedom" restricted by the new cash management regulations?
In addition to the decline in interest rates on deposits, banks have also introduced new rules on cash management. In the future, if you deposit and withdraw more than 50,000 yuan in cash, you will have to register the purpose and verify your identity. Tell me, how can you have to be so troublesome to deposit and withdraw your own money?
It was explained that this was to prevent illegal activities such as money laundering and fraud. But I think this rule seems a bit too much. If you really want to do something illegal, who would be stupid enough to deposit and withdraw so much cash at once? Besides, we ordinary people, how can we have so much money to save and withdraw? Isn't this "managed" us honest people?
3. Financial problems, how to realize your "wealth dream"?
In the face of lower deposit rates and new cash management regulations, we ordinary people are really in trouble. The stock market is risky, and you can lose the principal if you are not careful; What about real estate, housing prices are frighteningly high, how can there be so much money to invest? Besides, the property market policy has changed and changed, who knows what new tricks will come out one day?
There are a variety of financial products, but those professional terms are dazzling. What if I buy a fake one or lose money? We have to think carefully about how to go on this road of financial management.
Fourth, the temptation of high interest rates, is your "vigilance" strong enough?
When it comes to financial management, I have to remind you that the temptation of high interest rates is risky! At present, some illegal fund-raising projects are under the banner of high interest rates to attract those of us who want to make money.
A few years ago, you still remember the P2P explosion, right? How many people have lost their money! Now that interest rates are lower, this could be even more so. We have to keep our eyes open, and don't be fooled by that little profit. You know, pies don't fall from the sky, and what falls is likely to be traps!
Fifth, be careful in your budget, how to keep your "money bag"?
To be honest, this new change in bank deposits has really had a great impact on us ordinary people. It is estimated that in the next five years, the interest income of Chinese households may be reduced by about 500 billion yuan. That's not a small amount!
We've got to get by! In the future, if you buy a refrigerator or change a mobile phone, you have to weigh it carefully. Our money is not blown by the wind, we have to cherish it. We have to learn how to manage money and learn to invest, and don't just keep our money in the bank and eat interest. Nowadays, there are so many financial products and investment channels that people are dizzying, and we have to distinguish which one is really suitable for us.
6. Comparison at home and abroad, it's time for your "wealth view" to be updated!
Let's look at the situation abroad. The United States has been raising interest rates in recent years, and Japan has ended its negative interest rate policy. On our side, we're lowering interest rates. That's too much of a contrast! Although it can't be easily compared, this difference is still a little worrying.
We need to update our view of wealth! You can't just save money and eat interest. We have to work hard to improve our income level, after all, income is the key factor that determines whether our money bags are bulging or not! At the same time, we also have to learn to manage money and learn to invest, so that our money bags can really bulge!
7. Conclusion: Are you ready for the battle to defend the money bag?
Oh, having said all that, what the hell should we do with our money bags? I think we're going to have to fight the battle to defend our money bags! We've got to get by! In the future, you will have to think about buying a refrigerator and changing your mobile phone. We have to learn how to manage money and learn to invest! Although we ordinary people may not know much about those complex financial products, treasury bonds, etc., we can learn more and understand more. We've got to keep our money bags safe! Don't let the money slip away
Finally, I want to say: bank, you have to take it easy! Don't keep staring at our money bags! It's not easy for us ordinary people! I hope that our money bags will become more and more bulging in the future! Our days can get better and better! We have to win this battle to defend our money bags! Well, that's all for today! If you have anything else to say or ask, you can leave a message below! Let's talk together! Let's see how our money bags can be puffed up!