Text | Tomato cantaloupe
Edit | Tomato cantaloupe
Attention to families with deposits of more than 50,000! From October 1, bank deposits have changed dramatically
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Do you remember the "golden age" when the interest rate on bank fixed deposits was as high as 4% or 5%? At that time, the hard-earned money deposited in the bank, it seems that you can enjoy stable happiness, the wheels of the times are rolling forward, the "myth" is quietly changing, from October 1, a number of bank deposit interest rates ushered in the adjustment again, the once enviable high interest rate has become a thing of the past, replaced by the declining deposit income, in the face of this silent "deposit change", those deposits of more than 50,000 yuan, accustomed to "lying to earn" interest family, how to deal with it?
Once, bank deposits are the first choice for many families to manage their finances, safe and stable, considerable returns, is the default "wealth safe" in people's hearts, as interest rates continue to fall, the income of bank deposits has gradually "shrunk", once the "sense of security" seems to have cast a shadow, for those families with deposits of more than 50,000 yuan, this is a signal that cannot be ignored
Just imagine, in the past, depositing 50,000 yuan in the bank for a fixed period of three years could get a lot of interest income every year, enough to pay for the cost of a domestic trip for the whole family, but now, with the same deposit amount and term, the interest income may not even be affordable for a plane ticket, which is not alarmist, but the reality that many families have to face under the downward trend of interest rates
In the face of such changes, some people may feel anxious and confused, the once accustomed way of financial management no longer seems to work, and the future of wealth management has become confusing.
The answer is, of course, no, although the decline in interest rates has brought an impact on the traditional concept of financial management, but it has also prompted us to think more actively and explore new wealth management models
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Instead of putting all your eggs in the same basket, it is better to diversify your investments and reduce risks, in addition to traditional bank deposits, we can also choose to invest part of your funds in low-risk financial products such as bond funds and money market funds, although these products have relatively low yields, but the risks are also relatively controllable, suitable for those investors with low risk tolerance
The rapid development of Internet finance also provides us with more financial management options, some Internet platforms launched balance wealth management products, the yield is often higher than traditional bank deposits, providing investors with a new "wealth appreciation" idea, when choosing Internet financial products, but also to polish their eyes, choose a formal platform, to avoid falling into the trap of "high yield".
For those investors who pursue stable returns, treasury bonds are also a good choice, as an investment variety guaranteed by the state, the safety of treasury bonds is undoubted, and the yield is usually higher than the bank deposit interest rate in the same period, which is an ideal choice for risk avoidance and the pursuit of stable returns
Even if we choose to continue to deposit part of the funds in the bank, we can improve the yield by optimizing the deposit structure, depositing part of the funds in large certificates of deposit, or using the method of tiered deposits, which can increase the deposit income to a certain extent
In the ever-changing financial market, it is particularly important to improve our financial literacy, and we need to continue to learn financial knowledge and understand the characteristics and risks of different financial products in order to make informed decisions in the face of various investment options
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In addition to actively looking for new financial channels, we should also re-examine the family's financial situation as a whole, rationally plan spending, optimize debt structure, and establish an emergency fund to lay a solid foundation for future wealth management
In the face of this "deposit revolution", we don't need to be overly anxious, let alone panic, as long as we actively adjust our financial management concepts and continue to learn new financial knowledge, we can find a suitable way of wealth management, so that our wealth can continue to increase in stability
What do you think are the most noteworthy ways to manage your money in the current economic situation? Feel free to leave a message in the comment area and share your views and opinions
In this era of challenges and opportunities, wealth management is no longer the preserve of a few, but a subject that every family needs to think about and face seriously
Especially for those families with deposits of more than 50,000 yuan, it is more necessary to adjust their financial strategies in time to cope with the challenges brought about by the decline in interest rates
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Past experience tells us that it is difficult to maintain and increase the value of wealth by relying only on bank deposits
We need to actively explore new financial channels, such as investment funds, bonds, stocks, etc., and pay attention to risk control while pursuing higher returns
Investment and financial management is not something that can be achieved overnight, and we need to continue to learn and accumulate experience
When choosing investment products, you should make rational judgments based on your own risk tolerance and investment goals, and avoid blindly following the trend or pursuing short-term high returns
We should also pay attention to national policy guidance and keep abreast of the latest financial market developments in order to make more informed investment decisions
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In addition to investing in financial management, we can also increase our income by improving our own capabilities and value
Learning new skills, obtaining professional certificates, and developing side hustles are all effective ways to improve your competitiveness and increase your income
Wealth management is a long-term and continuous process, which requires patience and perseverance, continuous learning and adjustment, in order to ultimately achieve wealth preservation and appreciation
In this process, we should also maintain a rational consumption concept, avoid excessive consumption or impulsive consumption, and use limited funds for more valuable places
We should also pay attention to risk prevention, avoid falling into traps such as illegal fundraising and financial fraud, and protect our hard-earned money
In the face of the downward trend of bank deposit rates, we must see both challenges and opportunities
As long as we take active action and continue to learn and explore new ways of financial management, we will be able to find a suitable way for us to grow our wealth and continue to grow our wealth
What factors do you think will influence our wealth management strategy in the current economic climate? Feel free to leave a message in the comment area and share your views and opinions