The interest rates of banks have been further reduced. Do we still have to deposit? Recently, major banks have lowered the deposit benchmark interest rate for . This further reduction in bank interest rates is indeed an indisputable fact. So for many people who rely on deposits to manage their spare money, it will indeed have a certain impact. For example, if he had been in the past three years, such a large savings deposit could reach an interest rate of 3.5%. However, due to the decline in the overall deposit interest rate level, an interest rate level above 3.5 may no longer be found. So it will indeed have a certain impact on these people.
Of course, we have to say that in essence, the interest rate level of savings deposits is indeed relatively low. Even if it is further reduced, it is still at a relatively low level. In fact, there are a considerable number of people, including those who know a little about investment and financial management, whether it is the middle-aged and young people or the elderly, they may not choose to manage their finances through savings. Whether it is the savings interest rate or the loan interest rate, it is just an representative value of in the financial system. However, as ordinary people, we choose to manage financially in this way, in fact, this type of people actually account for not very much.
We are not saying that saving is not good, or how to save, it naturally has its advantages. On the one hand, savings are such a financial management method with ultra-low risks. Basically, it can completely ensure the absolute safety of our principal, and now there is a deposit and savings system. As long as you have a deposit of less than 500,000 yuan, you can all protect it through insurance. If the deposit is lost, you can make full compensation through the savings deposit. It can be imagined that this saving is very safe. For those who have no choice but to bear any risk pressure, it is very reasonable to choose this method.
Another thing to tell you is that the further reduction of the savings deposit interest rate marks a further decline in the interest rate level from now on. But if you have deposited a fixed period of more than three years, or even a fixed period of more than five years, then the previous interest rate level will not be affected in any way. It will give you the corresponding interest upon maturity based on the interest rate determined by your savings deposit at that time. Therefore, it will not have much impact on some old depositors, which is still worthy of gratitude.
But after our savings expire in the future, we need to choose to manage our finances in this way, so we really need to have a big question. Some people may turn to bank financial products, while others may continue to choose such savings products. In short, in the process of financial management, we should choose based on the risks we can bear and a financial management method that is suitable for us. Never blindly pursue high returns and high returns, otherwise the impact of principal losses will be very unpredictable. For myself, this is definitely not worth the loss.
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