The Chinese love to save money and are famous all over the world. Young people have a heavy financial burden. If they repay their car loans and mortgages every month and buy some things for their families, they will have no money to save. On the other hand, we elderly people have no money every month, and even if they don’t do any work, they can receive a certain amount of pension regularly. In addition, the savings I have accumulated over the past few decades and the current savings I have been saving in tens of thousands of yuan.
Many older people have always been conservative and will not use this part of the funds to invest. We often choose to deposit them in the bank and earn interest regularly. If you are doing this, or have such plans, you must remember the following "3 don'ts", otherwise the security of personal funds will not be guaranteed, and it may not be worth the loss. Let's take a look:
First, don't disclose your password to outsiders
Nowadays, all walks of life are becoming more and more intelligent. When handling business in banks, many elderly people rely on bank staff because they don't understand this series of operating procedures. There is nothing wrong with this itself. After all, they have been professionally trained. We only need to dictate something and the business can be handled properly. However, some elderly people with weak awareness of prevention and insensitive ears will directly tell the staff their bank card password during this process, regardless of whether there is anyone next to them. Once this privacy information is heard by those with ulterior motives, the funds we deposited are very likely to be stolen. Everyone knows the fraudster's method of committing crimes, but in real life, there are many examples of funds in the account disappearing because of their negligence in leaking their passwords.
Second, don’t blindly deposit long-term
Generally speaking, whether it is a state-owned or small and medium-sized bank, the longer the deposit period, the higher the interest rate. After all, banks are profitable institutions, and when handling various loan businesses to make profits, they need sufficient cash flow . When some elderly people see that they have the opportunity to get higher returns, they can't walk happily, and they keep for three to five years without thinking. This approach is really too risky because we cannot guarantee that we will not encounter places that require a lot of money in these years. It’s okay to be able to take out the loss interest income, but it’s not in vain to put the overall situation first. If you can’t get it out, it will be quite troublesome.
It is not impossible to improve your emergency response while obtaining higher returns. We can adopt a "stage-type" saving method, that is, deposit 1/3 of all funds for one year, deposit 1/3 of them for two years, and deposit the remaining three years. The specific proportion can be adjusted according to the actual situation of the individual.
Third, don’t deposit more than 500,000 in a single bank
In recent years, the negative impact of the epidemic on the economy has not yet dissipated, and the burst of incidents in major financial institutions have also become more and more frequent. At this time, we must pay attention to whether the security of personal funds can be guaranteed. According to relevant legal provisions, it can be seen that under normal circumstances, if the deposit insurance label of financial institutions, as long as the depositor’s deposit + interest income in the bank does not exceed 500,000, the money can be returned to the personal account even if the bank goes bankrupt. Therefore, everyone must not "put their eggs in the same basket", it is best to diversify their savings, and at the same time, the total deposits in each bank should not exceed 500,000.
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