At present, the enthusiasm of Chinese residents for deposits is high. According to data, in the first quarter of 2022, the amount of deposits in my country increased by 10.86 trillion yuan. Excluding corporate deposits, residents' deposits still increased by 7.82 trillion yuan. Based on my country's population of 1.4 billion, excluding 300 million minors, my country's per capita new savings in the first quarter was 7,100 yuan.
There are two main reasons for the rapid growth of domestic bank deposits: One is that due to the impact of the epidemic, many people are under lockdown or unemployed at home. If there is no savings at home, life will definitely be difficult. So, everyone started saving money. Another is that now that the stock market has fallen, real estate speculators have been trapped, funds have been lost, and even bank financial products are no longer safe, so people can only deposit their money in banks.
However, there is now a saying on the Internet that starting from 2022, people with large amounts of cash may not be able to sleep. There are three reasons for holding this view. First, I hold a lot of cash this year and really have nowhere to invest. When buying stocks, the market value continues to fall, when buying funds, the net value falls below, and even when buying bank financial products, you will suffer losses. In this case, holding a large amount of cash really has nowhere to invest, and of course it will keep you awake at night.
Second, people who hold a lot of cash this year are afraid to invest in starting a business. Nowadays, all walks of life are in recession, competition among peers is fierce, and the probability of losses in investment and entrepreneurship is very high. If not done well, you may become poor as a result. Therefore, people who hold cash do not dare to invest in any projects and can only act in a hurry.
Third, people holding large amounts of cash this year will face the risk of rising prices and devaluation of the currency in their hands. Seeing the rapid decline in the purchasing power of cash in hand, people holding large amounts of cash may have sleepless nights.
In fact, this view on the Internet simply cannot withstand scrutiny. On the contrary, people who have a lot of cash in their hands will not be unable to sleep because of this at all, but people who have no savings are having a very difficult time now. If they are locked down at home due to the epidemic, or they are unemployed and have difficulty finding a job, it will really be difficult to sleep through the night. Fell asleep. Let's analyze it:
First of all, for people with a lot of cash, inflation will not have a big impact on their quality of life. As long as you have money, you can buy daily necessities, but the real impact is not It is a family with no savings in hand. In addition, inflation is also cyclical. If you feel that inflation is too strong, you can reduce unnecessary expenses. It is perfectly fine to wait until the current round of inflation passes before spending money.
Furthermore, since you feel that investment and entrepreneurship are very risky, it is also a wise choice to deposit money in the bank. It is better than blind investment and entrepreneurship that cause assets to shrink significantly. Any investor who wants to succeed must learn to take a break, attack when there is an opportunity, and rest when there is no chance.
If you don’t even know how to take a break and worry about finding investment directions all day long, you must be an immature investor. In fact, choosing to deposit money in the bank now is a strategy to avoid risks and wait for new opportunities. When the domestic economy improves, inflation passes, and asset bubbles collapse, then you can use your money to buy at the bottom of , and you will be the big winner in life.
There are now opinions on the Internet that people with large amounts of cash will not be able to sleep. Their reason is that investment and entrepreneurship are risky now, and coupled with the inflation factor that devalues assets, it will always be difficult for people with cash today. Bar!
In our opinion, families with no real savings will have a very difficult time. In fact, since there are no investment and entrepreneurial opportunities now, you must learn to take a break, try to avoid losses, and wait until there are opportunities to invest and start a business. This will greatly increase the probability of success. Therefore, it is just a wild guess to think that people with large amounts of cash will have trouble sleeping.
