We ordinary people usually like to save money, think that the existence of safe and reliable in the bank, indeed it is also like this, especially the fixed deposit, deeply loved by everyone, especially the elderly, then everyone in the bank to deposit regularly, we must pay attention to some things, you have to pay attention to safety. I found that many people, especially the elderly, they are easy to have some misunderstandings when storing regular periods, or they will step on some pits without knowing it, so today I will summarize the 5 taboos when making fixed deposits, so it is best not to step on these pits.
The first thing is to be optimistic about the fixed deposit you have deposited, whether it is a deposit or insurance, or whether it has become another wealth management product. We all know that banks not only handle money deposit business, but also wealth management business and insurance business, which are completely different financial management methods. In particular, there are some so-called staff of banks, who will recommend you to buy some wealth management products or some insurance products, for the simple reason that the commission of wealth management products and insurance products is higher than that of your deposit period, that is to say, they can make more money.
So especially some elderly people, he went to the bank and said that I want to save for 3 years and 5 years or more, at this time, some salesmen who may not be very compliant will ambiguously tell you what financial products to save, or make some less standardized commitments to you, so that the old man mistakenly thinks that the financial deposits he bought are principal and interest-protected, and can be taken out when the time comes. In fact, it is not, we know that depositing it is definitely principal and interest-protected, but wealth management products are not. Since the rigid payment was broken, the new asset management regulations have completely passed the transition period and have been officially implemented since January 1 this year.
That is to say, wealth management products have profits and losses, and negative returns are possible. Then we say the bank's insurance products, sometimes you save for 10 years and 20 years is not out, although it may be a long-term return, but some elderly people may have to use money urgently, you can only surrender, and surrender is a loss, so this first pit, we must remember not to step, must ask clearly hello, I want is a fixed deposit, even if the interest rate is lower, I am willing to protect the capital in order to protect the security.
Then the second pit is not to blindly store some particularly long-term products. You will find that a time deposit product has a feature, that is, the longer it is deposited, the higher the interest rate, but it does not mean that the longer the term, the more suitable it is for us. Because the central bank canceled the file interest calculation, any time deposit, if you withdraw it in advance, it is calculated according to the demand income, he gave you those regular high income before it can not be used, that is to say, if you want to do a long-term regular product, you must think clearly, you do not save too much, because once you want to use the money at home, you have to withdraw the money in advance, for example, you save for 5 years, and as a result, the next year when your family wants to buy a house, you have to take money to pay a down payment, then at this time you take the money out The interest you enjoy is particularly low, and there is a loss.
So I suggest that when you save this kind of ultra-long regular product, you must think clearly, you don't save too much, save too much when you are in a hurry to use the money you can't get out, you must not be because of his long time and high income, put all the money into it, then you want to take it out then you have to suffer losses. In this case, I will give you a good suggestion, that is, when you want to deposit a large amount of long-term deposits, you can choose a large amount of certificates of deposit. We look at the 3-year to 5-year large certificate of deposit, its interest rate is also very high, the most important thing is that it can be transferred in the middle, and when you transfer, you still enjoy the original high interest rate of three percent, not to say that you are calculated according to the current period, for example, you originally bought a 5-year large certificate of deposit, and as a result, in the third year, you have to use the money urgently, then you can completely hang up the large-value certificate of deposit at that time, and then you can discuss with the person who handed over your interest rate How to distribute it. And you don't have to transfer it from a large certificate of deposit, I often flip through the bank's mobile phone software when I am fine, basically it is difficult to think as long as it is hung up and then bought. However, if you want to buy a large certificate of deposit, it must have a bottom line, that is, you can afford to save 200,000.
Next, I will tell you about the third taboo, that is, do not set it to automatic dump. Since the liberalization of interest rates, various banks have raised their fixed deposit interest rates in order to attract customer deposits, which means that some banks have implemented fixed interest rates that are higher than the benchmark interest rates published by the central bank. For example, in the case of a three-year large certificate of deposit, the interest rate currently executed is generally 3.35% to 3.55%, while the central bank announces a rate of only 2.75% of the same maturity. If we choose to automatically roll over when we are in the deposit period, then the interest rate executed in the next deposit cycle will automatically change to the central bank's benchmark interest rate, and you will not suffer? And if at this time you find that other banks have higher interest rates, you automatically transfer deposits, you can't take out the deposit to other banks, so everyone must have a long mental head.
The fourth taboo is that it is best not to deposit more than 500,000 yuan in the same bank, especially some small banks, careful friends may find a problem, that is, now the bank will set you a 500,000 principal protection, this article is mainly based on our country's deposit insurance system, according to our deposit insurance regulations, if a bank goes bankrupt, then depositors can enjoy no more than 500,000 yuan of deposit principal and interest protection. Although the probability of bankruptcy of our domestic large banks is almost zero, but taking a step back, if this kind of thing really happens, then our country's deposit insurance system can come in handy, and it can give you up to 500,000 yuan of principal and interest protection.
Then when you deposit, especially there are some small banks, such as local small cooperatives, rural credit cooperatives and other banks, you better control within 500,000, not afraid of 10,000, afraid of the failure of one of the banks after bankruptcy, may bring you financial losses, but like similar to the previous Hainan Development Bank collapse is still very rare, and our domestic large banks such as the establishment of diplomatic relations between the peasants and workers, these strengths are also very strong, almost too big to fail.
Next, talk about the fifth, is not to have the password verification code about your bank card to other people, or be seen by other people, especially for some elderly friends, he sometimes can't react to the brain, one is easy to like to forget the password, the second is to like to write the password on your passbook or bank card. The third is often mistaken to tell others about the bank verification code received by their mobile phones, in fact, such behavior is very dangerous, then if you lose your card, it is easy to be stolen, there are many people engaged in telecommunications fraud, once the rhetoric to you a few words, or simple routines you tempt you, there may be some old people in order to take advantage of the small advantage, they will tell the scammers about their mobile banking verification codes, then your side of the scammers entered the verification code, all of a sudden your money to transfer, Therefore, in the verification code and password, the elderly must mention 100 attention.
Finally, I would like to say that as one of the most acceptable and popular and safest ways for the general public to manage their money, fixed deposits are really important when handling them.