#时事热点头条说#
I don't know if this type of article will be restricted, and when revealing scars, it often brings labor pain.
But I just want to share the most real situation with your family and remind everyone to prevent problems before they happen.
Although the economic data disclosed was not particularly bad, when the Bureau of Statistics was not going to release unemployment data, I knew it was time to wind up everyone.
As the vane of the market economy, banks can be described as the "prophet of the spring river water heating duck", the people's pockets are not bulging, whether the willingness to consume is strong, bank employees will have a deep experience.
Obviously, no one dares to invest now, whether it is the real economy or the capital market, principal safety is the first priority.
The way to identify the people is also very simple, that is, to see which bank has a high deposit interest rate, and at the same time does not put the eggs in the same basket, and the deposit of each bank is controlled within 500,000.
Such a general environment will not be significantly improved in a short period of time, and even there are multiple uncertainties at home and abroad, which may make the situation worse.
Therefore, I suggest that ordinary people are better off living the following days with a "financial crisis" mentality.
First, control consumption and increase savings.
I think everyone knows that the most important thing at present is to save money, which can be seen from the increase in residents' savings deposits, even if the deposit interest rate is low, the people must put their money in the bank.
Therefore, in the next days, we must first control consumption, in addition to necessary expenditures, other consumption as much as possible to save, although all levels are calling on everyone to consume more and promote economic growth, but this also has to be analyzed on a case-by-case basis.
If our monthly income is not fixed, and there are still a lot of debts behind us, then don't be brainwashed by consumerism, and ensure that you can survive in difficult times, the most important thing.
Controlling consumption is certainly painful, but savings will slowly increase, this is our strength, only if there is food in hand, will not panic.
Second, investment is stable and rationally allocated.
It is said that "prosperous times collect antiques, troubled times take gold", although now it cannot be said to be "troubled times", but the situation at home and abroad is indeed more complicated, and our investment must also be cautious.
It turns out that our financial management concept is aimed at maximizing returns, which bank wealth management products have higher returns, so we quickly transfer the money, and after experiencing the net value of wealth management products falling below, we found that the investment of capital preservation is the most fragrant.
I am most afraid that everyone has worked hard to save some money, which was originally used to resist risks, but because the product is not powerful, the principal is trapped or the loss is serious, but the cart is reversed.
Therefore, at this stage, it is still recommended that you mainly use time deposits, large deposit certificates, and structured deposits, these products are protected by deposit insurance, and there is no problem with principal and interest.
If you feel that the deposit income is still too low, or the product is not very flexible, you can also choose low-risk financial management and monetary funds, etc., the risk is relatively low, and the principal is safe and guaranteed.
Third, don't jump jobs and improve your capabilities.
Now at this node, all walks of life are more difficult, maybe some emerging industries are slightly better, and other industries are in a state of torment.
It is fortunate that our income can remain the same, many people are experiencing salary cuts, and the magnitude is not small, so there are more friends who want to change jobs recently.
Job-hopping is to give yourself and your family a better life, either by promotion or income growth, but whether the new owner is reliable or not, we must confirm well.
I personally think it's best not to jump jobs in recent years, after all, everyone's situation is similar, it's better to continue to exercise in the post, by the way plan the next career, unless there is really a very good opportunity, then you can try.
When we are prepared for these three aspects, we can deal with various crises that may occur in the future and ensure that our lives are not significantly affected.
(Thank you for your attention, I am a small big guy in the financial circle, looking forward to your consultation and message!) ）