In the past, many people did not care about how much money they had saved, but more about how many properties, shops, stocks, funds, etc. they had in their name. However, since the onset of public health events and the regulation of the market, people who have held multiple properties in recent years have begun to consider how to reduce losses as soon as possible. At the same time, there are now terriers who are willing to deposit money in the bank, although the interest rate is not high, but it is to seek stability.
According to relevant data, in the first half of this year, mainland residents' deposits increased by 11.91 trillion yuan, an increase of 15% year-on-year. This is enough to prove the importance that the mainland attaches to deposits. However, in today's economic environment, bank deposit rates have been in a downward channel, and it is difficult to outperform inflation.
This means that if you keep your money only in the bank, you may depreciate and shrink. Therefore, some insiders remind everyone to prepare in advance that the "general trend has gone", especially for people with a large number of deposits, doing 4 things can effectively achieve wealth preservation and appreciation. So, what exactly do these 4 things refer to? Let's take a look together.
1. Be vigilant
Many people may think that keeping money in a bank is the safest and most reliable way. But in fact, the bank is not as absolutely safe as it thinks, especially not to trust the staff in the bank too much. You know, in real life, some bank staff take advantage of their positions to steal or misappropriate depositors' funds. Therefore, when you go to the bank to do business, you should not easily tell others your account password.
Second, don't blindly trust the safety of small and medium-sized banks. Under normal circumstances, state-owned banks are backed by national credit and have relatively strong scale strength, so the probability of bankruptcy and bankruptcy is very small. However, small and medium-sized banks are different, and are likely to fail due to poor management, capital breakage and other reasons. Therefore, when choosing a bank, pay attention to reviewing relevant qualifications and credibility to avoid unnecessary risks.
Second, improve judgment
When a person has a large amount of wealth, he cannot only enjoy the security and satisfaction brought by wealth, but also pay attention to low-key handling of his wealth. The main reason is that there are many ill-intentioned people in contemporary society. For example, some people will approach you by forging their identities, and then borrow money, invest, etc. to obtain your wealth, and may even use threats.
Therefore, for the safety of yourself and your family, avoid letting others know how much money you have, let alone disclose your savings information. In addition, it is necessary to improve judgment, do not easily trust others, invest in some high-risk projects, do not lend money to others at will, and sign contracts or agreements of unknown origin, so as to better ensure the safety of wealth.
3. Learn more about financial management
In today's era of financial management for all, saving money is a common way to manage money, but it is not the only option. Especially in today's economic environment, bank deposit rates have been constantly falling, even below the level of inflation. Therefore, in order to avoid the depreciation of deposits, it is necessary to learn more financial knowledge and find some more suitable ways to manage funds that are more suitable for yourself and bring more income.
4. Diversified investment
For those who hold deposits, when managing deposits, they cannot blindly rely only on the deposit business. Because in today's economic environment, bank deposits alone are not enough to meet wealth management and growth needs. Therefore, in addition to bank deposits, deposits can be managed through some other channels.
For example, use your leisure time to improve your professional knowledge and skills to expand your horizons and connections, thereby enhancing your personal value. Secondly, you can also follow the foreign trade economic platform built by the wind of policy, such as consignment sales, 100,000 yuan every 30 days can get 1,000 yuan, monthly profit is 1%. It is believed that with reasonable allocation, wealth can be better managed and effective growth can be achieved.
In short, in today's "general trend has passed" situation, people with savings should not be satisfied with the status quo, let alone be complacent, but should know how to plan wealth and the future reasonably, so as to create more wealth under the premise of ensuring the safety of funds.