The old manager of the bank for 10 years revealed: This year and next year, time deposits, to adhere to the "5 do not deposit" In 2023, people no longer blindly pursue luxury and waste, but choose to be more rational

The old manager of the bank for 10 years revealed: This year and next year, if you have a time deposit, you must adhere to "5 no deposits"

In 2023, people are no longer blindly pursuing luxury and waste, but choosing a more rational and frugal lifestyle. In order to ensure the safety of principal and interest income, it is better to keep the money in time deposits of large commercial banks or state-owned banks, rather than five-year fixed deposits of small banks. In addition, in March and April, when fiscal revenue and expenditure peaks and bank funds are tight, it is best to avoid deposits, and instead choose more liquid demand deposits or bond wealth management products. When choosing bank wealth management, you should pay attention to principal risk and liquidity risk, and choose appropriate wealth management products according to your own needs.