At the end of the year, I found that the most discussed thing is whether you have made money this year? Today, I will talk to you about the two new phenomena about financial management that I have recently paid attention to.
First, the deposit interest rate has been falling, but residents' enthusiasm for deposits has been very high.
According to the Financial Associated Press, bank deposits have ushered in a total of "four rounds of interest rate cuts" this year, and the one-year deposit interest rate of some banks has even entered the beginning of "1". On the other hand, according to data released by the central bank, the total deposits in the mainland increased by 22.48 trillion yuan in the first three quarters, of which household deposits increased by 14.42 trillion yuan. Compared with the same period last year, household deposits increased by 1.2 trillion yuan. Although the current market is not good, the enthusiasm of savers to save has not decreased.
Second, security value-added is still the core demand, and banks have begun to promote insurance products.
According to the survey of "21st Century Business Herald", since 2023, the overall risk appetite of the public has decreased significantly in the investable property structure of residents, and it is more inclined to transfer funds into assets with a higher margin of safety. Under this general trend, many residents have also begun to try to find safer and more reliable alternatives to large-value certificates of deposit.
Many sharp-eyed netizens found that as soon as December began, many large state-owned banks around them had a "good start" in 2024, and the main product was insurance, including some savings insurance products that can directly lock in future income. This further shows that with the decline of deposit interest rates, people are becoming more and more receptive to insurance products with higher certainty of income.
Nowadays, there are many ways to purchase savings insurance, which can be purchased by banks, insurance companies and even Alipay. According to statistics, during July this year, the number of users who actively searched on Alipay's Ant Insurance platform to buy savings insurance increased by more than 10 times. One of the more popular products is the traditional type of "Anwenying", which can directly write the income of the next few decades into the contract in black and white to ensure 100% payment. According to the predetermined interest rate of 3% that can be locked in now, suppose a 30-year-old young man from a large factory can insure 500,000 yuan at one time, and then continue to increase in value by compound interest over time, and when he is 79 years old, he can get 2.04 million at one time, and the income is directly 1.5 million more. And this product also supports monthly insurance, very suitable for friends who want to save some money every month, the threshold is not high, 100 yuan per month can be invested, if you invest 3000 yuan per month from the age of 30, the principal is 360,000 after ten years, then you can take out 734,000 when you are 60 years old, which is equivalent to doubling directly. This kind of safe value-added method that can be seen to directly benefit and can be redeemed 100% has also become the core reason for the continued popularity of products such as Anwenying.
In the current environment, risk aversion and stability are still the main tone of financial management. You can choose a portfolio that suits you on the safe side and avoid putting all your eggs in one basket. If you are interested in long-term value-added insurance products such as increased life, and you are troublesome to run offline banks, you can go to Alipay to directly search for "increased life" to try, there are many good insurance products on it, you can see if there is a suitable one for you.