The Year of the Dragon is approaching, and the flavor of the year is getting stronger, but investors are not happy.
The property market has fallen to the price of 2018, A-shares have fallen sharply, the index has once again refreshed the low level of this round of decline, and the majority of assets are half-dead, and even the last bastion of ordinary people's investment and financial management - bank deposits have become chicken ribs because of the wave of interest rate cuts.
What to do, how should ordinary people defend their wealth?
First of all, Brother Bang believes that in the stage of economic bottoming, ordinary people still need to avoid all risky assets and follow cash as king. Although the return on bank deposits is low, it is better than blindly investing and investing blindly, and depositing in the bank can at least protect the principal.
Second, although the domestic deposit interest rate is "outrageous", but the overseas deposit interest rate is high, such as Hong Kong, when our deposits are generally only 2 points, Hong Kong's short-term interest rate was once as high as 9 points, and the average deposit interest rate is also 5 points. In contrast, Hong Kong's deposit interest rates are so attractive that they have directly attracted a large number of mainlanders to flock to Hong Kong and queue up to save money.
Of course, everyone wants to grab good things, but the traditional Hong Kong account opening method, the threshold is really too high. Not to mention the high handling fee, just going to the designated bank to open an account and queuing up at the site is enough to scare off 90% of mainland residents, not to mention that the time cost of a large number of supporting materials is really too high.
However, recently, Brother Bang discovered a treasure method to open an account in Hong Kong, that is, ZA Bank online account opening.
As the first virtual bank in Hong Kong, ZA Bank's operation model is very similar to that of Tencent WeBank, Alibaba MYbank, and Xinwang Bank, which not only holds a formal banking license, but also is a member of the Hong Kong Deposit Protection Scheme.
The reason why Brother Bang recommended Zhong'an Bank to open an account is because Brother Bang personally tested the entire account opening process, and it is too friendly for mainlanders to open an account in Hong Kong. The documents required to open an account are very simple, just three things: ID card, Hong Kong and Macau travel permit, plus a mainland bank savings card, except for the necessary documents, the rest can be done on a mobile phone that can receive local text messages and phone calls in Hong Kong.
The account opening process is very simple, after downloading and installing the APP, follow the prompts to complete the verification and enter the basic information, and the relevant process can be completed in less than 2 minutes.
To emphasize, the app needs to confirm your location before verification, and you just need to make sure that you are in Hong Kong to be eligible.
ZhongAn's customer service is really in place, if there is no trigger risk mechanism, ZhongAn Bank has also opened a fast review channel to improve the user experience, and the system will directly pass the review after identifying that the account holder has no special circumstances.
To be honest, this time I opened an account in Zhongan Bank, it was so fast that I was surprised, not only the threshold for opening an account is low, there is no handling fee, no deposit requirements, no appointment, no queue, the whole process took less than 2 minutes, and all the account opening procedures were easily completed with a mobile phone.
The most surprising thing for Brother Bang is that he will get a coupon with a deposit interest rate of up to 10% on the day of successful account opening, which is exactly what people are anxious about.
Brother Bang also said just now that the start of 2024 is very unfriendly to all major types of assets. Ordinary people don't have enough knowledge, experience and ability, and it's really difficult to turn the tide in the stock market and property market. The only thing that can be done is to reasonably allocate more funds in low-risk investment varieties, and what ordinary people can access is high-yield deposits.
After opening an account successfully, Brother Bang found the New Year's Eve event they were launching on the APP of Zhongan Bank, which can be used to buy interest rate hike coupons online, with an interest rate of up to 23.9%, plus the basic interest rate, the annualized return can reach up to 24%. At the same time, users have the opportunity to receive 2 HKD hike coupons and 2 USD hike coupons every Tuesday, which means that no matter whether the deposit is HKD or USD, there is no need to worry about not having the opportunity to enjoy high-interest benefits.
We no longer need "special forces" inter-provincial deposits!
At the same time, Brother Bang took the opportunity to also experience the manual customer service, which is really intimate, the customer service is particularly in place, and you can consult customer service if you encounter any problems when you open an account, and there are 24-hour manual customer service online. The first thing to do is the user self-service query function. The problems covered are very wide, basically covering 90% of the popular questions, search for question keywords can jump out of the corresponding answers, if you don't understand the click manual customer service, reply manually, customer service response speed is also very fast.
You must know that Zhong'an is the only bank that provides 7*24 hours of service, and it is really attentive to providing services to users at any time.
On the whole, the online functions of the ZA Bank APP are very comprehensive, not only can you handle deposit business, buy insurance, renew premiums, but also buy funds, and it is said that you can also trade Hong Kong and US stocks in the future. If you really need to open an account in Hong Kong stocks, you can consider opening an account at Zhongan Bank and enjoy it early