As the main force in China's income group, the purchasing power and consumption power of the middle class have always been the vane of the domestic market environment.
In the past two years, some changes in the economic market have forced middle-class families to reconsider the financial management and distribution of family assets.
After decades of rapid economic development, China has become a huge luxury consumer market, in which middle-class families and middle-class people are the main consumers.
Since last year, the society has become popular with the "money-saving style", people no longer compare the price of bags, and "milk tea bags are good" has become a mantra.
People no longer compare with brand-name products, and cheap, comfortable and cost-effective have become the mainstream.
More and more households are choosing to "hold" their wealth in their hands, keep it in the bank, and reduce consumption in order to be safe.
This seemingly safe behavior is actually not safe, because starting next year, families with personal savings of more than 300,000 yuan will have to face the "three major troubles".
The first trouble is the decline in purchasing power brought about by inflation.
The rapid economic development has also brought with it obvious inflation. As a large saver country, Chinese citizens like to keep their family's money income in the bank.
Especially after the three-year major changes in the "mask" stage, people have a stronger awareness of the prevention of economic funds, and "saving more money and spending less" has become the first choice for many families.
However, the current reality is that in order to stimulate consumption more, stimulate the development of all walks of life, and promote the continuous improvement of the economy, banks are gradually lowering deposit interest rates.
In this way, we want to turn more savings funds into working capital, alleviate the weak development of the economy, and form a virtuous cycle of social and economic development.
Households with personal savings of more than 300,000 seem to have the ability to resist the crisis and risk of household funds, but the currency depreciation caused by inflation has become a hidden danger beyond the control of individuals and families.
The recent surge in gold prices has also made many households worry about the risk of declining purchasing power of money.
Prices are rising, and interest rates on deposits are falling.
When the purchasing power of money declines, the current savings in hand will be "discounted", and it is necessary to think about the family financial management model of "making money make money".
The second trouble is the "shrinking wealth" faced by tax adjustment.
The second trouble faced by households with savings of more than 300,000 yuan is the adjustment of tax policy, which is an important means of regulating income and narrowing the gap between the rich and the poor.
With the continuous expansion of the domestic economic "cake", high-income people are generally in a situation where wages are higher and there are more sources of other income.
A higher salary means a higher proportion of personal income tax contributions, and a larger source of income means more labor tax and other income taxes.
The trend of tax policy reform also tends to be that the tax rate collection point for high-income families will still be raised, under the condition that the salary and income are fixed.
If the tax rate is raised, the property of high-income families will face a "shrinkage" situation, and the actual income will be reduced.
Problem 3: Reconsideration of the management and distribution of household funds.
In the current economic climate, it is no longer realistic to reap the benefits of household savings.
The reduction of bank interest rates, the inflation of prices, the employment environment and the economic situation have all made it difficult for families with 300,000 deposits to "lie flat" calmly.
Thinking about the appreciation of family assets and the rational distribution of family wealth has become an issue that requires careful consideration and careful decision-making.
As the saying goes, "you can't put all your eggs in one basket", and the distribution of family assets should also be divided in consideration of the prudent situation.
"Making money becoming" requires a certain amount of discernment to discern the credibility and reliability of the project, as well as to compare and consider the rate of return.
In the current economic environment, stock speculation is risky and the stock market is green; investment in entrepreneurship is high, and if you are not careful, you will go bankrupt; housing prices are "broken bones," and financial attributes are decreasing day by day; and there are all kinds of wealth management products, and it is difficult to guarantee the rate of return.
For households with higher savings, rethinking the management and distribution of household funds has become a major challenge.
epilogue
These "three major troubles" have become a thinking problem that families with more than 300,000 deposits must face, and if they want to make a breakthrough and solve it, they need a certain amount of wisdom and ability.
At the same time, it also tests their outlook on money and consumption, and whether they can adjust their mentality to face unknown risks and changes requires planning ahead and planning in advance.
It is difficult to grasp the future, and changes in the economic environment and financial markets are also very controllable.
In the face of an unpredictable future, whether it is about money or life, it is necessary to have an inclusive and open mind, through the rational allocation of assets, pay attention to market dynamics, and keep the loss of family assets as low as possible.
Optimistic and positive view of life, after all, money is something outside the body, and spiritual wealth is the greatest wealth in life.
References:
1. Sina Finance 2019-12-31
2. China Consumer Network 2023-06-21
3. China.com 2016-09-24