Sisters~ Sister Guo'er is here again! Today, let's talk about some fresh and hot topics, that is, the recent uproar about the adjustment of deposit interest rates. Heck, that's no small thing!
Did you know? In the early hours of this morning, several of our major state-owned banks were really moving. The Industrial and Commercial Bank of China and the Agricultural Bank of China, the two big guys, lowered the deposit interest rate without saying a word. When Sister Guo'er heard the news, she chuckled in her heart, isn't this going to move our "money bags"?
But don't panic, sisters, let's find out what's going on here. This time, the main reduction is the interest rate on deposits with a maturity of one to five years. The one-year rate was cut by 10 basis points, and the two-, three- and five-year rates were even more severe, with a direct cut of 20 basis points. It doesn't sound like much, but for us ordinary people, it's a real impact!
Sister Guo'er pondered that this matter was not something that one or two banks had made up their own minds. You see, a few days ago, the Bank of Communications tested the water and cut interest rates in some places, and now the two giants of the Industrial and Commercial Bank of China and the Agricultural Bank of China have made a move, which means that a new round of deposit interest rate adjustment cycle may be coming.
To be honest, sisters, it's not easy for us to save some money, and seeing that the interest is less, my heart is a little uncomfortable. However, Sister Guo'er thinks that this matter can't just look at the surface. There must be a reason for our country to adjust interest rates.
Do you think, if the deposit interest rate is lowered, the cost of the bank will be lower? If the cost is low, will it be possible to provide cheaper loans to enterprises and our people? Besides, when interest rates are low, people may not be so motivated to keep their money in the bank, and they may be more willing to take out their money for consumption or investment. Wouldn't that make the economy as a whole come alive?
However, Sister Guo'er also knows that the sisters will definitely worry about whether their "small treasury" will shrink. Don't worry, let's move on and see what else we have to say about this. Let's talk again, sisters. As soon as the deposit interest rate drops, it really affects the whole body!
And guess what? Sister Guo'er glanced at her phone just now, and the Internet was lively. Some people say it's a good thing, but some people have a sad face.
A netizen said: "It's good now, my pension money is shrinking!" "Oh, when I said this, Sister Guo'er was anxious for him.
However, there are also people who understand. A big V analysis said: "Interest rates have fallen, which may stimulate consumption and investment. That sounds reasonable!
But then again, what should we ordinary people do? Sister Guo'er gave her sisters a trick.
First, don't panic! It's useless to panic, we have to analyze calmly.
Second, diversify your investments. Put your eggs in different baskets, do you understand?
Third, pay attention to wealth management products. Banks may come up with something new, so we need to keep our eyes peeled.
Speaking of this, Sister Guo'er remembered a joke. There was a person who saved money and had to save whole numbers, and the teller asked why, and he said, "I'm afraid the interest is not clear." "Haha, now it seems that this guy is really overly worried!
But seriously, sisters, we've got to learn to be smart. For example, the difference between the interest rates of time deposits and demand deposits is not small.
Also, don't forget to look at the national debt. Although the benefits may not be as high as before, the victory is safe and stable.
By the way, Sister Guo'er also heard that some banks have launched some special deposit products. What "large certificates of deposit" and "structured deposits" sound quite lofty.
But sisters, remember not to be fooled by fancy names. We need to see the doorway inside.
Speaking of which, Sister Guo'er remembered that when she was a child, her grandmother always hid money under her pillow. It's funny and sad to think about it now.
Times have changed, and our financial management methods must also keep pace with the times! But no matter how it changes, the principle of doing what you can will never change.
By the way, sisters, have you ever heard of the saying "money makes money"? Sister Guo'er thinks that this interest rate adjustment may be an opportunity.
Let's think about how to make the money in hand "work" more efficiently. For example, is it possible to consider equity funds?
Of course, investment is risky, so we have to be cautious. If you don't understand something, ask more people who know how to do it, and don't stick into it as soon as it's hot. Oh, sisters, let's chat, Sister Guo'er suddenly thought of an important question.
This interest rate adjustment is not just a matter of our deposits!
You think, when we buy a house, don't we also have to take out a loan? As soon as this interest rate changes, won't the mortgage interest also change?
Sister Guo'er has a best friend who just bought a house two days ago, and she is very happy. said that the interest rate has dropped, and she can pay hundreds less every month!
But then again, buying a house isn't just about interest rates. Location, house type, school district, which is not important?
By the way, when it comes to the house, Sister Guo'er reminds me of an old saying: "Those who have constant production have perseverance". This is still very reasonable today.
But sisters, don't be fooled by this. Houses are meant to be lived in, not fried.
Let's be rational and do what we can. Don't push yourself out of breath just to buy a house.
Speaking of this, Sister Guo'er remembered a news she saw a few days ago. It is said that there is a young man who eats instant noodles every day in order to save money on buying a house.
Oops, this makes Sister Guo'er feel distressed. What are we making money for? Isn't it just to live a good life?
Money can't be earned, but there is only one life! Sisters, don't learn from that young man.
Speaking of money, Sister Guo'er remembered another interesting story. I have a friend who likes to save money so much that he even has to bargain for groceries.
Once, in order to save a dollar, he quarreled with people in the vegetable market for a long time. On the way home, I accidentally lost my wallet.
And guess what? There are thousands in your wallet! This is good, in order to save a dollar, I lost thousands of dollars.
This tells us that saving money is a good thing, but there must also be a degree. Don't lose your righteousness for the sake of small profits.
Sisters, we have to learn to be budget-conscious, but we must also learn to enjoy life.
Money, sometimes saving and saving, may save the days.
Sister Guo'er thinks that instead of worrying about money all day long, it is better to think about how to improve her skills.
You say don't you? The ability is on the body, and he is not afraid of going anywhere. It's much better than staring at deposit rates all day.
By the way, speaking of skills, Sister Guo'er has been learning to make desserts recently. I'm going to break the oven, but I'm having fun!
Sisters, do you have any hobbies? You might as well find something to do, and maybe you can start a side hustle!