Generally speaking, it is safe to deposit money in the bank, but it must be within 500 thousand. The state will insure you, and if anything happens, the state will compensate you. If you put money in the bank as a wealth management product, it is risky. In the worst case, you will lose the principal.
From the perspective of the platform, put the money in the bank, as long as it is a regular bank, such as CCB, Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank of China and so on. , are safe, there is no risk of being stolen by hackers.
Banking institutions actually have a very strict security system and a very high-end risk control system. Therefore, the safety factor of the funds we put into the bank is very high. First, there is no need to worry about the damage of various physical factors to cash, and second, there is no need to worry about possible risks such as theft.
In addition, banking institutions have been supervised and managed by the CBRC, and any business and services must be legal and compliant, which is a legal security guarantee. At the same time, the Deposit Insurance Ordinance is also a powerful guarantee charter. According to the regulations, depositors' deposits in the bank can be guaranteed if the funds are less than 500 thousand. Even if the bank goes bankrupt, the insurance company will make claims.
Many people object to putting all the funds in one bank, mainly because they think that if the funds are too concentrated, the risks will be highly concentrated. But in fact, although this concept of diversified investment is correct, it may not be established in banks, because banks have various types of wealth management, which can fully meet the needs of diversified investment.
Therefore, to sum up, it is safe for us to invest our money in bank financing. Even if you invest in the same bank, the protection will be the same, and there will be no big problems.
A bank's wealth management business is not just one kind, not just deposits, not just a kind of wealth management, but diverse, covering various risk levels.
The first is low-risk funds, such as money funds and bond funds. The expected rate of return is around 3%, and the investment scope is mainly in monetary instruments and high-credit bonds, and the income is relatively fixed. These two types of funds are also the funds with stable financial structure that most people will definitely choose.
Followed by low-risk funds, such as insurance funds sold by banks. The expected return of these funds is higher than that of low-risk funds, but there is usually a closed cycle, and the shortest is about 28 days. This short-term wealth management product is highly flexible and many people choose it.
There are also medium-risk funds, such as hybrid funds, which have a certain proportion of stock assets and can expect better dividends in the stock market, with an expected yield of 6%. Of course, they need to take certain risks, so enterprising investors will increase their proportion, while relatively conservative people will reduce it.
Generally speaking, even if all the money is invested in a bank for financial management, low-risk, medium-risk and even high-risk financial management can be completed, and assets can be rationally allocated. Therefore, it is ok to invest all your money in one bank.