When you have a certain amount of savings, you don't take it out and use it, but you still sleep in the bank. This is debatable.
First, the money placed in the bank cannot increase in value. On the surface, depositors can get an interest income by putting money in the bank, but if the asset losses caused by rising prices are deducted, the yield is almost zero. Ten thousand yuan was deposited in the bank at the beginning of the year and taken out at the end of the year. The actual value is still ten thousand yuan.
Second, reduce the quality of life and reduce the fun of life. Travel, shopping, friends gathering, hiring a nanny, buying a private car, etc. , all need a lot of money. If the goal is how much money you have in the bank, and you are happy to have a huge amount of money in the bank, then you will definitely scrimp and save, and your quality of life will be greatly reduced.
Third, it has a negative impact on family development. Some people like to take out the annual interest to supplement their families, while the principal is kept intact in the bank. In this way, the family's economic income depends on the bank to a certain extent, which reduces the spirit of struggle of family members and is not conducive to the development of the whole family.
Fourth, miss the opportunity to make a lot of money. No one can say how much money each person can earn in his life. Putting money in the bank and not daring to take it out for reasonable investment is not conducive to giving full play to your talent and ability to make big money. The monopoly of the rich in China and their huge wealth are all obtained through continuous investment. No one can become a super-rich just by saving money in the bank.
If you have extra money in your hand, except for the limitation of your own cultural knowledge, all of it will be deposited in the bank, and the bank will add a little interest to your fixed current account. The rest have a certain cultural knowledge and can skillfully use smart phones. They can master all kinds of APP financial management software, and it is also a good way to choose safe and reliable software and projects for financial management. If your economy is relatively good, those with abundant funds may also wish to buy government bond funds and stock futures for investment. In short, with money, you don't have to keep it completely in the bank, so your assets will shrink.
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Money deposit bank is also a kind of financial management, which belongs to the capital preservation type, but it is the one with the lowest income.
Through some calculations, we can find that the inflation rate in China is as high as 10% now, while the highest interest rate of deposit banks is about 5% three years later, the difference is not a little.
So, put the remaining money in the bank one by one, and when you take it out a few years later, you will find, "Why am I so poor?"
I can give you some financial advice:
1, if you are too lazy to manage, you will save all the balance treasure, with a daily income of 0.0 1%, which is more than 3% a year.
2. Buy some low-risk wealth management products, the income will be slightly higher than that of Yu 'ebao, but you must buy wealth management products from banks or big platforms to avoid being cheated.
It is said that those who owe money now are the richest. If you have more money, you can borrow money to buy a suite, and then sell it for a while to earn some money.
Money. . . . . . It is a mysterious thing. Money plays a very important role in people's lives. It is pulled by a strange force, like a net, and there are many forces around it to keep the balance of the net. . . This kind of power may be a way for people to get money. This way is to make money or manage money. This is my understanding of financial management. Therefore, it is a way to deposit money in the bank. You can't put all your money in the bank. What did the bank do with your money? They want to make a profit. They can't honestly give you interest. They want to earn more money from your money to maintain the interest they can pay you. So when you walk into the bank and see so many business managers helping you manage your money, you just hope that you can lengthen the period of saving money so that they can do what they should do better in the future. In other words, many people who are in urgent need of money desperately try to pay money from the bank through various relationships. Of course, they have to pay more than the interest on saving money to make a choice. So the money you put in the bank is used by the bank to make profits, so you can use several financial management methods, such as buying a house, investing in industry, starting your own business, taking out loans and starting your own business. . . . . Anyway, instead of putting all your money in the bank.
You can't make money by depositing in the bank, but it's safe. However, you have to learn financial knowledge and understand financial products. If you don't learn to manage money now, you won't be able to save money in the future. Depositors and banks also invest your money in this matter. Now that there are so many finances, choose a reliable one and vote slowly.
Realistically speaking, this way of managing money is right or wrong. Most people who can do this are people in the past few years. They have saved money all their lives, but they have put all their money in the bank. They never consider the harm of worthless money brought by devaluation and high prices. It is difficult for young people to agree with their financial management methods, but the consumption pattern of young people spending 20 cents and eating their own dishes is not worth promoting. Looking at the problem from another angle, putting extra money in the bank is more or less a contribution to the country's economic construction.
I think there is no absolute right or wrong to put all your money in the bank, only relative rationality and relative irrationality.
It is a very wise thing for the moonlight clan to save the remaining money in their hands at once.
Because cash in hand is easier to spend than money in passbook.
By saving spare money, you can control your desire for excessive consumption.
Nowadays, most young people have never experienced the scene of "a penny for a penny". Even if they do, it is not difficult to borrow an emergency loan of 8,800 yuan from friends around them.
And now there are countless loan apps, which are very easy to use. Most moonlight families choose to overdraw their income in advance in exchange for the pleasure of consumption now.
There are also many vampire companies in these loan companies, and all kinds of seemingly preferential interest rates are behind the trap of usury. (Here's a warm reminder: In order to protect your legitimate rights and interests, you should pay attention to: 1 when encountering loan problems, and be alert to the gimmicks of zero down payment and zero interest rate to avoid falling into the trap of high cost in the later period; 2. It is illegal to pay interest, insurance premium and deposit in advance from the principal; 3. If the annual interest rate of the loan exceeds 36%, it is not protected by law, and 24%-36% can be settled through consultation. )
Being good at robbing Peter to pay Paul has become a necessary skill for moonlight clan.
Overdraft consumption is a double-edged sword, which allows people to enjoy the pleasure of consumption in advance, and may also lead people to fall into endless debts.
(There are several supernatural places in this picture, please leave a message.)
The interest of small loans is harmless to young people nowadays, but when such harmless loans spread all over the body, they become riddled with diseases and need a lot of money to make up for this big hole. After all, the annualized interest of the loan APP is at least a dozen points.
In this way, saving money for emergencies is much wiser than borrowing money for emergencies, and Dont Ask For Help has more dignity.
Of course, not everyone has to do this.
Different amounts of funds invest in different risk projects in different proportions.
Generally, single young people are more suitable to spend most of their money on more radical investments. On the one hand, the principal is small, and even if there is a loss, the amount will not be too large. Even if the principal is completely lost, they have a chance to earn it back when they are still young. This kind of high-risk project is often accompanied by rewards and is also suitable for the radical style of young people.
If you have a family and all your money is in the bank, when your assets accumulate to a certain extent, you will find it difficult to continue to grow. For example, if the deposit reaches 5 million, 3% inflation will make families lose 6.5438+0.5 million purchasing power. After all, the loss of large funds in the face of inflation is still very serious.
Different families have different investment styles. More radical families are suitable for this way.
It is more reasonable to adopt S&P family asset allocation chart. (It is estimated that when Standard & Poor's compiled this map, it was definitely not expected that the housing prices in China would be so expensive, so our situation should be reasonably revised according to the situation of each family. If you don't like it, please spray it gently. )
I wanted to draw it myself, but I found it and borrowed it.
This picture looks simple, there is no mystery. But usually the effective method is to simplify the complex. Look carefully, I hope you can gain something.
Part I: Expenditure to be paid (10% of total assets)
The picture is from Neto. com
The first is the daily expense account, which generally accounts for 10% of family assets, and prepares for family expenses for 3-6 months. Usually in the bank or in the balance treasure.
According to the first quadrant, we can first see if our monthly expenses are overspent.
For example, a family now has 400,000 assets. 10% is 40,000, which means that 40,000 is the expenditure of our family for 3-6 months. Then it is reasonable to control the monthly family expenses at 6666~ 13333 yuan.
Part II: Life-saving money (accounting for 20% of total assets)
The picture is from Neto. com
This account is an emergency fund for accidents, ensuring that family members have enough money to save their lives in the event of accidents and major diseases.
As we all know, medical expenses are very high now. If the risk is not passed on, it is likely to "return to before liberation". So we need some commercial insurance companies to take risks for us, and this part of the money should be used as the "protection fee" of the insurance companies.
This part of the money usually seems to be just going out. When you really encounter an accident, you will be glad that you bought this "lightning rod".
Part III: Money for making money (accounting for 30% of total assets)
The picture is from Neto. com
This account is to increase the passive income of the family. On the basis of the first two steps, this part of the profit and loss will not cause a fatal blow to the family. Without pressure, I believe you can take care of your assets more calmly.
The biggest taboo of this account is greed. Many people make 30% money in the first year and invest 90% in the market in the second year, which often does not have ideal results.
Part IV: Capital preservation and appreciation (accounting for 40% of total assets)
This account is a long March, because this part of the money often has a long investment cycle and requires security and stability.
Because it needs a lot of money when it is used, it is not enough to rely solely on deposits. We should also choose some stable projects suitable for long-term investment and use the power of compound interest to meet future needs.
Investors with families like to win in stability and build their own pyramid from bottom to top with the ratio of "432 1".
For reference only, don't spray if you don't like it.
Middle-aged and elderly families are more suitable to put more money in a stable and reliable place. After all, the principal is too big to be used for old-age care and cannot bear risks. Moreover, age is not suitable for tossing investment. After all, not all old people can distinguish between fraud and opportunity.
Therefore, it is more reliable for the elderly to put them in the bank.
All the above is theoretical knowledge, for your reference only.
That's the general idea. I hope everyone will gain something.
If you like it, I will pay attention to it ()? Let's work together and make progress together? (ˊωˋ*)? *?
If we always put the rest of the money in the bank for financial management, such a financial management method is of course all wet.
Bank financing methods mainly include bank deposits and bank financing products. Needless to say, bank deposits are absolutely safe, with guaranteed capital and interest. According to the deposit insurance regulations, a person in a bank can be fully guaranteed if the principal and interest of all accounts are within 500,000 yuan. The corresponding interest rate of bank deposits is generally below 4%, and the interest rate of individual large deposit certificates can reach 4. 125%.
Bank wealth management products, according to the Interim Measures for the Administration of Personal Wealth Management of Commercial Banks, mainly refer to the activities of commercial banks to provide professional services such as investment analysis, financial planning, investment consultants and asset management for individual customers. General wealth management funds will be invested in money markets, margin financing and securities lending and other businesses that individuals cannot enter, and the corresponding security is still relatively high. Generally divided into bonds, trusts, hooks and QDII wealth management products. The yield of most bank wealth management products is generally below 4%~5%.
Relatively speaking, it's really not a good idea to deposit all our assets in the bank. First of all, let's find out what the primary purpose of financial management is.
There are generally three purposes of financial management. First, deal with accidents; Second, achieve rapid asset growth; Third, ensure safety and deal with old-age care.
For young people, although they are in the golden stage of life, it is indispensable to protect against accidents. Not to mention ordinary traffic accidents, but also consider the possibility of accidents caused by medical treatment and serious illness. It is impossible to wait until all accidents are rescued by the state or others. Therefore, it is generally recommended that you can effectively configure insurance. Social insurance is the foundation of all guarantees, and commercial insurance is a useful supplement to social insurance.
If young people want to achieve wealth freedom in the future, it is impossible to expect a little salary to be deposited in the bank. If you invest in 500 yuan every month from the age of 20 until the age of 25, assuming that the annual rate of return can be 10%, then by the age of 60, this asset can be increased to 1.62 million yuan. If you invest in 500 yuan every month from the age of 26 to 60, this asset is only 6,543,800 yuan+0,540 yuan. Therefore, the earlier you invest, the greater the chance of making a fortune in the future. Can the annual investment 10% be realized by bank deposit? Definitely not. Mainly rely on high-risk and high-yield investment and wealth management products such as stocks or stock funds. Young people can take greater risks, and long-term fixed investment can make steady gains, so we must establish a correct concept of financial management while young.
When you get older, you should gradually withdraw from high-risk investment and wealth management products and gradually turn to safe, stable and guaranteed wealth management methods such as bank deposits or wealth management products. Because the older you get, the less likely you are to get income through labor. When we lose our ability to work after retirement, the most important thing is to rely on the pension issued by the state and the wealth accumulated by individuals. If you are old and your personal wealth is losing, there is no other way to make up for it except lowering your living standard.
Therefore, different age groups will have different financial management methods and needs, so we must use any practical and scientific way to distribute our wealth. # Wealth Management Competition Season 3 #
You can't easily conclude that it is right or wrong, it depends on the specific situation.
First of all, if your current economic conditions are not very good, then I think it is not bad to deposit money in the bank. When economic conditions are bad, I often feel that money is never enough, and there is always an insatiable desire, so it is difficult to save money, even if I can save money, it is very few. There is no money to invest in other products at this time. The only thing we can do is to allocate reasonably and save some money. It is good to deposit money in the bank.
On the other hand, if you have a lot of income and good economic conditions, it would be a bit silly to deposit a lot of money in the bank. The money you have is far enough to invest in wealth management products with good returns. If you don't understand, study it yourself. The return on investment is much higher than simply putting money in the bank, so this financial management method is wrong at this time.
Judging whether a financial management method is correct depends on your own actual situation.
Is it right or wrong to deposit the rest of the money in the bank one by one?
Whether it is right or wrong should be analyzed in detail. If you are a retired person, you can deposit all the remaining money in the bank, because people of this age should keep the principal as a way of managing money. After all, although the interest rate of bank deposits is very low, there is almost no risk. So although I have been operating stocks and funds for so many years, my mother has always kept money in the bank. Although the fund's wealth management income is high, it is likely to lose its principal if it enters for a long period of time without necessary time. So the old people put their money in the bank. This kind of financial management is also very good.
However, if you are not an old man, it is not a question of right or wrong to deposit the remaining money in the bank. This is highly undesirable. For me, it is very wrong to put all my money in the bank, that is, to save my money. Money is the most testing thing. Many people betray their relatives and friends for money. Money is not everything, but you can't do anything without it.
Take me for example. If I had put all the money left over from my monthly salary in the bank more than ten years ago, I might not be able to afford a house in Wuhan now, let alone anything else. Of course, it is also extreme to invest all your money in fund stocks. Normal should be a reasonable allocation of funds, and banks should also save some money for emergencies. Don't bow your head when you need money. Usually you have to invest in it. Financial management means that you don't manage money and money ignores you. It is precisely because I have invested in a fixed investment fund for more than ten years that stock investment is the main financial management method and I bought a house. Now the principal of the fund account has been returned in advance, and the account is all profitable.