It has been 202 1 year. Why do people still deposit "time deposits"? . The problem is good, but it is also helpless. In today's society and commodity economy, money is not everything, and it is absolutely impossible without money. Especially for the elderly, in addition to eating, they take medicine, which is unpalatable and expensive, and meals are simple and cheap. But they can't live without one thing, RMB. It can be said that one day can't go on without money.
We should live within our means and consider emergencies, so we should tighten our belts and have some reserves just in case. It should be said that it is inappropriate to devalue money at home and lose money at the bank, regardless of current demand. What if we don't save it? Moonlight clan is not suitable for the elderly. Don't say 202 1 year, even in the future, you have to save one or two and have money. After all, you feel at ease.
Of course, people are not confused when they are old. Who doesn't know that the price has gone up now? 100 yuan for one year, with interest, the purchasing power will be greatly reduced, and a considerable 90% will be good. Can't you say it's cheap or at a loss? . The less money you have, the more painful you will be. Will this happen again? I really don't know what this law is called, and no one forced it. Are voluntary.
As a way of bank deposit, time deposit is well known and is a very important financial management method.
However, with the development of the times, there are more and more financial management methods and the rate of return is getting higher and higher. Many young people are reluctant to deposit their savings in the bank in the form of time deposits. Even they don't understand why some people are willing to choose time deposits.
You can look at the customer deposits of 20 18 of China Agricultural Bank. Most corporate deposits are demand deposits, and time deposits account for less than 1/3. But more than two-thirds of personal deposits are time deposits (up to 4.6 trillion yuan. )
The primary reason for this situation is that many investors are not familiar with other financial management methods and are unwilling to trust other financial management methods. In fact, there are large deposits in our country, mainly middle-aged and elderly people over 40 and 50 years old. Most of them haven't seen all kinds of financial management methods and don't trust other financial institutions except banks. In addition to bank deposits, many elderly people buy some low-risk bank wealth management products at most, and will never touch the wealth management products of various payment platforms.
Second, in fact, the interest rate of time deposits is not low. Most time deposits are mainly deposits of more than three years. At present, the national benchmark interest rate for three-year lump-sum deposits is 2.75%. However, when banks attract deposits, they often offer more favorable interest rates, which are generally 20% to 30% higher than the benchmark interest rate. If it is increased by 30%, the corresponding interest rate will reach 3.575%. In addition, the interest rate of bank deposit certificates can reach 3.85%~4.2625%.
In order to attract more deposits, some small and medium-sized banks offer higher preferential interest rates, and preferential interest rates above 4% are more common. In some banks, deposits of more than five years can even reach an interest rate of more than 5%.
This rate of return is actually not lower than various wealth management products. Quite a few, the yield of one-year bank wealth management products is now less than 4%.
Third, bank deposits are safe and secure. Bank deposits are fully guaranteed capital and interest, and can be protected by deposit insurance regulations at any time. The principal and interest within 500,000 yuan can be fully guaranteed.
In fact, it is more than 500 thousand deposits, and the payment of bank deposits is linked to the fate of banks. If there are six state-owned banks, there is basically no possibility of bank failure.
But what about wealth management products? The requirements of the new national asset management regulations are "the seller is responsible and the buyer is responsible", and the rigid redemption is resolutely broken. Investors must learn to be responsible for their own investments. In recent years, many wealth management products have suffered losses.
Fourth, good service and liquidity. As long as we use the bank deposit, we can withdraw it at any time, just losing a little income. Moreover, there are many bank outlets and the service is very convenient. However, the wealth management products we buy, especially regular wealth management products, are not convenient to pay. Money funds like Yu 'ebao can receive cash withdrawals within two hours; If the amount exceeds 1000 yuan, it even needs to be received the next day.
In fact, do you know what bank wealth management products have done? Some wealth management products actually put money back into the bank in the form of agreement deposit or time deposit, but the scale is large and the time is limited, so the available interest rate is high.
Therefore, at any time, the bank's time deposit is always an important financial management method, and the bank's time deposit cannot be cancelled because of the development of the times.
There are many types of bank time deposits. The interest rates of several big banks are around 3.8, and those of small banks are over 4: 00, which is similar to financial management.
There are also advance orders for financial management. A few days before and after the arrival of the account, there is no high deposit interest. Financial risk is high, and capital risk is even greater.
Zhi Bo replied: Financial management is a university question, which is difficult for us ordinary people to understand for a while. At present, there are only a few kinds of mature financial management. First, bank deposits are stable and the risk is small. The second is the national debt, which has higher interest than deposits and a longer period. The third is to buy a fund, which can't guarantee the income and may also lose money. The reason is also very simple. You didn't buy it right. The fourth is to invest in stocks, which is risky and there is no good way to stabilize profits. The fifth is to do futures, which is probably beyond the reach of ordinary people. If you want to do it, you have the courage to lose all your shorts. Others, such as equity investment, are even more difficult for ordinary people to do. Even if you want to do it, you should know who to look for! Turn around, or bank deposit! Why? Because familiarity is simple and it doesn't take too much thought, in the eyes of ordinary people, it is still a steady profit. In fact, to tell the truth, put it in the bank to earn some interest, which means you can guarantee that your money will not be too little or too much! In a word, financial management is a meticulous job, and financial management is also a job that requires a bright mind. If you don't study, it's a bank deposit, and you may not understand it in the future. Why? Because, the banks have closed down, if the interest rate is negative, what should you do to save money for the bank? This is to remind everyone, don't always feel that everything is so simple, and don't forget that learning is the first thing at any time. Living by experience will become more and more unreliable in the future. Never too old to learn is the first priority in life!
Don't panic with food in your hand! At present, only the smartest people save "time deposits" because it is a question of how much money to deposit in the bank; And the money is used for investment and financial management, but there is no problem! Having money without time deposit is like walking downtown with bundles of cash in your hand. People are staring at your money and hitting on you everywhere!
1, these days, all entrepreneurs who invest in it are basically wiped out or even heavily in debt; And there are retired people who go to work, get a few dead wages a month, and deposit money in the bank. Those who don't listen to other people's investment and financial management to buy stock funds can basically survive, and they can save some money to support themselves and help their children and friends after one year. It can be said that in this impetuous society, it is the wisest choice to have money to deposit time deposits!
I once said that I am brave enough to die and timid enough to starve to death. But today, you see, those who starve to death are bold, and those who can survive are timid! Some people who want to make a lot of money finally make money. Despite the superficial scenery, most of them rely on loans to support their faces. Factory debt, household debt, personal debt consumption. In the past ten years, they have done nothing else and have not saved any money. Where did the money go? The brave man's money has been harvested by various financial instruments, including real estate, and only the timid can save a few copper coins!
3. This decade, is a decade of opportunistic capital, crazy plunder, crazy wealth. When others are crazy, you should be more careful! Don't believe how much 100 yuan was worth ten years ago. 100 yuan How much is it worth today? Putting money in the bank is devalued nonsense. It's all lies to you! You spent money, it belongs to someone else. If you don't spend it, it's your own. Although the interest on time deposits is less, it will depreciate, but at least it is your own. If you are not greedy, others can't open your wallet!
Time deposit is the safest way to manage money at any time! Murder for money is a lie, and in the end, 99% of people are wiped out! Investment is risky, making money can't be speculative, and life can't be repeated!
You can't just put money in one basket. All my money, financial management, funds, insurance. No matter how high the financial yield is, you can't put everything at home. The allocation of assets should not only consider the rate of return, but also consider the risk.
People who save time must have reasons to save time. Some families have a small amount of savings, just to prevent accidents and can't take them out. This money can't afford investment and financial risks such as stock funds.
Under normal circumstances, short-term unused money is regularly saved to ensure a certain income. Then leave some wealth management products bought as capital preservation, and the daily income will expire in a few months. Although the interest rate is low, it can also avoid losing interest by using money temporarily. Middle-income wealth management products have the ability to buy a little, and stocks and high-yield products will never touch. I said that without this ability and foresight, without this wealth, I can't bear the risk of loss.
It is normal. People who don't know other financial methods are not good financial methods on a regular basis. Although the interest may be less, it is very safe.
This question and answer is really puzzling. Do you mean that ordinary people have low income now, but they still have to pay rent, utilities, children's tuition, and buy salt, oil and rice every month, and there is no money left in the bank? You should still take the money to the Macau casino to gamble. When you are lucky, you can win 65438+ 10 million at a time. But remember, losing nine times out of ten is the iron law. If you are lucky all your life, you should be rich, which can only be found in your dreams. As a 70-year-old man, although I don't have much money, I have deposited a large sum of money in the bank for three years. If you have 5 million in the bank for three years, you will earn an extra interest of 16000 yuan every month, which is enough for you to eat a sumptuous seafood dinner every day. Please save your snacks.