Generally, there are two deposit methods in banks: demand deposit and time deposit. Demand deposit means putting money in a bank card, using it whenever you want, saving it whenever you want, and leaving it alone. The term deposit, also known as the death period, means to deposit a certain amount of money for a fixed period of time, such as one year, three years, five years, etc. During this period, if there is no special demand, it is generally impossible to move this sum of money. Under normal circumstances, people who keep regular deposits are all practical and pursue stability.

Now that life is easy, everyone earns a lot of money. How to arrange them reasonably with money is the most important thing. Nowadays, there are various ways to manage money, and different people will choose different forms of financial management. Today, we will analyze what kind of people will choose what kind of financial management methods and their respective percentages, and who are the people who are dying, and how much share?

the first category: white-collar workers, gold collars and rich people who will choose financial products such as stocks, funds, insurance and futures.

Generally, this kind of people have considerable income, higher education and advanced financial management concepts. The way they handle their income or deposits is generally more inclined to do investment and wealth management, and they will choose some wealth management products such as stocks, funds and insurance. This kind of financial management is very popular with the rich because of its flexible funds, high income and easy operation. Those who are willing to spend their money on financial products account for about 2% of the population. After all, there are not many people who have money and financial awareness.

the second category: ordinary people who will use their money to buy fixed assets such as houses and shops.

In China, home is very important to everyone, and when a family has a certain amount of money, the first thing that comes to mind is buying a house. The house should be the fastest-growing, most stable and guaranteed way of all investment methods. If you just need it, take it for your own residence, and don't worry about whether the house price will rise or fall. If you buy more houses, the money will be arranged. Houses can be occupied, rented or sold. Unless there is a financial crisis and an economic collapse such as a real estate bubble, people who buy houses will only laugh and not cry. People who buy real estate as a way to save money or manage money are basically doing things in China, and this ratio is almost 1%. As long as they have money, they will definitely buy money. What I didn't buy was just because I didn't have enough money, not because I didn't want to buy it.

the third category: rural people, old people, honest people and ordinary people who only want to live a stable life who save a little and will not take it out easily.

no matter how stable it is to buy a house and how much money you make playing with financial products, in the eyes of many rural people or the elderly, only the bank is the most reliable, and only putting all your money in the bank is the safest. On the one hand, they feel that the money is safe in the bank, on the other hand, they feel that it is too bad to leave it in the bank. Since the interest on the deposit period in the bank is quite high, the money is left anyway, so it is better to save another death period, which is safe and profitable, killing two birds with one stone. There are also many people who think so. About 5% of them will have the behavior of saving their lives to a greater or lesser extent. Some will save all of them, and some will take out some of them for fixed storage. As a preparation to avoid risks and accidents.

so, how do you arrange your income? Is it part of investment, part of survival, and part of saving to buy a house?