Here, the postal savings agency issues a wealth management product. When it saves 30,000 yuan for 3 years, it will return 4,200 yuan, which is equal to 34,200 yuan. After one year, there will be interest and dividends, but these derived money cannot be withdrawn and can only be transferred to the account. After three years, you can withdraw the principal and dividend interest. I want to ask you, is this kind of financial management reliable? I went to ask the staff that it was national debt, which was used by the state to invest in projects such as engineering railways. Unlike funds, there is no risk. Excuse me, everyone is not reliable!

Friend, let me calculate an account for you like this. If you earn 5,000 yuan a month now, it will take you six months to accumulate 30,000 yuan, and the interest on your financial management in the bank is very high. But the national economy is constantly inflating. Because of inflation, prices are rising. Of course, your salary will lag behind under the control of the state.

Now that three years have passed, your salary is 6.5438+0 million yuan. It only takes you three months to accumulate 30 thousand yuan. But now your price level is not what it was three years ago. The house price was 5,000 three years ago, and now the house price is15,000. What can Yuan You do with the 30,000 he saved three years ago?

I think there is nothing wrong with my logic, because it has developed like this in previous years.

Many depositors regret it when they withdraw money. Deposits that looked like high interest rates in those years actually depreciated.

Insurance companies are not welfare institutions. Do you think such a large enterprise, so many employees, and the annual salary of the top management is tens of millions? That is to say, financial pyramid selling in disguise is just to provide more protection for transactions under the cover of the state.