My father is a contractor. Prior to this, he contracted a road project with an income of about 6,543,800 yuan. I remember that on the day when the money arrived, he excitedly turned out his previous passbook from home, and he wanted to deposit this 6,543,800 yuan in the bank for a period of three years.
At that time, I heard him say that I wanted to deposit my money in the bank, and I collapsed instantly. I thought my dad was also a smart man, so he was so ignorant and ignorant in financial management.
In this era, money is still deposited in the bank, not to mention the depreciation of money. How much interest can there be at such a low interest rate? Don't you understand wasting principal?
You can use this 1 ten thousand to buy some popular bitcoins. In a few years, this 1 ten thousand may become1ten thousand. But if you deposit it in the bank, the interest is not enough to plug your teeth.
Thinking of this, I quickly stopped my dad. I pulled him to the sofa, made him a pot of tea, and told him not to be so impulsive and not to rush to the bank.
I asked him, "Dad, do you go to the bank to save money to earn more interest?" My dad said, "Yes, there is this factor, but not entirely." "If you consider more interest, you can use this money to buy some bitcoin, buy some stocks and buy some funds! You see, everything I bought has gone up a lot, much more than saving money. " Then I showed my dad my fund account.
I thought my dad must have been moved and asked me how to operate it. Then I will make things difficult for him and let him know that this era is the age of young people.
However, my dad doesn't want me to teach him at all. He got up and went to the bank to deposit money. I wonder, there are people who don't make money and have to save money where the interest is low.
My dad saw that I was full of doubts and asked me with a smile: "Look at your account, buy these funds, and finally make a profit." Besides, you have been working for several years. How much money have you saved? "
I was speechless at the moment, because I also made money over the years, but I spent it all. Although the fund made a lot of money recently, it lost more than 200 thousand before, and I didn't dare to tell my family.
My dad went on to say, "We really value interest when saving money, but the most important thing is to deposit money in the bank for a fixed period, so we can rest assured." . Because there is almost no risk. And relatively stable. If I put my 1 10,000 in the bank and deposit it for three years at the interest rate of 4%, the interest is actually quite a lot, that is, 1000000 yuan *4%*3 years = 120000 yuan. On average, there are 40 thousand yuan a year, which can pay for the expenses of your mother and me in a family for one year.
In addition, I keep this money in the bank regularly, and I don't expect to continue to use it. Then I will definitely continue to earn money. Will this money be saved? You young people are smart and can understand all kinds of financial platforms, but how many people make money through financial management? It is good for most people not to lose money after a few years.
And I usually spend money in a lump sum, and I have no idea at all. You have bought everything you need, how can you save money! "My dad seems a little well-meaning, say that finish, with a passbook and bank card got up and went to the bank.
I didn't keep up, but lost in thought. My father is over 60 years old. He has worked hard to make money and save money for so many years. He bought a house and a car for my brother. When I got married, he gave me 200 thousand. He and my mother put the money into the bank bit by bit.
Later, I thought, no matter how good we are, it is undeniable that those people who like to deposit money in the bank like my father are not stupid or stupid. They are a group of people who can really save money. Saving money in the bank makes them feel safe and hopeful, and the money saved can better support the development of their children.
Later, my dad saved money in the bank and came back. I leaned in and said, "Dad, after thinking about it, I should learn from you and learn how to save money. In this way, the money earned can be saved, and it will not be too anxious when needed in the future. "
Later, my father popularized a lot of knowledge about keeping deposits in banks.
1. Be sure to compare several banks before making a deposit. Because the interest rates of different banks are different, if you choose a bank at will for fear of trouble and the deposit amount is relatively large, then the interest loss is not small.
2. Deposit also depends on the specific time. Generally, the deposit interest rate at the end of the month, the end of the season and the end of the year may be higher, because many people will go to the bank to withdraw money at this time, and the bank will implement some welfare activities to attract customers to deposit.
3. Pay more attention to the deposit cycle. Generally, the current interest rates are very low. If you have spare money, you can save it for three years, so the interest will be a lot.
After listening to my father's words, I found that the really stupid person is myself, and I will try to deposit my money in the bank in the future.
What do you think of those people who put their time in the bank?
I like to deposit my time in the bank, and I guess there are not a few groups I represent. I am born after 70.
When I was born, I was not rich in material conditions. My parents worked hard for a year, and the money they earned was not enough to support our sisters. There is a large population and abundant food. At that time, there were no snacks, just enough to eat. It's really hard for my parents. Every time it is the hardest time for parents to pay tuition fees, the teacher urges us to go home. People who are not sensible can't understand the difficulties of adults, but no matter how difficult it is, our parents won't let us drop out of school. They work during the day and drag their tired bodies to mend and wash clothes for us at night. In order to earn more money, they do the hardest and most tiring work ... so I learned to save money, and only when I have money can I have confidence.
Later, my mother was diagnosed with cancer and stayed in the hospital for several years. The cost is not a small sum, but none of us children stood by and we all paid for it and served with our heart. Really, in the hospital, I really know how good it is to have money, and I know that only having money can be filial, instead of watching my mother helpless in bed, so I have to save money.
Later, I lost my electric car (20 1 1 at the end of the year), rested at home for two days, rushed to work in the factory, had no cash on me, and took my card out. It was the first time in my life that I bought something by credit card. I am so excited that I feel the convenience of bank cards for the first time. Another thing is that it is good to have money.
Now, as soon as I get paid, I go directly to the bank to deposit my card, and then I have enough integer deposits after a while, which has become a habit. I'm not young, and there are many places to spend money. Because I don't know which comes first, tomorrow or accident, it's necessary to save some pension money for myself.
Finally, I want to say that the interest rate is high. A little over 2 o'clock a year, a little over 3 o'clock in two years and nearly 4% in three years. Therefore, it is better to deposit it on a fixed basis. Moreover, for many years, in the eyes of ordinary people, banks are not only safe, but also any financing stock trading in Qian Shengqian is risky. Many people, like me, still think that it is better to deposit time deposits in the bank. Why not?
There are not many factors in financial management, and security and stability are also the key points.
I don't like it or not, but I can't help it. Where can the money bought with life be put except in the bank? It is not safe to put it in the bank. A few years ago, ordinary people worked hard to earn some money and were cheated by personal financing! This is what everyone can do!
I can't help it It is not safe to vote anywhere.
Social welfare can't meet the needs (such as children's schooling, medical care, house purchase, etc.). ). There are too few social security investment channels and too many swindlers. The stock market cannot see the unique caution of China people. Instead of being cheated, it is better to watch your money depreciate.
Rest assured. Because there is almost no risk and it is relatively stable.
Yes! Where can I put it if I don't deposit it in the bank? ! Ordinary people only have so little money. Who can they trust besides the People's Bank of China? !
Apart from banks, where is it suitable and safe?