Why do people still go to the bank to deposit "time deposits"? Is it really stupid?

Can't say this is "stupid". At present, many people still think this is the safest way to invest, especially the previous generation. You can ask about 70 people around 100 who have money. If you deposit in the bank for a period of time, you can recover the principal and charge interest, which can be said to be a steady profit. Of course, bank interest will be less than the return on investing in other wealth management products.

There are many kinds of wealth management products on the market now. No one knows which is good or bad. If you are not careful, you will fall into the pit. Then you will lose your wife and your soldiers. This is the performance of "stupidity".

So in the final analysis, everyone has everyone's ideas, and people are different. I like to buy wealth management products with high risks and high returns, and I like to keep my money safely in the bank for a fixed period of time. You think the best people may not value it.

Personally, I don't think it's "stupid" for people to keep money in the bank, but it's safe and Qian Shengqian to keep money in the bank to get a slightly higher interest rate. Why not?

Some people may think it unwise to deposit money in the bank for a fixed period of time! This kind of person is very business-minded. They think it's not worth earning so little interest instead of keeping money in the bank. If there is a better way, wouldn't they make more money by taking out their savings to do business?

Of course, people with flexible business minds would rather borrow money to do business than put money in the bank for small profits! But we ordinary people are different. We are weak in funds, timid by nature, cautious in action and lacking in adventurous spirit. We dare not invest our own money easily. If we hit "Shui Piao", our family's life will be lost!

To tell the truth, I am also a person who keeps a little money in the bank for a fixed period. Because we ordinary people talk about material benefits everywhere and live cautiously, we think it is more cost-effective to deposit money in the bank for a fixed period than to save it. For example, if you deposit 10000 yuan in the Agricultural Bank, the current annual interest rate is 0.36%. After one year, you can only get the interest money from 36 yuan, and the regular annual interest rate is 2. 1%, so there will be 2 10 yuan in one year! So ordinary people only look at immediate interests! I dare not do anything that makes a lot of money and takes risks. After several considerations and repeated weighing of advantages and disadvantages, I still think it is most appropriate to deposit money in the bank for a fixed period of time!

From this perspective, everyone has different positions and views. Some people take money to the bank for time deposit, not because they have mental problems, but for peace of mind and to earn a little money!

The above is my personal opinion. Don't spray if you don't like it. Welcome to comment!

If you have money, you must buy a house first, buy two sets, one for self-occupation and one for investment, and the rest will be saved regularly if you have extra savings. Of course, when I say this, many people think I am stupid. I can't manage money. My money will depreciate in the bank, which is about 10% a year. But what if you don't deposit in the bank, buy stocks or buy funds? Is private lending allowed? Although the interest rate is high, dare you? At that time, there will be no principal. You think of others' (interest = = children) and others think of you (mother-= principal). Besides, if your investment can exceed the interest rate of 10%, there will be no better and more reliable investment and income. It is safest and most effective to deposit money in the bank, at least with interest, although it is not much, it will not lose money. When the time is ripe, there are good investment returns, injections are being considered, or money is urgently needed to treat diseases, bank deposits are the most important life-saving money. It is the last word for all of us ordinary people to seek stability and contentment. Don't think about making big money every day. Fight against yourself.

First of all, I want to tell the subject: I don't mean that people who deposit money in the bank regularly are "stupid", but the subject is really "stupid" to such a topic!

According to statistics, in 2020, the savings balance of urban and rural residents in China has exceeded 19 trillion yuan, and the per capita deposit has reached more than 60,000 yuan. This is not a small sum. At present, the per capita disposable income of urban and rural areas in China is only over 30,000. Even if the mortgage and car loan have to be repaid, the children's education expenses and medical expenses are high, and so much money can be squeezed out and deposited in the bank. This shows how much money is saved in the minds of China people.

The author observes that there are roughly the following categories of people who are willing to deposit extra money in the bank-

1. Retired people have a stable pension income every month. If after paying the essential living expenses, he (she) will not be trapped by lack of money in his (her) later life, he (she) will scrimp and save, leaving enough pension funds;

Second, rural residents, most of whom stay in rural areas to farm and develop animal husbandry; Most young people go to economically developed provinces and big cities to work, and they are unwilling to squander their hard-earned money. Except for the necessary living expenses, most of the money will be deposited in the bank. First, in order to build a building in my hometown, marry a daughter-in-law and leave a root, and the rest will be accumulated as life for future needs;

Third, the income of civil servants in government agencies and institutions is high. However, due to the lack of investment channels and insecurity, it is impossible to invest in Qian Shengqian as before. So most of the rest of the money can only be deposited in the bank, so don't worry too much;

Fourth, small and medium-sized business owners who value cultural management and despise assets. This kind of enterprises seldom need a lot of production cost besides business premises and a small amount of human capital investment. Therefore, the money they earn by fighting for capital with intelligence is real, and banks have become their best choice for accumulating wealth. ...

Now, unlike before, money can make Qian Shengqian more accessible. Such as real estate speculation, stock speculation, usury and so on. However, after missing the window of making money, the real estate speculators became landlords (especially those who made real estate speculation on the pavement); Those who buy funds only earn a little higher interest at first, and loan sharks simply don't know that other people's high profits are not counted or even lost! With all this, can the wise find a safe and quick way to get rich for the surplus funds in the hands of the people?

Besides, putting money in the bank now will not be as unbearable as some people make it! Although the benchmark interest rate set by the central bank is low, it can be said that after many small and medium-sized banks participated in the battle for deposits, it was a mess. State-owned banks, which used to bully customers in the past, finally couldn't sit still, dancing in the wind and raising deposit interest rates. At present, the interest rate of three-year time deposits without certificates of deposit rises by 40% to 3.85. It is much higher than the index of 2.5% increase of national CP 1 in 2020 announced by the Bureau of Statistics. How does the money deposit bank depreciate?

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Before the reform and opening up, the per capita income was low, so the salary was only a few tens of dollars, and there was not much money left, so few people went to the bank to save money. Until the early 1990 s, people with jobs went to the financial office of the unit to get their salaries, and the financial office was the busiest day for them to get their salaries.

Later, wages were high, and more people went to the bank to save money. Current savings, low interest, fixed savings, high interest. Therefore, people with more money will deposit large sums of money in fixed accounts.

Later, the financial office of the work unit stopped paying wages, and the wages were all paid in the bank memory card. You don't have to go to the finance office to get your salary, just go to the bank. The life span of wages is much better, and it has become a fixed term with high interest. I have never considered a fixed account. My wife knows that a few years ago, she said that the bank would give gold cards to the elderly, with an interest of 200,000 yuan and 27,000 yuan. So I bought one. Who knows that my son is anxious to wait for the money, and there are still three months before the appointment, which will be transferred to his son's card. In this way, the interest of 27,000 yuan will be wasted.

There is no way to deposit money in the bank. If the currency depreciates, it is safer to keep it in the bank than at home.

Friends who ask questions may be engaged in stock investment or financial management. They really think about what they eat. Just now, in order to get everyone to invest money in him, he said that you should not buy a house. In eight years, the house will be as cheap as green onions. A garlic seller said that eating garlic can prolong life, prevent cancer and so on.

I personally invested in stocks five years ago and never lost money. After that, I transferred all my money, bought a house, and deposited the rest in the bank regularly.

Now I think the decision at that time was completely correct, because I saw too many people lose their money in financial management. What impressed me the most was a girl who worked in a bank. She asked her mother to invest in the fund in her bank to manage her money. Her daughter told her mother that if you don't manage your money now, the money will ignore you. Mother felt that she was behind the times, or her daughter knew more, so she took out her life savings and put them in her daughter's bank to manage money. It was not until two years later that I went to the bank to do business that the girl told me that her mother had no contact with her. I asked why, and she said that there was a little money left in the investment, and it was almost lost.

As for personal finance, I don't think it's too risky. After all, money is hard to come by, especially when it shrinks. If it shrank that year, my stock or fund financing lost100000 a year, but even if I put the interest in the bank, the shrinkage would not exceed100000, and the loss would be relatively less.

Sometimes fools are blessed, and those who are in a hurry for money end up losing a lot of money instead of coming.

Deposit money in the bank regularly, not to say that people are stupid.

There are indeed many ways to save money and appreciate, both online and offline. I used to be on TV and advertise crazily. You didn't manage money and money ignored you. That's really, the national financial management frenzy.

Tell me about myself. I have done all these things, such as stock trading, buying funds and buying insurance. But in the end, it was cut as leek.

Everyone in the original unit shares. I feel that they are all like stock experts, and everyone is right. I don't know if I made any money. Anyway, I feel that they all made money except me.

After playing for a few years, I didn't feel very good. After that, I needed money to buy a house and was laid off. In this way, the stock lost money, but the house rose. With this sweetness, I embarked on the road of buying a house. Abandon shares and change houses. Now, those who traded stocks in those years have stopped speculating, and some have done long-term work, regardless of whether they ask or not. There are a few others who listen to them occasionally when the stock market goes up, but no one talks when it goes down.

At present, my money is basically deposited in the bank for a fixed period, divided into multiple parts and different years. This is more stable. Don't worry about going up and down.

It's not stupid to save regularly, it depends on one's personality and thoughts. Some people like high risk and high return, while others like low risk and stability. Take what you need.

A: Not stupid! Because these people already have houses and cars, and they have more spare money! Of course, I keep my money in the bank for regular interest! Because the fixed interest rate is high, the interest for saving 500,000 yuan for five years is more than 654.38+20,000 yuan. Can you not save such high interest? If you have no money to save, don't call others stupid, you are a traitor! There is no risk in large time deposits, so why not? You tell these people to buy stocks, and they will lose money in a few days! Don't worry about being stupid! Or rape! Do whatever you want with the money! Answer over.

Not long ago, my friend deposited 200,000 yuan in a large state-owned commercial bank, all of which are one-year fixed deposits with an annual interest rate of 2.25%, which means that the interest paid in one year is 4,500 yuan.

In this friend's opinion, interest is not the most important thing. The most important thing is to keep the money in the bank to ensure its complete safety. The complete security of the principal is paramount.

Putting money in the bank to open a time deposit will not generate high interest like some wealth management products. When the interest is settled, they will change their minds again, or they will not reach the promised interest, or even lose money, or even shake the foundation of the principal.

Maybe one day, extreme things will be put on yourself. This situation is common in this kind of linked structured wealth management products, and finally even the designers and operators of wealth management products are installed.

Some people think they are superior to others, saying that the longer they stay in the bank, the greater the amount they save and the greater the loss. This is a wonderful logic. Is it really interesting to deposit a time deposit in the safest place in the bank and become a fool?

No matter how high inflation is, the more cash you can control, the higher your safety factor and the less you will be swallowed up by inflation.

Whether it is within one year or three years, it is a good choice to deposit money in the bank for a certain period. This money can be deposited separately, so as to avoid unnecessary interest loss caused by withdrawing money in advance when it is urgent.

It should be said that it is the wisest choice for conservative investors to deposit a term in the bank.

It is conservative in the matter of bank time deposits, but this does not mean that it must be conservative, conservative, prudent or enterprising for other varieties. Different products have different attitudes.

However, conservatism is a basic foundation, which can't be lost at any time, that is to say, this most basic base area can't be lost. If all the base areas were lost, then the others might have been lost long ago.

If you feel that the interest rate of one-year or three-year time deposit is low, you can also choose a large deposit certificate with a slightly higher interest rate. Three-year certificates of deposit have an annual interest rate of 3.5% or even 3.8%, which is not a big problem.

Some people earned 30,000 to 40,000 yuan on the/kloc-0.8 million shares stock fund, and they began to get carried away, boasting about how high the value of the stock fund was everywhere, as if they had discovered a new continent, which I am afraid others did not know.

Some people lost 200,000 to 300,000 shares of stock funds180,000, and could not find the north. When do you think such fund investors will make their shady losses public? They have long been timid.

Many of our colleagues have redeemed their wealth management and turned it into bank deposits.

The reason for redemption is that in the middle of last year, there were many negative values in financial management, and some of them defaulted on their debts, so they were a little worried about converting the principal, because many people prepared wedding money for their children, fearing that if something went wrong, the children would be caught off guard when using the money, which would delay the lifelong event.

In fact, the reason why I choose to deposit money in the bank regularly is also a last resort, because the funds are safe.

They have invested in stocks and funds, but most of them are deeply trapped. Now, I'm afraid all the real estate speculators are takers, and it's easy to get into their hands, so even if they have some spare money, they dare not take too much risks, and they still have to deposit it in the bank for a fixed period of time.

At the end of February last year, there were 65438+, and there were time deposits from colleagues. The one-year interest rate is 2. 1, the two-year interest rate is 2.94, and the three-year interest rate is still relatively high. I don't know if the interest rate has come down now.

In fact, money can't be put in one basket, and a certain proportion of funds should be set aside to keep the principal.