Ordinary people have 300,000. Don’t invest it randomly. Just put it in the bank and earn interest. What do you think?

Faced with the current environment of high inflation and low interest rates, ordinary people should not invest randomly if they have 300,000 yuan, just let it go to the bank and earn interest. This view is outdated; today is different, rely on the bank Earning interest on deposits is no longer popular. It is a waste of money and is not worth promoting.

Why are you opposed to ordinary people putting 300,000 in the bank to earn interest? My personal opinion on this issue is very simple. I mainly have the following three opinions, which are for your reference only.

Opinion 1: Deposit interest rates are too low

Bank deposits have always maintained low interest rates. According to the original current deposit interest rate is 0.35, the three-month interest rate is 1.10; 6 The monthly rate is 1.30; the 1-year rate is 1.50; the 2-year rate is 2.10; the 3-year rate is 2.75. According to this interest rate, the interest earned on depositing 300,000 yuan in the bank cannot keep up with the increase in CPI.

In order to release liquidity to the market, the central bank decided to lower demand deposits and time deposits by 10 basis points, and three-year time deposits by 15 basis points; the latest deposit interest rate after the reduction is 0.25 for demand deposits. , the 3-month interest rate is 1; the 6-month interest rate is 1.20; the 1-year interest rate is 1.40; the 2-year interest rate is 2; the 3-year interest rate is 2.6. The deposit interest is getting lower and lower, and it is not worth depositing.

If based on the latest data after the central bank lowered the deposit interest rate, and based on the three-year time deposit interest rate of 2.60, if an ordinary person deposits 300,000 in the bank, the total interest in one year will be: 300,000*2.60*1 year= 7,800 yuan, this interest is not enough for two months of living expenses, it is too low.

Opinion 2: Deposits are increasingly depreciating

Price is rising every year, but the interest on bank deposits has remained unchanged. Currently, the interest on bank deposits is decreasing instead of increasing. The interest rate is even lower; with the reduction of bank deposit interest rate, it is even more difficult to keep up with the rise in prices, which will only make money depreciate faster.

According to the CPI increase in recent years, the average annual increase is about 3, while the actual inflation rate is about 5 to 7; if depreciation is calculated based on the CPI increase, it will depreciate every year for 30 years. 9,000 yuan, and based on the inflation rate, the annual depreciation would be at least 15,000 yuan, which is too fast.

The most typical one is that the purchasing power of 10,000 yuan 10 years ago was extremely high, but 10,000 yuan 10 years later cannot do anything at all, and the speed and extent of depreciation are too great; therefore, you can definitely deposit the money in the bank. Eating interest is wrong. The more you save, the poorer you will be. Currency depreciation must be considered.

Opinion 3: You can choose other investment and financial management

Ordinary people have 300,000 yuan. This 300,000 yuan must be frugal and frugal. To be honest, ordinary people can have 300,000 yuan. This deposit is really great. It takes a lot of hardships to save 300,000. You must make good use of this money.

The interest rate for depositing 300,000 yuan in the bank is too low, and monetary funds are also very low now. Risks and returns must be considered. Based on the current situation of major investment and financial management, 300,000 yuan is invested in two parts, 15 Wan is used to buy treasury bonds, and the yield on treasury bonds is higher than the interest on bank deposits.

Secondly, there is still 150,000 yuan that can be used to pursue high returns, that is, buy all bank stocks, buy one of the four major state-owned bank stocks, so that every year you enjoy the stock dividend income, you will eat more interest than depositing in the bank. Even stronger, as long as you insist on holding bank stocks for a long time, you will definitely get unexpected benefits.

Summary

Through the above three major opinions, we can conclude that it is wrong for ordinary people to lend 300,000 yuan to the bank to earn interest. The reason is that bank interest rates are too low and the depreciation of money in banks is too high. Come on, I would rather buy treasury bonds or bank stocks than deposit money in banks. These three points are my personal views. I don’t know if everyone agrees. What do you think of this issue? Everyone is welcome to discuss in the comment area.