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Vol.42 存款利率进入“1”时代，我们的钱放在哪里？ episode artwork

EPISODE · Nov 25, 2024 · 1H 20M

Vol.42 存款利率进入“1”时代，我们的钱放在哪里？

from 直来直往Stay True

近一年以来，定期存款利率一降再降，已经告别“2时代”，进入“1时代”。这让很多打算靠利息收入提前过上退休生活的人梦想破灭，或者说需要攒够更多本金才能过上靠利息生活的日子。这是低利率给大家带来较为直观的影响，其实低利率的影响远不止于此。存款利率下降的同时，房贷利率也随着下调。而存量房贷利率也终于降调，各商业银行原则上应于2024年10月31日前统一对存量房贷（包括首套、二套及以上）利率实施批量调整。但是，因为不同的贷款计价方式，有的可以自动调整，有的还需要贷款人主动申请。低利率给咱们普通人带来什么影响呢？不断升值的美元，普通人如何投资？如果不想存银行，还有哪些“稳健”的投资品种可以选择？本期节目，我们会从房贷、存款、投资（黄金、美股、A股）这几块来聊聊。提到的知识点：核心-卫星策略（Core-Satellite Strategy）一种资产配置方法，兴起于20世纪90年代，它分为两...去小宇宙查看完整单集简介在小宇宙查看该单集文稿

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Vol.42 存款利率进入“1”时代，我们的钱放在哪里？

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Frequently Asked Questions

How long is this episode of 直来直往Stay True?

This episode is 1 hour and 20 minutes long.

When was this 直来直往Stay True episode published?

This episode was published on November 25, 2024.

What is this episode about?

近一年以来，定期存款利率一降再降，已经告别“2时代”，进入“1时代”。这让很多打算靠利息收入提前过上退休生活的人梦想破灭，或者说需要攒够更多本金才能过上靠利息生活的日子。这是低利率给大家带来较为直观的影响，其实低利率的影响远不止于此。存款利率下降的同时，房贷利率也随着下调。而存量房贷利率也终于降调，各商业银行原则上应于2024年10月31日前统一对存量房贷（包括首套、二套及以上）利率实施批量调整。但是，因为不同的贷款计价方式，有的可以自动调整，有的还需要贷款人主动申请。低利率给咱们普通人带来什么...

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