08/06/2023
【 🚶♂️踏入6月份，定期存款加息潮持續香港各家銀行嘅定期存款利率已經上調，有啲甚至接近4%！】
由6月開始，逾10家銀行加息，存期為3個月至12個月，其中包括匯豐銀行🏦。最新連滙豐都加息，不過僅調升3個月及6個月存款嘅年利率，唔再提供12個月嘅優惠利率除咗三家發鈔銀行，仲有其他銀行提供選擇，例如中信銀行亞洲嘅4.2%利率，華僑永亨銀行嘅4.18%利率，中國建設銀行（亞洲）嘅4%利率等等。虛擬銀行亦都加入競爭，提供接近3.8%或3.8%嘅利率。如果你係儲蓄者，更高嘅利率無疑係一個好消息，你可以關注最新嘅促銷活動並比較不同銀行嘅利率
資料來源：https://wealth.hket.com/article/3395800/【高息定期存款】 新高位4.2厘、11個4厘選擇一表看清！滙豐也加息、6個月3.4厘
🤔相對於其他投資而言，定期存款係一種相對低風險、低收益嘅選擇。雖然近期香港多家銀行提高了定期存款利率，但係相對於股票、基金等高收益嘅投資而言，定期存款依然是一種相對保守嘅選擇。咁幾時應該放錢落一個定期或者高息儲蓄戶口呢？通常我會建議客人將短期目標（即係1-2年內要用到嘅錢）放入定期存款或高息戶口，例如首期、旅行、結婚等等
💡再舉個簡單例子，如果有1百萬，分別投資喺每年4％同每年8％回報嘅工具，若干年後，兩者回報會相差幾百萬
🙆其實合理地分配錢投資喺股票、基金係十分重要！投資嘅神奇之處在於等時間為您效力。當您有10年或以上的時間視野時，買入和持有股票、基金等投資嘅影響可以係好巨大
唔使花太多時間擔心係咪應該用高收益儲蓄戶口或者用定期存款，呢個唔係致富嘅方式。相反，花時間專注係尋找增加收入，儲存所賺嘅健康部分並持續投資。提醒大家遵循以下規則來積累財富：
1️⃣ 投資金額要低於你嘅收入水平
2️⃣ 盡早開始投資
我可以幫助你從冇任何投資想法到你逐步開始建立投資組合，歡迎DM查詢
🚶As we enter June, the trend of regular deposit interest rate hikes continues, with over 10 banks raising interest rates for deposits with terms ranging from 3 to 12 months in Hong Kong. This includes HSBC, which has increased its interest rates for the annual interest rates of 3 and 6-month deposits but will no longer offer preferential rates for 12-month deposits. Other banks such as CITIC Bank Asia, OCBC Wing Hang Bank, and China Construction Bank (Asia) offer interest rates up to 4.2%, 4.18%, and 4%, respectively. Even virtual banks are joining the competition, offering interest rates close to 3.8%
💰 For savers, higher interest rates are undoubtedly good news. Keep an eye on the latest promotional activities and compare the interest rates of different banks
🤔 Compared to other investments, fixed deposits are a relatively low-risk and low-yield option. Although many banks in Hong Kong have recently raised their interest rates on fixed deposits, they are still a relatively conservative choice compared to high-yield investments such as stocks and funds. So, when should you put money into a fixed deposit or a high-yield savings account? In most scenarios, it is recommended that clients allocate money for short-term goals ( i.e. money to be used within 1-2 years) put into fixed deposits or high-yield accounts, such as down payments, travel, weddings, etc
💡 Here's a simple example. If you have 1 million and invest in tools with a return of 4% and 8% per year, the returns will differ by millions after several years
🙆 In fact, it is very important to allocate money reasonably for stock and fund investments! The magic of investing is that time works for you. When you have a vision of 10 years or more, the impact of buying and holding stocks, funds, and other investments can be huge
Don't spend too much time worrying about whether to use a high-yield savings account or a fixed deposit, as this is not a way to get rich. Instead, focus on finding ways to increase your income, save a healthy portion of what you earn, and continue to invest. Remember to follow the following rules to accumulate wealth:
1️⃣ The investment amount should be lower than your income level
2️⃣ Start investing as early as possible
I can help you go from having no investment ideas to gradually building an investment portfolio. Feel free to send me a direct message for inquiries
#香港銀行 #定期存款 #利率上調 #高息儲蓄 #投資理財 ＃投資 Kong Banks Deposits Rate Increase -Yield Savings Management ＃JadeiteFamilyOffice
