Saving money in a bank account is becoming an increasingly popular choice for many people.

VTV.vn - Saving money in a bank is always a popular choice because it guarantees two values ​​that users seek: stable returns and proactive control over their cash flow.

Illustrative image.

Currently, in November, consumers are shifting from other investment channels to safe savings solutions, with bank savings deposits making a comeback as one of the leading options.

Ms. Dang Thi Ngoc Diep (Hai Ba Trung Ward, Hanoi ) works for a foreign import-export company. Her average monthly salary is 20 million VND. Having worked there for 5 years, she has saved a considerable amount of money. Instead of investing in any particular field, she chose to put it in a savings account.

"As an office worker like me, I just receive my salary and then put it into savings. I find channels like gold or stocks quite risky, so I choose savings accounts," Ms. Diep shared.

In addition to regular savings deposits, some banks also offer specialized deposit products with specific benefits for different customer groups, such as savings deposits for the elderly, savings deposits for women, savings deposits for members of the armed forces, etc.

Mr. Pham Dinh Nhat Tam (Ba Dinh ward, Hanoi) said that after several decades of work, with the money he had saved, he also chose to put it in a savings account.

"I feel secure and confident putting my money in a savings account. Besides, there are preferential rates for the elderly, even though the percentage is small, it encourages us to save and use the interest for our daily expenses," Mr. Tam shared.

Banks also note that, to optimize returns, customers need to clearly understand their own financial needs and plans, and try to anticipate future expenses. This allows them to divide their accumulated funds into multiple savings accounts with different terms, enabling flexible withdrawals when needed without affecting interest earnings.

Source: https://vtv.vn/gui-tiet-kiem-ngay-cang-duoc-nhieu-nguoi-lua-chon-100251208113630024.htm