According to our country's ".Deposit Insurance RegulationsThe interest on depositors' deposits is less than 500,000 and can be obtainedBanksFull payout. This regulation was introduced in 2015 and has not changed since. Therefore, in order to ensure the safety of funds, depositors should put on a regular basisCertificates of depositThe amount is controlled within 500,000, and the deposit is scattered into multiple depositsBanks, each familyBanksThe deposit should also not exceed 500,000. In this way, even encounteredBanksIn the event of bankruptcy, depositors will still be able to receive full compensation. It should be noted that deposits of more than 500,000 need to wait until bankruptcyBanksAfter liquidation, compensation is made according to a certain percentage, so there may be a certain loss of the depositor's principal.
In addition, deposits of more than 500,000 should also be taken into account for fundsLiquidity。Some savers like to keep all their savings in one sheetCertificates of deposit, although this is convenient, but when you need to withdraw your deposit in advance, this oneCertificates of depositFunds on can only be deposited in accordance with current accountsInterest ratescalculated, depositors may suffer significant losses. Therefore, we recommend that if the funds exceed 500,000, they can be spread out into multiple periodsCertificates of deposit, so that when you need money urgently, you only need to withdraw one of themCertificates of depositon the funds without affecting the otherCertificates of depositinterest income.
When depositors make deposits, they should also try to maximize the return on their deposits. ExceptFixed DepositsIn addition, there are some risk-free varieties to choose from, such as large amountsCertificates of depositStructured DepositswithTreasury bondsWait. While the yields of these products are also unable to outperform inflation, howeverInterest incometo compareFixed DepositsofInterest ratesHigher.
Large amountsCertificates of depositIt refers to the deposit amount exceeding 1 million yuanFixed Deposits, itsInterest ratesMore ordinaryFixed DepositsThe higher, the more you can getInterest income。StillBanksFor large amountsCertificates of depositThere are many restrictions, and certain conditions need to be met before you can buy it.
Structured DepositsIt is a financial product that combines deposits and derivatives, with a certain income guarantee and low risk. But it should be noted that ifInvestmentsFail, depositors' deposit yields may not be as good as expected and there is a risk of zeroing. Therefore, in the purchaseStructured DepositsWhen depositors need to have someRisk tolerance
Treasury bondsIt is a debt bond issued by the state, which has the characteristics of extremely high capital security. PurchaseTreasury bondsIt is possible to obtain a stable oneInterest income, especiallyTreasury bonds, the yield is relatively high. Savers can consider transferring a portion of their fundsInvestmentsonTreasury bondsto increase the yield on the deposit.
To sum up, savers should pay attention to the fixed term when choosing a deposit methodCertificates of depositThe amount is controlled within 500,000 yuan, and the deposits are dispersed to ensure the safety of funds. At the same time, you can consider buying large amountsCertificates of depositStructured DepositsTreasury bondsand other risk-free varieties to maximize deposit returns.
In the current unstable economic environment, deposits have become one of the preferred ways for many people to ensure the safety of their funds. And when choosing a deposit method, we need to pay attention to reasonable control of the termCertificates of depositthe amount of not more than 500,000 to ensure that inBanksIn the event of an emergency such as bankruptcy and bankruptcy, you will be paid in full. In addition, savers also have to take into account the fundsLiquidity, spread the deposit in differentBanks, different periodsCertificates of depositso that you can flexibly withdraw money when you need it urgently. At the same time, in order to maximize the return on the deposit, we can consider buying some large amountsCertificates of depositStructured DepositswithTreasury bondsand other risk-free varieties to increase depositsInterest income
in the individualFinancial planningDepositing is just one of the ways we can also combine the othersInvestmentsway, such as **, real estate, etc., to achieve more asset appreciation. However, while pursuing high returns, we should also pay attention to risk management and do a good job of diversifying the allocation of funds to avoid excessive one-time losses. In addition, we can also adapt to our ownRisk tolerancewithManage your moneygoals, choose the one that suits youInvestmentsway, do a good job of long-term planning.
In short, a reasonable choice of deposit methods can not only ensure the safety of funds, but also obtain a certain amountInterest income。AsPersonal financeAn important part of the planning, we need to adapt to our own needs andRisk tolerance, flexibly choose different deposit methods, and combine with othersInvestmentsto achieve steady growth of assets. Only with adequate planning and rational decision-making can we move towards the path of financial freedom.