When many people deposit money in the bank, they hope to get more interest and higher interest rates, but for depositors, it is basically difficult to decide how high the bank's deposit interest rate is. So, if there is 1 million yuan deposited in the bank, how to take care of the interest is more?Insiders say that there are actually 4 major methods.
Select a small or medium-sized bank
In general, it is easier to get high interest rates in small and medium-sized banks than in large banks. If there are many banks around a person, you can give preference to small and medium-sized banks with higher interest rates.
If the banks around a person are all large banks, you can try to deposit money in small and medium-sized banks in other places. Some people may say that this is not worth it, but it is actually worth it, because 1 million yuan is not a small amount, and the interest rate increases by 01%, the annual interest can increase by 1,000 yuan. If there are small and medium-sized banks in the city or other provinces, the interest rate is 0If 5% of the bank exists, the annual interest can also be increased by 5,000 yuan. I believe that for many people, it is worth a trip to these interest rate differentials.
Large certificates of deposit
If it has been determined that it will be deposited in a certain bank, it can be managed with the help of large certificates of deposit, which are often higher than ordinary fixed deposits in the same bank, and are expected to bring more interest. And 1 million yuan is far higher than the minimum threshold of 200,000 yuan, so you can still save it with confidence.
However, when depositing a large amount of certificates of deposit, it is not recommended to deposit all 1 million yuan in the same large amount of certificates of deposit, which can be divided into several deposits, and the principal and interest of deposits in the same bank should not exceed 500,000 yuan.
Structured Deposits
Some people have a strong risk tolerance and feel that the current deposit interest rate is relatively low, and want to better increase their value, then they can try to save structured deposits, hoping to get higher interest income than any other deposit method. Structured deposits will use a part of the funds to invest in financial derivatives, so that although they have to bear a certain interest risk, they are also expected to win high interest rates. In addition, structured deposits are principal-protected and have a relatively low risk.
Choose some special CDs
Of course, you can also choose some special fixed deposits to get high interest. In many banks, there are some deposit products with a higher threshold than 50 yuan to choose from, such as some exclusive deposits, or some special deposits, which are expected to allow depositors to get more interest.
However, although the above methods are expected to allow people with deposits of 1 million yuan to get more interest, due to the relatively low deposit interest rate environment, the effect of this is limited.
And for the sake of reducing the overall risk, it is not recommended to use the same way to manage all the funds, you can divide 1 million yuan into several parts, take care of them separately, and you can also introduce bank change financial management, some of the general trend of foreign trade economic consignment, 100,000 yuan per month to get 1,000 yuan of profit, or savings bonds, etc.
In short, if you have 1 million yuan ready to be deposited in the bank and want to get more interest, you may wish to use the above 4 methods to manage your funds, which is expected to have a better value-added effect.