Chinese New Year is a day of family celebration, but there are many things that make people distressed, such as how much money to give to the children, how much filial piety money to give to the elderly, and how much it costs to buy New Year's goods. For many people, the New Year will be a lot of "thin" wallets. When some people save money after the year, they hope to get more interest to reduce the financial pressure.So, what should ordinary people do when they deposit money in the bank to expect to get more interest?Here comes the answer
Try to dump manually, but check Auto dump easily
If you do not check the automatic rollover, then the interest will be calculated according to the current deposit interest rate within the overdue time after the maturity of the fixed deposit, which is not cost-effective. Therefore, when we save money, it is better to try to check it easily.
However, this does not mean that everything will be fine after choosing the automatic rollover, because the automatic rollover is not possible to change the bank, change the term, etc., the degree of freedom is not high, and after the original time deposit expires, the term selected at the beginning may not be suitable for the depositor's idle funds. If you want to get more interest, it is recommended that depositors go to the bank to manually transfer it after the deposit matures, if there are conditions. That is, to take out the money and deposit it again.
Choose the right depository bank
When depositors want to get high interest rates when depositing money, they must choose the right deposit bank. It is not advisable to choose a state-owned bank, because the interest rate of the state-owned bank is too low at the moment. However, it is also very particular when choosing small and medium-sized banks. For example, after the New Year, many people are very mobile, some people will come to work thousands of miles away, some may go out of the province, and sometimes the stations of the train transportation route may even cross the cities of several provinces.
However, the deposit interest rates of different small and medium-sized banks in China are different, and the deposit interest rates of some small and medium-sized banks are very high, while others are relatively low. If you have a lot of money and want to deposit in a bank with a higher interest rate, you can look at the cities you pass by along the way from the beginning to the end of the road where the deposit interest rate is higher. You can go to the bank to deposit money, and you are expected to get more interest. If necessary, you can actually transfer at a station in the middle, save money and then continue your journey, which can be regarded as a kind of deposit special forces.
Of course, this is more troublesome, so if you use this way to manage your funds, it is more recommended to use it to take care of your long-term spare money.
Let's see if there are any high-interest certificates of deposit
For people with more funds, if they want to get more interest, in addition to ordinary time deposits, they can also see if there are large certificates of deposit with relatively high interest rates. Large-amount certificates of deposit are also principal-guaranteed deposit products, with a minimum deposit of at least 200,000 yuan, and some also support transfer, which is more flexible and worth considering. At the beginning of the year, the amount of large-denomination certificates of deposit will be relatively higher, and it is still expected to deposit large-denomination certificates of deposit with high interest rates, so as to earn more interest.
Of course, in recent years, the overall volume and price of large-amount certificates of deposit have also fallen, if you want to better increase the value, you can also take care of most of the funds with the help of bank fixed deposits, and increase the value of a small number of funds with the help of some other ways, such as savings bonds, some foreign trade economic consignment, 100,000 yuan per month profit, or ** fixed investment, etc.
To sum up, if ordinary people have spare money and are ready to deposit in the bank, they may wish to try to use the above methods to make themselves expected to get more interest. I wonder if you have any other good ways to manage your money? Welcome to leave a message in the comment area to discuss.