When taking care of funds, in order to ensure the safety of funds and stable interest, some people prefer to use bank deposit products with fixed interest rates to manage, such as large-amount certificates of deposit, which are also a type of bank deposits. Due to the certain threshold, fewer people have deposited large-value certificates of deposit, and some people may not know how to save them to be more cost-effective. In fact, when saving, you may wish to keep in mind the "3 aspects", which is expected to be more cost-effective.
Can be bought at the beginning of the year
For a period of time, the deposit interest rate has fallen, and the large-amount certificates of deposit have also shown a situation of more monks and less porridge, and many people cannot grab them at all when they go to buy large-amount certificates of deposit. In fact, if you want to snap up the purchase, you can prepare funds to buy it at the beginning of the year. At the beginning of the year, in order to better attract savings, some banks had higher interest rates on large-denomination certificates of deposit, and the quota was relatively sufficient, making them easier for depositors to buy and more cost-effective.
Preferential selection of transferable
When choosing, you should know that when you encounter an urgent need for money, you can not only withdraw it in advance, but also transfer a large amount of certificates of deposit that can be transferred to others to reduce losses. If the conditions of the two products are not much different in all aspects, and depositors can choose, try to choose the one that supports transfer.
Try to buy products with a relatively low threshold for purchase
It should be noted that not all large-value certificates of deposit are deposited at a minimum of 200,000 yuan, and there are also some products with a much higher minimum deposit threshold, such as 300,000, 500,000, 1 million and so on. When choosing, it is recommended to try to choose products with a relatively low minimum purchase threshold.
This is mainly due to the fact that even if a large certificate of deposit supports partial early withdrawal, the remaining amount generally exceeds the minimum purchase threshold. If you have 300,000 yuan of spare money, you can have 100,000 yuan of early withdrawal space if you save 200,000 yuan. And if you save 250,000 yuan, there is only room for 50,000 yuan.
And if the minimum deposit threshold of a section is too high, such as 500,000 yuan, then the depositor will deposit in it, which will exceed the upper limit of 500,000 yuan of bank bankruptcy principal and interest and compensation, which is a certain hidden danger for depositors.
Of course, there are also people who do not look down on the interest rate level of large-amount certificates of deposit, thinking that after a period of falling volume and price, today's interest rate is far less than the beginning, it is difficult to play a good value-added role, if you want to better increase the value, you can also use some other stable ways to manage funds, such as bank change financial management, some general trend of foreign trade economic consignment, 100,000 yuan per month profit, or savings bonds.
To sum up, there are many ways to save money, if a person has more than 200,000 yuan of spare money, when saving a large amount of certificates of deposit, you can keep in mind the above "3 aspects", it is expected to save more cost-effectively, isn't it? What do you think?