In this day and age, almost everyone has had the experience of saving, but being able to maximize the benefits of saving is not something that everyone can do. So the question is, if you have 150,000 savings in your hand, how to take care of it is the most cost-effective? Let's take a look at what the bankers have to say.In the age of interest rates, everyone wants to achieve the maximum benefit with the least amount of money. Considering the safety of the principal, the level of income and the liquidity, how to manage the deposit? The best way to do this is to split the funds so that you can maximize the benefits as much as possible.
1. Security.
Among the many financial management methods, in addition to bank deposits, the safest is savings treasury bonds. Both of these methods are low-threshold financial management methods and are suitable for the public to choose. However, compared with bank deposits, savings bonds are limited in time, and it is difficult for most Chinese people to enjoy them.
Therefore, if you want to ensure the safety of bank deposits, banks are still the most worthy direction for Chinese people. If you want to ensure the safety of your deposits, you must deposit at least 50% of your deposits in banks, which can also effectively diversify risks.
2. The issue of income.
Of course, if the bank's income is high and can outperform the inflation rate, you can choose to deposit about 70%-80% of the funds in the bank, which can basically protect its income.
However, in the face of declining bank deposit rates, we need to use other channels to help increase passive income. So, what directions are suitable for everyone to choose at the moment? Let's break it down in each direction!
First of all, the well-known ** is the direction that Chinese people often choose. However, in recent years, under the economic environment, the benefits of ** and ** are not ideal, and they are not suitable for ordinary people to choose;
Second, it is **, bonds and financial channels, which are relatively low-risk directions that are more suitable for choice, but at present, there is not much room to increase income, and the improvement of passive income is relatively limited. But compared with ***, it is also more suitable for ordinary people to configure;
Third, if you want to help increase passive income, you can also use some policy support directions, such as the foreign trade economic agency built under the promotion of the stable foreign trade policy, to achieve a 1% share in 30 days, and a small amount of allocation can drive passive income. It is recommended to maintain this part of the fund allocation at about 30% for the improvement of passive income.
3. Flexibility.
In addition, we will encounter the situation of urgent use of money in life, but we don't want this money to be idle, and we want to make it profitable at the same time, and we will not delay us to use it at any time.
At this time, the direction we can choose is some currency channels, such as change pass, Yu Yu Bao and bank change management channels, etc., which can realize the deposit and withdrawal of funds at any time. Not only that, but the benefits brought by these channels are higher than putting money in demand deposits, which is more conducive to increasing residents' passive income. It is recommended to deposit around 20% of the funds.
In general, with the changes in the social economy, the best way to help maximize the benefits of wealth in hand is to split the funds and increase the value from different channels. What do you think about this?