As we all know, the most profitable product among bank deposit products is the large certificate of deposit. However, with the downward trend of interest rate market interest rates, large certificates of deposit have also joined the downward ranks. According to the deposit data of state-owned banks with large-amount certificates of deposit, the interest rate on three-month deposits is 15%, and the interest rate on semi-annual deposits is 17%, and the interest rate on a one-year deposit is 18%。Let's take a look at the situation with the currency**, as the situation changes. Also according to statistics, the return of currency ** can reach about 3%. In the case of the comparison between the two, the currency** obviously has an advantage over the large certificate of deposit in terms of income. So the problem is, the deposit rate is only 1How do we choose between a large certificate of deposit of 8% and a currency with an annualized return of 3%**? Let's find out!
First of all, from the perspective of high and low returns, currency** is definitely more worth choosing;
Secondly, there is nothing to say about the liquidity of money, which can support residents to realize the convenience of deposit and withdrawal;
In addition, from the perspective of threshold, a minimum deposit amount of 200,000 yuan is required for large-amount certificates of deposit, while currency** does not have this requirement;
Finally, from a risk point of view, although the currency ** is not as safe as a large certificate of deposit, at least so far, it has not lost its principal.
From this. From three or four perspectives, it is a wise choice to choose a currency at this time, and there is nothing to hesitate about. Is that really the case? Read on!
First, the level of income.
Judging from the above data, it is true that the current return of currency** is higher than that of large certificates of deposit. However, if the deposit period of large-amount certificates of deposit is increased, the annualized income that residents can enjoy will not be lower than that of currency**.
Second, liquidity.
Although the liquidity of the currency ** is strong, there is nothing to say about this, but it also has huge drawbacks, unable to control residents' desire to consume, and is not conducive to residents' choice of saving money.
Clause. Third, the threshold is high.
As we all know, no matter how much money you have, you can keep your money in it. The large certificate of deposit is different, and it takes 200,000 yuan to be able to enjoy it. As a result, most residents are unable to enjoy higher returns, but for those with more funds, large certificates of deposit are a more suitable option.
Fourth, the issue of risk.
Not to mention that large-denomination certificates of deposit are deposit products promoted by banks, which are backed by deposit insurance regulations. It is said that from the perspective of locking in the interest rate and being able to achieve stable income, the advantage of large-denomination certificates of deposit is completely higher than that of currency**, because currency** basically adjusts the interest rate every 7 days.
Based on the above situation, whether it is a large certificate of deposit or a currency**, there is no absolute direction to choose in the current period. Also, during a period of falling interest rates, don't just focus on the same way of managing your money. It is also important to allocate funds reasonably and help them increase their returns with the help of different directions.
Of course, in addition to large-amount certificates of deposit and currency, you can also use foreign trade economic consignment, 30 days to hand 1% of the share, a small amount of allocation can drive income. What do you think about this?