If you have a deposit of 300,000 yuan, don't rush to save a fixed amount! Bank insiders revealed
Ordinary people, usually live a frugal life, have a balance of money in their hands, immediately deposited in the bank, the reason for this arrangement is nothing more than to make themselves more and more rich, after all, to deposit money in the bank, this is the safest and most secure investment method in the financial market, the bank is also the most trusted financial institution of the people, but saving money also needs to master skills and methods, after all, it is directly related to how much interest in the final hand, so how to save? How can I get more interest?
My colleague Xiao Li encountered this complicated problem, he said that he had 300,000 yuan of savings deposited in CCB, and the deposit was a three-year fixed term with an interest rate of 35%, a year's interest is 10,500 yuan, see here I think you have found out, this interest is not high, the reason behind the lack of methods and skills, the person in charge of the bank revealed, there are 300,000 deposits, do not keep the term, then the annual deposit interest will be more than 10,000.
Bank deposits are divided into demand deposits, time deposits, large-amount certificates of deposit, agreement deposits, structured deposits, large-amount certificates of deposit, etc., the above types all belong to the category of deposits, but the interest rate is not the same, demand deposits and time deposits belong to the type of people's regular savings, while other types have limits, such as large-amount certificates of deposit, some banks start at 200,000, some banks start at 300,000, and the interest rate is much higher than normal deposits.
The interest rate of 300,000 yuan of my friend Li in the Bank of China is only 35%, in fact, fully meets the requirements of large-value certificates of deposit, if you choose to exist in a small local bank, and choose large-amount certificates of deposit, the interest rate is at least 4More than 5%, you can get an interest income of 13,500 yuan a year, that is, more than 2,000 yuan more than the interest on the normal deposit, what should I do with the extra money? What's so bad about that?
It is estimated that some people also have questions: is the safety of small banks guaranteed? The answer is yes, of course, there is, as mentioned earlier, large-amount certificates of deposit are also savings deposits, and the deposit insurance regulations issued by the state are also to protect large-amount certificates of deposit, and the principal of 300,000 yuan has not yet reached the maximum compensation limit of 500,000 yuan stipulated in the deposit insurance regulations, so the safety of principal and interest is guaranteed.
Combined with the previous analysis, the results are obvious: the safety factor is exactly the same, but the final return is not the same, due to the lack of common sense of financial deposits, the choice is different, therefore, if you want to save money to get the maximum return, it is very important to master the necessary skills and methods, and understand the relevant common sense. What do you think? If you like it, you can leave a message to discuss.