Kunpeng Project
How can the average person increase interest when making a bank deposit? The answer is revealed
Chinese New Year's Eve is a happy day for the whole family, but Chinese New Year's Eve makes people worry about many things, such as how much money to give to children, how much filial piety to the elderly, and how much to spend on New Year goods. For many people, the Chinese New Year has made their wallets a lot thinner. Some people save money after the year in the hope of earning a little more interest to alleviate financial pressure.
So, how exactly can the average person keep their money in the bank and earn more interest? Here's the answer.
Try flushing manually, but tick off the dynamic auto-flush box!
If you do not tick the auto-renew option, the overdue interest on the fixed deposit will be calculated at the current account interest rate, which is very uneconomical. So when saving money, it's best to tick it off with your hands as much as possible.
However, this does not mean that once you choose automatic rollover, everything will be fine, because automatic rollover cannot change the bank, change the term, etc., and the degree of freedom is not high, and there may be inactivity of depositors' funds after the maturity of the original time deposit and the expiration of the original term. If you want to get more interest, it is recommended that depositors go to the bank to manually transfer the deposit if conditions are available after the deposit matures. In other words, take out the money and put it back in.
Choose the right custodian bank.
When depositing money, if you want to get a high interest rate, you should choose the right deposit bank. It is not advisable to choose a public bank, because the interest rate of the public bank is too low at the moment. But there are also many benefits to choosing a small or medium-sized bank. For example, after the year, many people are very active, some people have to go to places thousands of kilometers away from work, and they may leave the province, and sometimes the stations on the rail transit line may even cover cities in several provinces.
The deposit interest rates of small and medium-sized banks in China vary, some are very high, while others are relatively low. If a person has a large deposit and wants to deposit in a bank with a higher interest rate, look at which towns and cities you pass through on the way from start to finish have higher deposit rates. Then, you can deposit your money in that bank and expect to get more interest. If necessary, you can actually make a stopover, deposit money and then continue the trip, which is also a kind of special forces deposit.
Of course, this is more troublesome, and if you manage your money this way, it is more recommended that you use it to get long-term free money.
Look for large certificates of deposit with high interest rates.
For those who have more money and want to get more interest, in addition to ordinary time deposits, you can also look at large certificates of deposit with higher interest rates. Large-amount certificates of deposit are also deposit products with principal protection functions, with a minimum deposit amount of at least 200,000 yuan, and some also support rollover, which is more flexible and is still worth considering. Moreover, at the beginning of the year, the amount of large-denomination certificates of deposit will be relatively high, and it is still hoped that everyone will deposit large-denomination certificates of deposit with high interest rates in order to get more interest.
Of course, in recent years, large-value certificates of deposit have also risen in both global volume and price. If you want to get better value-added, you can also handle most of the funds with the help of bank fixed deposits, and use some other means to obtain value-added, such as savings bonds, some foreign trade 100,000 yuan, 1,000 yuan per month profit, or investment ** and other forms.
In conclusion, if ordinary people have spare money ready to deposit in the bank, they can try to use the above methods to get more interest. Do you want to know any other good ways to manage your money? Please leave a message in the comment section and we will discuss together.