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Three-year fixed deposit: 120,000 vs 10,000 per month, is the interest equal.
Many people have the habit of saving money in the bank, but everyone saves in a different way. For example, some people want to save a large sum of money and put it into a deposit account all at once. Some people, even if they have a lot of cash, will spread their money in different places. So which of the two ways to save is better?
For example, if you have 120,000 yuan and you turn it into three years, or divide it into 12 parts, each of which becomes three years, and you get the same interest? How do depositors choose the more affordable ones? Submit!
Benefits are one thing?
In this case, depositors want the same interest rate, a different interest rate, and a different interest rate.
Take the first example, you can put 120,000 yuan into a three-year fixed deposit at a time, and the interest is 25%。The latter is divided into 12 parts of 10,000 yuan, the same with 2The 5% interest is deposited for a 3-year fixed deposit. At this time, the interest on the front and back is the same.
However, if the bank wishes to change the way it saves, for example, if there are 6 three-year fixed deposits, the interest rate is 25%。Another six people went to other banks to make deposits, and the new three-year fixed deposit rate is 28%。In that case, the interest rate at the front and back will be different.
How to choose is the most economical.
12 times 10,000 deposit method for 3 years, depositors have a lot of freedom, you can divide this fund into 12 banks for 3 years, you can also deposit at different times, or you can deposit on the 1st of each month from January to December.
But the downside is also obvious, although it is true freedom, it is also troublesome. Even if you don't use a bank and transfer money directly through mobile banking, there will be a large number of deposits and withdrawals, which is much more complicated than putting 120,000 yuan in the bank.
But the advantages of this are obvious.
From a safety point of view, if 120,000 yuan is put together, in general, the risk is still very large. Dividing the funds into 12 tranches and spreading them across different banks can greatly reduce this risk.
In terms of income, depositors can also deposit this money in national banks to ensure their own security, and some of the money in small and medium-sized banks with low interest rates to earn high interest.
From the perspective of funds, if a depositor deposits his 10,000 yuan into a three-year fixed deposit within three months, he can achieve a three-month fixed savings. At the end of the term, it can also be rolled over to 3 years, and so on. The purpose of this is to ensure that depositors have 10,000 dollars available within three months, thus ensuring continuous cash flow.
Maybe you will say, what if you need money urgently, but you happen to not have enough cash? At this time, you can take out a part of the newly redeposited funds, the term of the redeposit at this time is less than three months, and the loss of interest is less than three months, compared to the one-time deposit of 120,000 three-year payment, which is urgently needed after three years, and it is better to take out 10,000 yuan and lose more than two years of interest.
How to choose? However, this does not mean that there are no advantages to turning 12 W yuan into a 3-year fixed deposit method. This way of saving money is relatively more convenient, easier to keep, and easier to save for those savings that are very demanding and have high interest rates, and there is not much burden on memory.
Therefore, in the above two deposit methods, if you have more freedom, while taking into account various factors such as security, profitability and liquidity, you can divide the deposit into 12 parts, each of which is 10 shares, and deposit after 3 years. However, if you are troublesome, have poor memory, etc., it is best to deposit 120,000 yuan in a three-year period.
The latter, in the case of uncertainty about whether there is a liquidity problem, can also be managed through a three-year savings treasury bond, and early withdrawal is similar to calculating interest on a file basis. You can also take advantage of some international trends, ** sales, 100,000 yuan a month profit of 1,000 yuan. If the demand for liquidity is high, it can be managed through small amounts of funds through banks.
In short, the deposit method of the two deposit methods can be the same or different, depending entirely on the depositor's business style. It depends on the needs of depositors, which is more in line with their own needs, and which is more in line with their own needs.