February** Dynamic Incentive Plan Just after the New Year, a friend asked Dora, how can I buy a new type of bank deposit of 4%?
At present, the interest rates of the six major banks have entered the 1 era, and the one-year fixed deposit is only 155%, the insurance industry has also brought about major changes in the industry due to the integration of newspapers and banks, and the income of wealth management products in the future is not optimistic.
In such a grim situation, it is really rare that there are still bank deposits with a yield of 4%!
Without further ado, let's go straight to the reveal.
This new type of bank deposit is actually a specific pension savings led by the state.
In some cities, such as Guangzhou and Chengdu, the interest rate on the whole deposit is up to 4%, which is so fragrant!
You must know that the current 5-year fixed deposit is only 2%, and the large certificate of deposit is only 255%, it can be said that it was pressed to the ground and rubbed hard.
Its access methods are also very flexible, and you can choose to deposit and withdraw as a whole, deposit and withdraw as a whole, and deposit and withdraw as a whole.
And you can save for 5 years, 10 years, or even 15 years, 20 years!
A friend is about to ask, why is there no bank staff to recommend such a good product to me?
Here are the shortcomings.
Although the yield of specific retirement savings is high, it also has a lot of limitations.
Age limit: 35 years old and above.
Limited cities: Hefei, Guangzhou, Chengdu, Xi'an and Qingdao can only be bought.
Limited banks: At present, only the four major banks of the workers and peasants are limited in issuance.
Limit: 500,000 per person per bank.
It is estimated that by the time we know the news, the quota has been snatched up.
In addition, this money must be withdrawn at least after the age of 55 to get such a high interest rate, and only the first 5 years can enjoy a high interest rate of 4%, and it will be affected by the decline in interest rates later.
In other words, even if you save for 20 years, you can't lock in the interest rate for the next 15 years.
On the whole, this new type of bank deposit is more suitable for friends over 50 years old to buy.
And how can young people under the age of 50 get a high interest rate of 4%?
Is there a better option to lock in long-term gains?
Absolutely. I'm going to give you Amway today:
The two methods of lying flat and saving money, which are recommended by banks, used by wealthy people, and grabbed by middle-class people, can exceed 4% or even 6% in annualized simple interest, and are the only long-term investment products in the industry that are recognized as not affected by the investment environment.
It locks in the interest rate for life, and no matter whether it is good or bad in the future, the income will only go up and not down!
There is an insurance law and the State Financial Authority, and the security is the same as that of national bonds, and you can eat the interest for a lifetime!
Next, let's look directly at the real data.
Lying flat to save money method one:
The 30-year-old lady saves 200,000 yuan every year for 5 years, with a total principal of 1 million.
You don't have to wait until you are 55 years old, from the age of 40, the young lady can get about 38%, nearly 4% interest, 37560 1000000 38%
When you retire at the age of 55, you can receive a total of 600,000 yuan;
When you are 80 years old, you can receive a total of about 1.54 million, and there is still 112 money in the account at this time470,000, with a total income of 266470,000, the principal increased by 266 times.
Annualized 38% interest, properly eat for a lifetime!
What the? The yield is still not high enough to reach 4%?
Then let's see if the income can exceed 6%.
Lying flat and saving money method two:
is still a 30-year-old young lady, this time she chose to deposit 1 million at one time, and at the age of 55, the ** in the account reached 20390,000, the principal has doubled;
If you don't get it, you can get a total of 426 when you are 80 years old90,000, with an annualized simple interest of up to 654%, the principal directly doubled by 4More than 2 times!
When you want to use money halfway, you can receive part of the cash value through the insurance reduction, and the cash value that has not been withdrawn can continue to roll over in the account and eat the interest for a lifetime.
The money on the account, from the moment the young lady took out the insurance, was written in black and white into the contract, what you see is what you get, and no one is indispensable, and it is protected by the Insurance Law and the HKMA, which is safe, stable and guaranteed!
Although the above two methods of lying flat and saving money have high stable returns, it is also necessary to pay attention to the fact that the money invested must not be used within 5 years.
If you surrender the policy after just a few years of investment, there will be a risk of losing the principal in the early stage.
If you surrender the policy after just a few years of investment, there will be a risk of losing the principal in the early stage.
If you surrender the policy after just a few years of investment, there will be a risk of losing the principal in the early stage.
Tell the important thing three times.