During the Chinese New Year, although many people spend a lot of money because of the purchase of New Year's goods, the payment of New Year's money, and the filial piety to their elders, there are also some people who will earn a lot of money around the New Year, such as some businessmen. In order to make money better with this money, some people will try to keep it in a bank deposit.Some people want to know, if there is 100,000 yuan, how to save it to maintain its value? Is it better to choose the Agricultural Bank of China or the Rural Credit Cooperative? Here comes the answer
Security
In fact, the Agricultural Bank of China is the Agricultural Bank of China, which is one of the state-owned banks in China. Rural credit cooperatives are some local rural credit cooperatives, which are relatively small in scale, and there have been cases of bankruptcy of individual rural credit cooperatives before.
At first glance, the safety of the Agricultural Bank of China is higher than that of the Rural Credit Cooperative, and it should be deposited in the Agricultural Bank. In fact, if it is only 100,000 yuan, the deposit of rural credit cooperatives is also very safe. Because of our state-owned deposit insurance system, after the bankruptcy of the insured bank, each person has 500,000 yuan of principal and interest and the upper limit of compensation. 100,000 yuan is far less than the upper limit, as long as you can ensure that the selected rural credit cooperatives have deposit insurance logos, you can rest assured that you can deposit.
Profitability
If you want to get more interest, you can deposit the money in the rural credit cooperative. This is because ABC, as a state-owned bank, tends to have lower interest rates. However, because the comprehensive strength of the rural credit cooperatives is not as good as that of the big banks, the brand is not loud enough, in order to better attract savings, they often offer more attractive deposit interest rates, which can allow depositors to get more interest income.
Convenience
From the perspective of convenience, whether there are rural credit cooperatives or agricultural banks depends on the specific needs of depositors.
Some people usually have a large range of activities and may travel in many provinces and cities, so in order to ensure that there is money available for emergency use in each place, you can go to the Agricultural Bank of China, because there are more bank outlets of the Agricultural Bank of China, and there are more ATMs, if you choose a bank card as a medium, you can also easily use mobile banking to manage funds.
Some people's range of activities is not so large, and they are more inclined to go directly to bank outlets to handle business, such as some elderly people with inconvenient legs and feet. For some elderly people, it depends on whether the outlets of the Agricultural Bank of China are closer to them or the rural credit cooperatives are closer, and it will be more convenient to choose nearby.
How to store and maintain value
So when you have 100,000 yuan of spare money, if you want to maintain your value, how to save it?
In view of the current situation that the deposit interest rate is relatively low and the capital guaranteed wealth management has withdrawn from the market, it is advisable to divide the funds into several parts, some of which are still managed by bank deposits, but try to choose a bank with a higher interest rate to deposit. For some funds, you can use some other stable ways to manage, such as savings bonds, some emerging models under the support of policies, such as foreign trade economic consignment, 100,000 yuan per month, etc., can also achieve stable appreciation of wealth.
To sum up, if you want to deposit 100,000 yuan in the bank, you can deposit it in the rural credit cooperatives if you value profitability, and you can choose whether there is a business trip or other needs if you value convenience. If you want to preserve the value of the funds, you can store part of the funds in the rural credit cooperatives, and increase the value of the remaining funds with the help of some other methods, or you can increase the average rate of return.