Since the public health crisis, many people have realized the importance of saving money, and even some young people who don't like to save money are now actively saving money. Because of this, in recent years, China's deposit rate has been greatly improved. According to statistics, as of the end of last year, the deposits of Chinese residents increased by 1667 trillion yuan.
Under normal circumstances, Chinese residents will deposit their funds in the bank on a regular basis, on the one hand, to ensure the safety of the principal, and on the other hand, to obtain relatively high interest income stably. But you know what? Some insiders revealed that there are 2 ways to deposit money, which are safer than depositing in the bank on a regular basis, and it is possible to get more returns. So, what exactly do these 2 ways to save money refer to? Let's take a look.
1. Treasury bonds. Some people may not know about treasury bonds, but in fact, treasury bonds are also a product that can guarantee principal and interest. In essence, the treasury bond is actually a kind of bond issued by the state, that is, the credit of the state is used as a guarantee, and then borrowing money from the people.
In addition, under normal circumstances, the treasury bonds purchased by individuals are savings treasury bonds, which are mainly divided into certificate type and electronic type. First of all, the bank will give a paper certificate similar to a deposit certificate, and the purchase can only be done at the bank's business outlets. Electronic treasury bonds, on the other hand, need to be purchased through mobile banking or online banking, which is relatively more convenient.
The second is the issuance time of treasury bonds, which is usually issued from March to October on the 10th of each year. It is worth noting that because treasury bonds are relatively sought-after, they are sold short every time they are just issued, so people who want to buy treasury bonds need to pay attention to the relevant information of treasury bonds in advance and then snap up them in time.
In addition, the minimum purchase threshold for treasury bonds is 100 yuan, the term is generally three years and five years, and the interest rates are respectively. 75%, you can buy according to your own needs. In addition, treasury bonds are also allowed to be withdrawn in advance, and the interest is also calculated according to the upper grade, which can reduce interest losses. Finally, according to relevant information, there are currently nearly 40 banks in China that can purchase treasury bonds, and the common ones are the six major state-owned banks in China.
2. Reverse repurchase of treasury bonds.
The reverse repurchase of treasury bonds, just look at the name, you know that it has something to do with treasury bonds. Indeed, there is a certain relationship between the two. The so-called reverse repurchase of treasury bonds is actually a kind of lending and financing behavior that uses treasury bonds as collateral. In other words, a business needs to borrow money, mortgage the treasury bonds to you, you lend the money to the company, and then wait until the agreed time is up to repay the principal and interest.
There may be concerns that the business will not be able to return the principal and interest on time after maturity. In fact, even if this happens, there is no need to worry, because the ** company will advance the money to you first, and then the ** company will recover the national debt, after all, the national debt will not default, and it can be redeemed when it expires. Therefore, there is no need to worry too much about the safety of reverse repo of treasury bonds.
Moreover, the minimum purchase threshold for reverse repurchase of treasury bonds is 1,000 yuan, and the term is relatively short, with the common ones being 1 day, 3 days, 7 days, etc. You can buy according to your needs. More importantly, the yield on reverse repo of treasury bonds has been declining, although it is usually at 2% and 3%, and it can increase several times during special holidays.
Of course, in addition to treasury bonds and treasury bond reverse repo, there are many ways to save money suitable for ordinary people. For example, currencies**, bonds, etc.; Or under the support of the policy, the new model derived from the concept of sharing and co-construction, such as foreign trade economic consignment, 30-day cycle 1% profit, etc., reasonable allocation, the interest rate obtained is much higher than that of the deposit.
In short, although bank term is the way to save money, when the deposit rate is downhill, it is not cost-effective to blindly keep money in the bank for a fixed term, but you should choose a channel that is more suitable for you according to the situation to achieve better wealth growth. However, you should not overestimate your investment and financial management ability and risk tolerance to avoid losing your money.