Kunpeng Project
Rich and still sticking to the regular term? Bank friends remind when the deposit exceeds 200,000 yuan
We're going to share a little tip about the financial side of things, especially if you have a lot of cash for your friends, but they are still honest about saving. Now, I'm going to reveal to you a little secret about the bank: a big deposit slip.
You see, there will always be moments in life when we feel like we've saved some money and become a little rich overnight. With so much money, his first thought was probably to save it as soon as possible. That's right, it's in the bank. However, don't rush to the bank just yet, especially if you have more than 200,000 yuan in savings, then you have to think carefully about how to save money.
First, let's talk about regular savings. yes, year after year, that's a nice name. But then again, it's a real interest. Let's put it bluntly, it's heart-wrenching. The money you have saved so hard will not end up with the same interest rate as a good mobile phone?
But don't be in a hurry, I'm going to tell you the secret to raising interest rates on your savings: fixed deposits. These two words alone make people feel majestic. This is indeed not something that ordinary people can do. First, you must have 200,000 or more in savings. Yes, that's the tipping point. But don't be blinded by this hurdle, as you can cross it and you'll see a whole new world.
The first is about interest. We all know that the interest on current savings is like this. However, the interest rate on large certificates of deposit is different, and the interest rate is generally higher than that of the fixed term of the same period. Some banks have large deposits with interest rates of up to four percent. Just think about it. In the current era of low interest rates, it is already a very cost-effective thing to have such a high interest rate.
Let's talk about resiliency. Do you think that if you deposit too much, you can't do anything? Not. In some banks, you can get a sum of money every month, which is equivalent to paying employees a salary. Having an "extra income" coming into your account every month will not only make you more money, but also improve your cash flow. If you want to buy something, you don't need to use the capital anymore, you only need to pay interest.
And, if you have a lot of money in your account, you can talk to the bank and ask them to give you a higher interest rate. That's right, it's you, and now you're our honored guest. In order to win over important customers like you, major banks will generally give you more discounts. In response to the saying: "Money can give birth to ghosts", and the same is true in the financial world.
Overall, deposits are a financial product that strikes a good balance between security and return. Not only will this keep your money safe, but your income will also be higher than your average savings. So, if you have a lot of savings, don't just put your money on demand deposits. Hurry up to your bank to make a large deposit, and maybe you will get your "salary" next month.
You know, it's not exclusive to the rich, so it's wise to learn more about finance, find a set of appropriate methods, and use every little money for yourself. In the infinite possibilities of the future, we wish you all to find a financial path that suits you and make our lives more exciting.