It's 2021, still stupid to save for a fixed term? These 3 deposit methods have higher interest rates

A sudden epidemic at the end of 2019 made more people realize the sense of crisis of not having a deposit, and the epidemic spread to the whole country in a short time. During the epidemic, including after the epidemic was under control, people with money in their hands are relatively better, but those who do not have money in their hands and the urgent need for capital flow of the enterprise are struggling to hold on, The importance of depositing money in this moment is particularly important.

China's economy has seen a lot of bubbles in recent years, and many people and businesses have gotten used to the idea of overspending on their future, and spending money in advance. After this epidemic after the bank data survey to see the people of the country's total deposits of more than 600 million, from friends and relatives around the chat can be felt more people began to strive to deposit, then how to deposit the way to maximize the return is a matter of concern.

No matter what kind of deposit method depositors first care about the safety of the funds , the money deposited into the safety of no problem before considering the interest income, so when the market investment products are a wide range of people deposit the first thought of the bank, even if it is an investment product is preferred to the internal products of the bank, said that the bank deposit is known as the "bank", but the bank is not the "bank", the "bank", "bank", "bank", "bank", "bank", "bank". The bank deposits are familiar with the regular and demand.

Demand deposits are not a concern because of the low interest rates, time deposits have 3, 6 months and a few years, different deposit periods enjoy different interest rates, the longer the period can get better interest returns . However, there is a risk that if you choose a 3-year term, you will need the money in case of an emergency in less than 3 years, then the loss of interest will be unavoidable.

With the speed of social and economic development, banks are also constantly competing with new Internet platforms, so that the mode of deposit in the environment is not only the traditional fixed-term call, on the contrary, banks continue to derive some other new types of deposits. So in 2021 under the new policy, do you still stay in the traditional fixed-term ? Come and learn about these three deposit methods!

Large certificates of deposit and large deposits in the definition and categorization are classified in the fixed-term deposits, they are relatively higher thresholds, the two deposit modes together to understand can clearly see the difference and more flexible options.

The threshold for large certificates of deposit is relatively high, and individuals who want to buy large certificates of deposit should have no less than 200,000 dollars on hand, and enterprises need 10 million, but it also has its advantages under the high threshold, large certificates of deposit can be transferred before maturity, and there is a great deal of flexibility in the process of using them. Large certificates of deposit have higher interest rates than time deposits.

Large deposits, as the name implies, are larger deposits, and the starting point for the amount of deposits is different for each bank, with some banks starting at 50,000 yuan and some at 100,000 yuan. The first thing you need to do is to get your hands on some of the most popular products and services in the world, and then you can get your hands on some of the most popular products and services in the world.

There is also a difference in interest rates between a large depository and a large depository, the interest rate of a large depository cannot be changed at will, however, the interest rate of a large depository is relatively more flexible. around 3.25%.

That is to say, if you have 300,000 deposits in the bank to buy into a large certificate of deposit, then 3 years of interest will have 29,250 yuan, the higher the principal amount of interest earnings more . The choice between large certificates of deposit and large deposits is simple, as long as you reach the starting deposit of 200,000, then choose large certificates of deposit in the interest rate is more cost-effective than large deposits, if the principal amount on hand is not so much, then choose large deposits.

Large certificates of deposit were officially launched in 2015, and in the years since they were launched they have also become popular with banks and investment bankers. If you have more than 200,000 dollars in your hand, then large certificates of deposit can be put in your consideration, according to their own financial ability to understand the interest rates and interest-bearing methods of large certificates of deposit of each bank, choose the most suitable for their own way of paying interest to do the most with the funds.

The national debt is simply a matter of lending your money to the state, and the state will pay you back with a debt of gratitude. Treasury bonds are government bonds issued by the state with a credit guarantee, because of the stability and security of the issuer of treasury bonds, so the purchase of treasury bonds is sought after by many people, the purchase of treasury bonds is a very stable way of financial management.

There are three forms of treasury bonds: bearer, savings, and book-entry, and the bearer is an early form of purchase. However, now the mainstream purchase is the savings type, savings type is divided into two types of vouchers and electronic type, vouchers to be handled in the bank outlets to buy, while the electronic type can not only be handled in the bank outlets can be handled in the cell phone net banking or related APP for. With the popularization and improvement of the Internet platform , buying treasury bonds is no longer as difficult as it seems.

The interest rate on savings bonds is relatively high among several types of bonds and is also very popular. According to the interest rate of savings bonds issued in 2020, savings bonds are divided into three-year and five-year terms, with a 3.85% interest rate for three years and a 3.97% interest rate for five years. The issuance of savings bonds will be different every year, many times there will be a phenomenon of demand exceeding supply, many people to the issuance of long queues in the bank to buy treasury bonds scene is not uncommon.

According to the official website of the Ministry of Finance, it is known that the first and second phase of the savings bonds in 2021 were officially put on sale on April 10, and investors who want to buy them can consult with and buy them through the relevant banks. This year's savings bonds were issued at the lowest interest rates in the last five years, with the 3-year rate at 3.8% and the 5-year rate at 3.97%, such an adjustment is consistent with the decline in bank lending rates over the last two years at one level.

Structured deposits are not the same as regular deposits or financial products, they combine both . A simple understanding is that the bank has taken your deposit in two steps, the first is the interest generated by the principal you deposited as a fixed income, and the second is to use your interest on this principal to invest in one or more options to earn more income, where the options can be interest rates, gold, exchange rates, credit indices and other financial products.

Structured deposits are an innovative way of financial management, two parts of the proceeds of the principal is highly guaranteed, that is, the bank can give you a guarantee, and the other part of the investment income, although to bear a certain amount of risk, but only to earn more than to earn a small amount of money, from the overall point of view of the proceeds of the higher than the income of the fixed deposits. Structured deposits can only be withdrawn on maturity, while time deposits can be withdrawn in advance only to lose the corresponding interest earnings.

Structured deposits have a certain risk , but compared to those high-risk financial products security is much better, after all, it is the principal bank can give you a guarantee. In the choice of structured deposits of financial methods, we should clearly know how much money is the deposit principal, clear this point we can grasp our capital preservation.

Secondly, we need to be clear about how much other money is invested in where, specifically invested in which products, clear this point we can grasp the risk of investment in how much, the risk of the benefit point can be to how much . The risk of structured deposits comes from investing in products that are linked to a number of factors, so there's a lot of variability.

For example, we can always see the speculation in the stock market, in the stock market's rapidly changing own environment can imagine the curve of change behind. But structured deposits will not let you bear so much risk , because you are not alone to buy to choose, but in the bank's assessment and screening for you to choose, so that to some extent greatly reduces the risk, is very suitable for those who want to break through the traditional deposit base slowly exposed to a number of other products, the risk of bearing do not have a lot of investors on the good.

Structured deposits have a high degree of security, low risk features, suitable for some conservative investors to invest. Of course, in the choice of this innovative deposit method at the same time also need to learn to understand some of the relevant mode, process, income risk ratio, more learning financial knowledge and investment in derivatives, because the deposit in this is relatively well understood, the difficulty is difficult in the investment in derivatives.

In the new era, our financial thinking also needs to keep pace with the times, the economy and culture need to be innovative, in fact, we also need to constantly innovate, think and act with innovative thinking and can not always be traditional concepts to look at new things . Within the limits of your current capabilities, a little adventure and experimentation may bring you a different kind of harvest.

Regardless of the traditional deposit methods or new deposit methods, everyone's economic conditions and financial management will be different, as long as they are based on their own ideas and acceptance of the right choice at the right time, just like choosing a man or woman friend, the economic conditions of the solid is not necessarily and his or her own, good-looking and good figure is not necessarily their own to see. The first thing you need to do is to get your money's worth out of your pocket and start investing in the right way.

Who can't predict which one of tomorrow's accidents will come first, the arrival of natural disasters and emergencies can't be controlled by anyone, an epidemic that makes us reflect y on our respective living standards and economic conditions, the face of the epidemic a long time can't go back to work and normal work, many people in the absence of a deposit in the case of scrimping on the allocation of , even The first thing you need to do is to get your hands on a new pair of shoes and a new pair of shoes to wear.

In today's society, money is king, the so-called sense of security is money, their cards have money than who give you a sense of security are realistic. You have the money to learn more about these deposit methods and financial investment, so that their money more than one income to do money, no money you do not need to rush, step by step efforts to accumulate power, believe that there will be a day when you will have your own deposit list .