Old yellow calendar 5.8
20 12 a friend had a similar situation. 20 1 1, he completed a three-year time deposit in the bank. At that time, 6,543,800 yuan was put in a time deposit at one time, thinking that the interest was not bad after three years, so I didn't care.
But 20 12 is in urgent need of a sum of money in business, and the loan method will not work because of the loan itself. Borrowing money from friends, even if others don't want interest, will feel indebted, so don't borrow money from friends. He also thought of transferring this time deposit to others, and then reducing some interest losses in the middle. But after questioning, the transfer method is not feasible. After all, 6,543,800 yuan has a fixed term of more than one year, and its liquidity is very limited.
So I finally decided to take out the default of time deposit first, and then take it for emergency.
654.38+ 10,000 yuan is deposited in the bank, with high interest and long term, which is not necessarily cost-effective. The most important thing is rationality. In my opinion, 654.38 million yuan can be deposited in the bank several times, which can effectively improve the success rate of time deposits.
Banks have "certificates of deposit", with high annualized interest rate and good liquidity, but they need threshold funds of 200,000 to 300,000 yuan. The bank time deposit is less than 200 thousand, which is basically the same level. Therefore, we divide 6,543,800 yuan into several parts, and enjoy the annualized interest rate. It is reasonable to deposit 50 thousand yuan for three years. Although the annualized rate of return of three-year time deposit is lower than that of large deposit certificate, it can also reach the range of 3.5%-4.5%, so you can find some town banks with high annualized rate of return.
Then 40,000 yuan will be used for low-risk financial management with different maturities. The risk of medium and low risk level is very low, and there is no principal risk. In addition, there are short-term, medium-term and long-term distributions with different fixed periods. Even in an emergency, short-term funds can be used in an emergency, effectively improving the success rate of financial management.
Finally, 1 1,000 yuan is divided into two parts. 5000 yuan can be invested in some index funds in the bank, which can expand the income when the market is good, and the corresponding risk is low when the market is bad. Put another 5,000 yuan in the money fund to effectively improve the liquidity of funds.
In this way, the comprehensive annualized rate of return can reach between 3% and 6%, which can effectively improve the success rate.
Hello, my friend, RMB 6,543,800+is deposited in the bank, which is obviously not enough for large deposit certificates, and they are all deposited on a regular basis. In case of spending money, it is prone to losses. Therefore, it is suggested to optimize the screening products and combine investment and financial management, which will not only be safe and secure, but also greatly improve the income and meet more needs.
First of all, under the condition of ensuring safety, optimize the screening of high-yield products.
As shown in the above figure, in Beijing, the actual deposit interest rate of ordinary time deposits of banks.
It is very different from the certificate of deposit.
654.38+100000 yuan can't deposit large deposit certificates, and the interest rate concessions are limited. Therefore, screening products is particularly important. National debt, a national credit, is extremely safe. coupon rate has made it ahead of schedule, and the three-year term is as high as 4%, which is basically the same as the purchase price of commercial banks' certificates of deposit of 200,000 yuan. 654.38+ 10,000 yuan, you can enjoy higher interest rates and be safe and worry-free.
Moreover, electronic savings is a national debt, and there is another advantage, paying interest on an annual basis. The income is more convenient and flexible to arrange or reinvest, deposit and save, and obtain higher comprehensive income.
Summary: 654.38+10,000 yuan, if it is idle for a long time, it is cost-effective to buy government bonds and save them.
Secondly, we should not only ensure safety and obtain good returns, but also consider liquidity, portfolio investment and properly allocate products with zero life, which can greatly prevent the losses caused by early withdrawal and make the whole wealth management deposit more stable and cost-effective.
65438+100000 withdrawal1~ 20000 ladder smart deposit deposited in the bank can be withdrawn at any time, and it is unnecessary. The longer the continuous deposit time, the higher the interest rate, which can be said to be well prepared, which also makes the whole deposit management more secure and disperses the capital risk.
Summary: Small groups play a big role. Portfolio investment, risk diversification, multiple guarantees and the highest cost performance.
Finally, make a summary analysis:
6,543,800 yuan, even if the investment is concentrated, the interest is limited. Therefore, optimizing products not only ensures safety, but also greatly improves profitability, flexibility and risk dispersion, which can be described as killing two birds with one stone.
However, by optimizing the combination configuration, the whole financial management will be more stable and enjoy more protection.
How to deposit 65438+ ten thousand yuan in the bank is the most cost-effective? I think it is better to put it in other words, how to deposit 65438+ 10,000 yuan in the bank?
Why do you ask?
This mainly depends on the nature of your 6.5438+10,000 yuan. Whether you will use this money in the future, whether it is all your savings or just a part of your family's cash flow, the situation is different without different circumstances. If you say that this 6,543,800 yuan is not needed in a short time, but may be used at some time in the future, then the deposit period must be short and you should not care too much about interest. You know, when there is no money, the interest borrowed from outside is very high. In order to take such precautions, the term of general deposits should not exceed one year at the longest, including 50,000 for half a year and 50,000 for 654.38+0 years, so it is unnecessary.
If you are sure that the 654.38 million yuan will not be used for a long time, then I think the term is three years and five years. At this time, you should pursue the efficiency of interest. You can find some private banks, and the interest on time deposits is generally higher. For you, this unused money can maximize your income.
There is another situation. This 6,543,800 yuan is all your savings, which is actually equivalent to life-saving money. You can't take this money to take risks. Deposit is the most ideal and safest state. And this 6,543,800 yuan is one tenth of your assets, so you can take some risks appropriately. With this money, the income is much higher than the deposit. Participating in index funds is a good choice.
To sum up, different situations determine your attitude towards the money, and different situations should be handled differently.
There are 65438+ ten thousand yuan of spare money in the bank. Generally speaking, it must be which bank has a high interest rate, because no matter which bank exists, there are 654.38 million yuan of funds covered by the deposit insurance fund. Even if the bank goes bankrupt, it will not cause a penny loss to its deposits. So the rest is to choose the bank deposit with the corresponding deposit period according to the idle time of funds. Let's discuss which bank is the most cost-effective according to the idle time of 6,543,800 yuan.
If you don't consider using this 654.38 million yuan in five years, it is suggested that the annual interest rate of the five-year time deposit deposited in Yingkou Coastal Bank is as high as 5.8%. This deposit product has the highest deposit interest rate among all banks at present, and the annual interest income of 654.38+10,000 yuan is 5,800 yuan, which is very cost-effective.
If you don't need to use this 65.438+million yuan in three to five years, it is recommended to deposit it in Yilian Zhicun (Litianli Summer Deposit) of Yilian Bank. After three years, this bank deposit can earn an interest rate of 5.42%, and the annual interest income of 6,543,800 yuan is 5,420 yuan. After four years, you can earn 5.55% interest rate and deposit 654.38.
If you don't plan to use this 654.38+million yuan within three years, it is very suitable to deposit the funds into a bank deposit product with high cost performance-Blue Baby of Blue Ocean Bank. The product is designed as a five-year deposit with a maximum interest rate of 5%, but the interest rate can be calculated according to the holding time, and the interest rate of each gradient is quite high. The deposit interest rate is 1 to 4.7% for three years, 4.5% for six months to 1 year, 4.2% for three months to six months, and the duration is 3.7%, which is quite cost-effective and very suitable for the uncertain situation when funds need to be used, because the longer the deposit time, the higher the interest rate!
The most cost-effective way to deposit RMB 654.38+10,000 into the bank should be the way of safe principal, strong capital flow and high deposit interest. According to your deposit requirements, the following two ways are the most cost-effective.
The first deposit method: smart deposit.
Smart deposits are initiated by private banks. Smart deposits are the comprehensive advantages of major deposits such as demand deposits, time deposits and certificates of deposit. With the advantages of safe capital, strong liquidity and very high deposit interest rate, it is the most cost-effective deposit interest rate among all banks at present.
As shown above, this is a smart deposit issued by a private bank, with a monthly interest rate of 4.0% for/kloc-0, 4.30% for 3 months, 4.40% for 6 months, and 4.50% for deposits over 1 year. Smart deposits naturally mean that the higher the interest rate, the better. Smart deposit of 654.38+ 10,000 yuan, more than 4,500 yuan per year, is the most cost-effective bank deposit at present.
The second deposit method: short-term deposit
In order to alleviate the short-term financial pressure of banks, banks generally issue short-term deposits. For example, at the end of the year, the end of the season, the end of the month and other special circumstances, the interest rate of short-term deposits issued by banks is very high, and the interest rate of short-term deposits is very high and the liquidity is very high. This method is the most cost-effective.
As shown above, this is the deposit interest rate of a private bank in China, and the major deposit interest rates are relatively high. In terms of deposit interest rate, the central bank rose by 25% year-on-year, and the short-term deposit interest rate rose by more than 100%. The interest rate of three-month time deposit reaches 3. 135%, and the interest rate of six-month time deposit is 3.355% and 65438. According to the deposit interest rate of this private bank, the deposit of 65,438+10,000 yuan in this bank is at least between 3 100 yuan and 3,600 yuan every year.
I think it is the most cost-effective to deposit 654.38+10,000 yuan of short-term deposits in private banks, and the interest is not low, and the liquidity of funds is also very strong, so I can't get it out when I need money urgently.
In short, how to deposit 65438+ 10,000 yuan in the bank is the most cost-effective. I think it is the most cost-effective to choose a deposit model that suits you. Everyone's financial situation is different, and the degree of cost performance is definitely different. But I personally think that the above two kinds of deposits are both popular and cost-effective.
Divide 6,543,800 yuan into five pieces, each with 20,000 yuan. 1 Zhang Baocun 1 year, and transfer for 4 years after expiration; 1 Keep it for 2 years, and transfer it for 3 years after expiration; 1 Zhang Cun will be transferred for 2 years after the expiration of 3 years; 1 stored for 4 years, and transferred to 1 year after expiration; 1 Store for 5 years, and expire together after 5 years.
In this way, it will expire 20,000 yuan a year in case of emergency, and the interest will not be lost.
First of all, I really envy you that you still have a deposit of 654.38 million yuan. It's really the greed of some moonlight people. 65438+ ten thousand yuan was deposited in the bank. It can be considered from three aspects: different banks, different products and different deadlines. Let's take a look at it in detail.
Generally speaking, we can be divided into three situations: demand, fixed term and withdrawal at any time.
Demand: Demand deposit is the pocket money status of most of us before the emergence of Yu 'ebao. We put the money in the bank card and withdraw it at any time. There is basically no interest on demand deposits, only 0.35%. That is to say, the interest of 654.38+100000 yuan is only in 350 yuan, which is really low.
Term: There are many kinds of bank term products, the most common one is bank deposit, which is divided into three months, six months, one year, two years, three years and five years. The years of different banks are basically the same, but the interest rates are very different.
State-owned banks are the most willful, and basically interest is calculated according to the national basic interest rate. Let's take a five-year deposit as an example. The interest rate is 2.75%, calculated as 654.38+ten thousand yuan, and the annual income is 2750 yuan.
The interest rate of commercial banks is higher than that of state-owned banks, and the interest rate is around 3%. For example, CITIC Bank, with a three-year interest rate of 3%, will earn 3,000 yuan a year.
The yield of local banks is higher and the five-year interest rate can reach 4.5%. If the principal is 6,543,800 yuan, you can get 4,500 yuan every year.
On the financial platform, there are also some private banks whose deposit interest rate can reach 5%, and some are still in the mode of annual interest. If such a bank exists, it can earn 5,000 yuan a year.
Withdrawal at any time: I put the fund products here in a unified way. If the income of money fund products such as Yu 'ebao is at the level of 2.5%, the fund products have no fixed income, and the income needs to be finally determined according to different investments.
To sum up, to be on the safe side, I think we can choose the three-year deposit products of commercial banks, so the income level is about 3000 yuan. If you can take risks, you can choose a local bank, and the income can reach 4500 yuan or fund products. The income is determined according to the results of fund investment.
How to save 65438+ 10,000 yuan is the most cost-effective? On the one hand, you should consider profitability, on the other hand, you should consider liquidity, and then choose the appropriate deposit products according to your actual situation.
At present, there are more than 4,000 banks and more than 200,000 bank outlets in China. The deposit interest rates given by different banks or even the outlets of the same bank in different cities are different. When you deposit in a bank, the interest you get at different time periods is also different. If you just want to get higher deposit interest, you can refer to the following suggestions, regardless of the flow.
First, choose the right deposit bank.
Under normal circumstances, some small banks offer much higher deposit interest rates than big banks. For example, the highest interest rates in the market are rural credit cooperatives, rural commercial banks and some private banks. The deposit interest rate of these banks is generally 0.5~ 1 point higher than that of big banks, which is equivalent to 1 10,000 yuan, and they can get interest from 500 yuan to 1000 yuan every year.
Second, choose the appropriate deposit term.
When you deposit money in the bank, there are many terms to choose from, including current account, three months, half a year, one year, two years, three years, five years and so on. The deposit rates offered by banks with different maturities are different. Generally speaking, the longer the deposit term, the higher the corresponding deposit interest rate, especially those small banks. For example, in some small banks at present, if you deposit 654.38+million yuan at one time for more than five years, you can basically get an interest rate of more than 5%, while they may only give an interest rate of 4% for three years.
But for most big banks, their three-year and five-year deposit interest rates are actually similar, which is mainly related to the FTP assessment mechanism adopted by these big banks.
Therefore, if you want to get higher deposit interest, you may wish to consider depositing a longer-term deposit in those small banks, such as a five-year fixed deposit.
Third, choose the right time.
There are 12 months in a year, and the deposit interest rate given by the bank may be different in different months. The specific interest rate can have a lot to do with the tightness of bank funds. Generally, when banks are short of funds, they can give higher interest rates. Every June and 65438+February, banks generally face the most stringent assessment. At this time, in order to cope with the assessment, major banks will raise the deposit interest rate to absorb users' deposits. Therefore, if you want to get higher deposit interest, you can choose 65438+February or June deposit.
At present, many users go to the bank to deposit money, and unilaterally look at the deposit interest. Which bank gives high interest and which period gives high interest, choose which one. However, in the process of deposit, we should not blindly pursue high returns, but also take into account the liquidity of deposits.
If you can use this deposit at any time in the future, I don't recommend you to deposit those time deposits, because at present, most bank time deposits are very inflexible and cannot be withdrawn in advance during the deposit period. If it is necessary to withdraw money in advance, interest can only be calculated according to the current listed interest rate of the bank on the date of withdrawal, but the current interest rate of most banks is only about 0.35%, equivalent to 6,543.8+10,000 yuan. Only 350 yuan can be saved in one year, and this interest income.
Therefore, if it is possible for you to use this 6.5438+million yuan at any time in the future, I suggest you consider buying those smart deposits from some banks. At present, the yield of smart deposits introduced by many banks is not low, and the maturity rate of 654.38+10,000 yuan in many banks can be above 5%. Moreover, these smart deposits support early withdrawal, and most banks have saved them for more than one year. You can get an interest rate of more than 2.5% by withdrawing in advance, and even some banks can get an interest rate of more than 4% by withdrawing in advance for more than one year. This rate of return is obviously much more cost-effective than withdrawing from time deposits in advance at the current interest rate.
When you go to the bank to deposit money, everyone will definitely consider the income first. Usually everyone wants the higher the interest, the better. However, while pursuing high returns, we should also give consideration to liquidity, instead of blindly pursuing high returns and ignoring liquidity.
In reality, many friends save for three or five years at a time after seeing the high deposit interest rate provided by banks. However, because they need money urgently and want to withdraw money in advance, they can only pay interest at the current interest rate, which is very unwise.
Therefore, when you deposit money, you must choose the right deposit bank, the right deposit term and the right deposit product according to your actual situation. Only by finding a suitable deposit method can we maximize the income.
Banks today are not the old calendars of 20 years ago. Now the bank is basically a comprehensive financial service platform, providing a variety of services. As far as investment products are concerned, banks at least involve the following products: government bonds, time deposits, demand deposits, large deposit certificates, structured deposits, funds, dividend insurance, wealth management products, precious metals and so on. The products are diverse and can meet the different needs of different people.
However, although there are many products, the most suitable investment products are limited for most ordinary investors. The optional period of national debt is short, the risk of funds and precious metals is high, the yield of dividend insurance and demand deposits is low, and the starting point of large deposit certificates is high (starting from 200,000 yuan), so time deposits, structured deposits and wealth management products are still suitable for the public.
Among the three, in fact, structured deposits are somewhat similar to the previous capital-guaranteed wealth management products (at present, the structured deposits of banks are basically capital-guaranteed structured deposits), so the choice is equivalent to only time deposits and wealth management products.
In the past, I would definitely recommend financial products first. First, the term of wealth management products is diversified (30 days to 10 year), and second, the yield of wealth management products is much higher than that of time deposits. However, with the innovation of banks, the competitiveness of time deposits is getting stronger and stronger. Especially in small and medium-sized banks, the interest rates of many time deposits are not lower than the yield of wealth management products, and they have the function of calculating interest by file or by stage. When the rate of return is not lower than that of wealth management products, the liquidity is higher than that of wealth management products, which is a rare investment method.
Of course, in addition to time deposits, banks have also introduced many new products for wealth management products, such as open wealth management products. In the past, the wealth management products we handled in the bank were basically closed-end wealth management products (the products could not be redeemed before the expiration). In order to improve the competitiveness of wealth management products, many banks have now launched open-ended wealth management products (so-called current wealth management products), which can be redeemed at any time in 7*24 hours, greatly improving liquidity. Of course, the yield is slightly lower than that of closed products.
This asset allocation ratio is: 10% of the money to be spent, 20% of the money to be saved, 30% of the money to be earned, and 40% of the money to be preserved and increased.
This is just for reference. It depends on your actual situation to decide different proportions.
Why do you want to do this configuration? The first is because we have to face accidents, diseases and deaths all our lives. Therefore, the first step is to use the usual spare money to allocate a guarantee that can save lives when we need it. Life-saving money here refers to insurance, which can be tinkering around the edges.
When we have a sudden illness, we can transfer the risk to the insurance company, so that we can not only sell houses and cars, but also sell pots and irons when we need money, resulting in the family returning to poverty due to illness.
The proportion here is generally 5%- 10%, depending on your annual income, family members and family situation.
For example, being single and getting married, you have to consider different situations. When you are single, you need to consider your parents. Married families, in addition to parents, the other half have children.
The annual income of 65,438+and 200,000 is also different. It is suggested that the consumer premium should be selected when allocating insurance, so that the maximum protection can be obtained with the least premium.
The money you need every day is calculated according to your general daily expenses every month, and try to leave it for about 3-6 months. This is spare money in case you can't take it out when you need it most at home. This is also an emergency fund. Don't use it unless you have to. If you use it at ordinary times, you must make it up as soon as possible afterwards.
Half in the balance treasure and half in the bank card, so that you can use it if you need it.
If this 6,543,800+yuan has not been used after the completion of both, I suggest that you simply allocate the money in a ratio of 50: 50.
Buy half stocks and half bonds. Why?
Buffett once said: fear when others are greedy, greed when others are afraid, and investment is anti-human. When others are not optimistic, we should not join in the fun.
Most people cut leeks because they don't know how to follow the trend. Behind the stock is a company whose purpose is to make money. A company that does not aim at making money is not a good company. Whether stocks can make money depends on whether they are good companies, whether they are sustainable in the future and whether they are cheap now. Buy when the company is cheap and sell when the company is high.
We can't predict the future market. With this configuration, when stocks don't make money, bonds make money. When the stock doesn't make money, it will make money. When the stock falls, it is also our opportunity, because we can dilute the cost, provided that we find a good company, such as Maotai, whose share price has reached 1000. At this time, it is overestimated to enter the market again, but there are not many stocks of more than 3000, and we can master the method.
Doing a good job of dynamic balance can overcome the weakness of life to a certain extent, and can also ensure and help us maximize our income.
In this way, we ordinary investors should be constantly changing. We don't expect to get rich overnight, but it is no problem to make assets grow steadily.
Why not recommend bank deposits? The bank interest rate is too low. Look at this year's pork, which is so expensive, and others are also rising. However, no matter how much our money rises, we can't keep up with the rise in prices. Our money has been depreciating. It is impossible for the bank interest rate to beat inflation. As the balance treasure of the money fund, the income is not good now, but there are stock funds in the fund, representing a basket of stocks. Therefore, we should learn how to invest and manage money.