A New Investment Strategy: The Highest Interest Deposit Method Makes Interest 10 Times.

There is a story on the Internet. Gourmet deposit act "Shen tie", a post posted by netizen's "Qingdao long" community, is entitled "never let go one day, drain bank interest". The paper Reckoning: "today, we think of using internet bank to save 50 yuan every day, and fully drain bank interest. 1 days 50 yuan, 30 days 1500 yuan, 1 years 18 thousand yuan. In this way, we will have enough money every day to drain the interest of banks and not to let them off for 1 days.

Careful users found that this algorithm is not realistic, and operability is not strong. After all, most people's wages are monthly forms. Taking into account the cost of time, there is absolutely no need to divide them into 50 yuan per day.

　 N rolling deposit by single deposit method If you are a wage earner and pay a monthly salary on a regular basis, you must not leave the money directly in the payroll account. Because wage accounts are generally demand deposits, interest rates are very low, if a large number of wages stay inside, virtually lost interest income.

You can extract the 10%~15% of your wages every month for a 1 year period. Time deposit Single. Do this every month, and you will have 12 annual deposit certificates in one year.

From second years, every month there will be a certificate of deposit due. If it is used urgently, it can be used and it will not lose interest on deposit. If there is no urgent use, these certificates of deposit can be automatically renewed, and from second years, we can add the monthly savings to the deposit certificate of the month to the end of the month, make a deposit slip again, and continue rolling the deposit. This saving method is suitable for families with relatively stable income and little expense, and can earn higher interest rates.

　　 Stepped savings Earn higher interest Assuming that there is 50 thousand yuan in cash, it can be divided into 5 equal parts, with 1, 2, 3, 4 and 5 years respectively.

After the expiration of the 10 thousand yuan deposit certificate of 1 years, it can be repaid as a deposit certificate of 10 thousand yuan for 5 years. After the expiration of the 10 thousand yuan deposit certificate of 2 years, it has also been changed to a 5 year period. In this way, 5 years later, the 10 thousand yuan that expired in the last 5 years was also changed to 5 years. In this way, a 5 year deposit certificate will expire every year and earn a higher interest rate. This way of saving is more suitable for families with regular and planned living expenses.

　　 To reduce the loss to the minimum by dividing the amount of savings. Assuming that there are 10 thousand yuan in cash, it can be divided into 4 parts, 1000 yuan, 2000 yuan, 3000 yuan and 4000 yuan, respectively, and then deposit these 4 certificates of deposit into 1 year term deposits.

Within 1 years, whenever money is needed, the certificate of deposit close to the required amount can be taken out so as to meet both the demand for money and the maximum interest income. This method applies to small idle funds that are expected to be used in 1 years, but are not sure when to use and how much to spend. With separate savings, interest is not only much higher than current savings, but also can be reduced to the minimum when taken out.

　　 Portfolio saving "Combinatorial storage is a way of saving interest and saving money." A bank financial planner said.

If you have a larger amount of idle funds, you can choose to deposit the money into savings. After a month, withdraw the interest from the first month of the deposit, then set up a savings account to save the interest.

After each month, the interest generated in the first account will be fixed and stored in the whole account. In this way, not only the interest is saved but also the interest is earned after participating in the savings.