Years Of Experience Tell You How To Save Money.

Since ancient times, Chinese people have the habit of saving money. Although a lot of products have been replaced by deposits this year, there are still a large number of people who like to put their money in banks. They feel that only when they have money in the bank can they be steadfast.

So, as the general public, we should

What about it?

For deposits, high interest rates and strong liquidity are, of course, the ideal situation for most people.

However, from the point of view of each deposit, it is not perfect enough to meet this requirement.

Analysts suggest that the combination of deposits can solve this problem. For example, in order to obtain higher interest, part of the funds can be taken as a long-term regular deposit and deposit. At the same time, in order to cope with daily expenses and emergencies, we need to prepare some demand deposits regularly.

For depositors who are saving money, they can handle the zero deposit, so that money will soon be saved.

Some people simply deposit thousands of dollars or even tens of thousands of dollars in cash only for the convenience of withdrawal.

The current interest rate for current deposits is 0.72%, the annual interest rate for one year is 1.98%, the annual interest rate for three years is 2.52%, and the annual interest rate for five years is 2.79%.

If 50 thousand yuan is taken as an example, after deducting the interest tax, the interest earned in the three year period is about 3024 yuan, and the interest earned in the five year period is about 5580 yuan. If the 50 thousand yuan is deposited as a demand, the interest rate will only be 288 yuan a year, even if the interest rate is three yuan, it will be only about 1000 yuan.

This shows that the same period of 50 thousand yuan, the same period of deposit, but the way of deposit is different, the interest rate difference between three years and three years is not small.

Time deposits will be more cost-effective than demand deposits, but not the longer they are.

Many people have concentrated their large deposits on the time deposits of three years and five years in order to earn more interest. However, they did not carefully consider their expected time of use and blindly keep all the remaining money growing. If there is an urgent need for money to be processed in advance, the longer the deposit period is, the more the interest will suffer.

Now, in view of this situation, the bank stipulates the part of advance withdrawal.

No earlier withdrawals are still calculated at the original interest rate.

Therefore, individuals should choose the duration and type of deposits according to their own circumstances.

Financial home suggests that from the current deposit rate, it is advisable to choose short-term funds for time deposits.

On the one hand, the length of the deposit has little effect on interest rates. The gap between the one-year deposit interest rate and the five year deposit interest rate is only 0.675 per month.

On the other hand, the deposit rate is the lowest in history, and the interest rate is down again. If the interest rate rises in the future, if we choose long-term deposits now, we can not enjoy higher interest rates at a time when interest rates are high.

Short term deposits are highly mobile and can be re deposited immediately after maturity.

In terms of specific operation, we should adopt an ingenious way.

You can save your family's money for one year every month.

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A year later, there were 12 certificates of deposit.

In this way, no matter which month the urgent use of money can take out the deposit that is due to the month.

If you do not need to spend money, you can deposit the expired deposits together with interest and the remaining money on hand for one year.

This "snowball" saving method ensures that there will be no opportunity to lose money.

And now banks have launched automatic pfer service.

When saving, you should make an automatic pfer with the bank.

In doing so, on the one hand, it avoids avoiding the timely deposit of deposits after the expiration of the deposit. The loss of the overdue part is calculated according to the current interest rate; on the other hand, soon after the deposit expires, if the interest rate is lowered, it does not stipulate the automatic pfer. If the interest rate is kept again, the interest rate will be paid according to the interest rate after the interest is lowered.

If the interest rate is raised after the expiration date, it can also be removed and saved.

It is worth noting that the large deposit certificate system launched by the central bank recently is undoubtedly a great benefit for people who are good at managing money, because large certificates of deposit mean that the deposits of banks will be pferred.

Large certificates of deposit can be invested by individuals and institutions with a threshold of not less than 300 thousand yuan and not less than 10 million yuan, and their interest rates will be determined in a market-oriented manner.

Large certificates of deposit are a kind of financial product issued by commercial banks. They are certificates of large deposits of depositors in banks, which can be pferred before maturity, and their interest rates are generally higher than the regular deposit rates.

For individual investors, the introduction of large certificates of deposit is equivalent to more than one investment variety.

Time deposits need to be held at maturity. If interest is withdrawn in advance, interest income will be reduced.

Although large certificates of deposit can not be withdrawn in advance, they can be pferred in the two tier market, with relatively high liquidity.

Earlier, some experts predicted that future certificates of deposit would replace some of the time deposits.