How can I get high interest on my deposit? How to deposit to get the most interest

Doing business requires shrewdness and careful budgeting, however, deposits are not exactly so similar, deposits without money may be because money is not easy to come by, for fear of theft or loss by thieves, this kind of deposit is not concerned about interest, the purpose of their deposit is to put money in the bank for safekeeping. The other type of money is completely to win interest, he doesn't like to do business, he doesn't dare to speculate on ** tickets, and thinks it is still deposit insurance. This kind of person needs to think carefully about how to get high interest when saving money, and here are a few suggestions for reference only:

Less survival. For deposits, the longer the deposit period, the higher the interest rate, and the more interest you earn. Except for those that are used as daily living expenses, the surplus is preferably saved for a fixed period.

No early withdrawal.

If the time deposit is withdrawn in advance, the interest will only be calculated at the current interest rate. If the certificate of deposit is about to expire and you need money urgently, you can use the certificate of deposit as a pledge and borrow a sum of money that is smaller than the face value of the certificate of deposit to solve your urgent needs. If it is necessary to withdraw in advance, you can make a partial early withdrawal to minimize the loss of interest.

Renew the deposit and increase the interest, do not withdraw it overdue.

If the fixed deposit is not withdrawn at maturity, the overdue interest will be calculated at the current savings rate when it is overdue. Therefore, it is necessary to pay attention to the deposit date, and withdraw or roll over the deposit when it expires.

Compress cash. For example, some people have a monthly salary of 1,000 yuan, of which 500 yuan is used as living expenses, and the remaining 500 yuan is reserved for other purposes. Not only should the surplus of 500 yuan be saved in time to earn interest, but most of the 500 yuan of living expenses should also be used as current savings, which will make the living expenses that are not used for the time being "raised" with interest.

Interest advances. If you have 1,000 yuan, want to deposit for 5 years, and want to advance interest, and still get 1,000 yuan when it expires, you can go to the bank to open a 5-year certificate of deposit, and the remaining yuan can be used immediately. After 5 years, the bank will pay you exactly 1,000 yuan.

In other words, the money you leave for withdrawal when you deposit is actually the interest you advance. However, this is less than the interest that will be withdrawn at maturity after five years, and this method is not actually a loss due to factors such as commodity prices.

Be cautious about saving foreign currency. The interest rate on savings in foreign currencies such as US dollars, Hong Kong dollars, and British pounds is much lower than that of RMB. The interest on foreign currency savings is more than that on RMB deposits, and only when the exchange rate of such foreign currencies against RMB rises more than the interest rate difference between the two can foreign currency deposits be truly profitable.

How to go to the bank to deposit money to get a higher interest.

1. Divide the income of each month, set aside the expenses of each month, and the rest of the collection and distribution can be put into the bank to deposit the fixed term, and when you take it out in the future, you can get an interest. 2. Deposit the money in the bank, and promise to the bank that the savings will be automatically transferred after the expiration of the deadline, so that you can get a compound interest. 3. Divide the income into several parts and deposit them in the bank.

Not only can you get interest, but you can also withdraw your savings in case of emergency.

Bank deposits are money deposited in banks and are a component of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank to handle deposits, withdrawals and transfer settlements, and the monetary funds of the enterprise.

At present, there are many ways to deposit bank deposits, such as current deposits, three smart sales front months, six months, one year, two years, three years, and five years. In general, the longer the term of the deposit, the higher the corresponding deposit interest rate, for example, the current benchmark interest rate of the central bank is the highest three-year period, but in the actual process, some banks can give a three-year interest rate, and some banks can even give more than a five-year interest rate.

Under normal circumstances, the interest rates of private banks, credit cooperatives, and rural commercial banks are greater than those of urban commercial banks and those of joint-stock banks and large state-owned banks.

General way of high deposit interest: The deposit interest rate of small and medium-sized banks will be higher than that of large banks, because small and medium-sized banks, especially urban commercial banks, have a weak ability to absorb public and private savings, and can only attract funds through higher interest rates.

How to deposit high interest specific practices:

1. Choose the deposit time wisely and try to go to the bank to deposit money in the peak season of savings. In the peak season of savings, banks will not only increase the deposit interest rate, but also set higher incentives, so that they can get more benefits by saving money at this time. Generally speaking, the month is the peak season for banks to collect deposits, on the one hand, because most friends and some enterprises have a strong demand for cash withdrawals before the Spring Festival, and the bank capital flow is tightened, and the pressure on deposits increases.

On the other hand, because the funds brought in by the bank in the month will be retained in the bank with a high probability in that year;

2. The use of different deposit methods As we all know, the longer the term of the bank's fixed deposit, the higher the interest rate. However, if the fixed deposit is withdrawn in advance, the part withdrawn in advance must be calculated according to the current interest rate, which is only pitiful, which is very uneconomical;

3. Decentralized deposit method or 12 certificate of deposit method. 12. The certificate of deposit method means that a certain percentage of the salary is taken out every month to make a fixed deposit certificate, and the term is set to one year. We do this every month, and at the end of the year we have 12 one-year fixed deposit certificates.

In this way, from the second year onwards, we will have a certificate of deposit that will expire every month, and if there is an urgent need, we can use it without losing interest on the deposit;

4. More deposit productsThe types of deposit products are relatively rich, and you can choose according to your actual situation. Generally speaking, time deposit refers to lump sum deposit and withdrawal. The interest rate of 3-year and 5-year time deposits is only a little more than 3%, and very few banks can reach about 4%;

5. The interest rate of large-amount certificates of deposit is slightly higher than that of ordinary time deposits. For example, the lump sum deposit of one-year fixed deposit is about 30% higher than the benchmark interest rate, and the increase of large certificates of deposit is between 40% and 50%. However, the threshold for large-denomination certificates of deposit is relatively high, usually starting from 200,000 yuan, and there are some super large-denomination certificates of deposit with a threshold of 300,000 yuan, 500,000 yuan or more than 1 million yuan.

1. Pyramid savings method: divide a sum of money into several parts from less to more and deposit them in different banks on a regular basis. When there is a small amount of capital demand, the small part of the capital can be withdrawn, so as to slow down the increase without affecting the interest income of other funds.

The pyramid savings method is more suitable for situations where you need to have money in 1 year, but you are not sure when to use it and how much it will be used at one time. Saving money in this way will not only increase the interest rate more than the current period, but also reduce the interest loss when withdrawing money;

2. 12 certificates of deposit method: The 12 certificate of deposit method is to deposit a one-year fixed term in 12 months of each year. For example, every month when the salary is paid and the salary is withered, a part of the money is taken out and deposited into a one-year fixed deposit, and the user has 12 fixed deposits in one year.

From the second year onwards, a deposit matures every month, and the money can be withdrawn if it is urgently needed;

3. Tiered savings method: Similar to the 12-deposit certificate method, 1 cash is divided into 3 parts, and the fixed period of 1 to 3 years is deposited respectively, and the fixed deposit is 3 years after the expiration of each fixed period. In this way, all certificates of deposit held after 3 years have a 3-year maturity, but the maturity period is different, and the difference is 1 year in turn.

1. Demand deposit and fixed deposit: demand deposit has the lowest interest rate and good flexibility. Fixed deposits include lump sum deposits, lump sum deposits, principal deposits and interest withdrawals, etc., and early withdrawal will be based on current interest, which is the most common deposit and wealth management method.

2. Call deposit: It is divided into 1 day and 7 days according to the time. Generally speaking, the interest rate of call deposits is higher than that of demand deposits and lower than the interest rate of time deposits, so many people will deposit short-term idle funds into call deposits.

3. Large-amount certificates of deposit: they are characterized by large amounts, the general minimum purchase threshold starts from 200,000, and the interest rate is higher than that of fixed deposits in the same period, so it is more cost-effective for high-net-worth users to choose such products;

4. Structured deposits: Although the name of structured deposits has the word "deposit", they are not deposit products, but are the bank's principal-guaranteed floating income wealth management products. It is an innovation in ordinary deposits, linked to some interest rates, exchange rate indicators, if this indicator is reached, then you can get a relatively high return.

If it is not reached, the income is not so high, but the principal is still there.

Fixed deposits have a fixed term of deposit, which refers to deposits that can only be withdrawn with a definite maturity period. The interest rate on fixed deposits is higher than that of demand deposits, and the longer the term, the higher the interest rate. Once a user has chosen a fixed deposit, the deposit is made with funds that have not been withdrawn in the near future and are stored as value.

Fixed deposits cannot be withdrawn in advance, and if they are in advance, they will be calculated as current deposits, although some banks allow some deposits to be withdrawn in advance. This article mainly writes about how to deposit with high interest rates, and the content is for reference only.

1. Choose the deposit time wisely and try to go to the bank to deposit money in the peak season of savings. Banks will not only raise higher deposit interest rates, but also set higher incentives, so that they can get more benefits by saving money at this time.

2. The use of different deposit methods As we all know, the longer the term of the bank's fixed deposit, the higher the interest rate. However, if the fixed deposit is withdrawn in advance, the part withdrawn in advance must be calculated according to the current interest rate, which is only pitiful, which is very uneconomical;

The interest rate of 3-year and 5-year time deposits is only about 3%, and some banks can reach about 4%.

Deposits have the highest interest on bank deposits.

The specific method is to save a one-year fixed deposit every month, save for 12 consecutive months, after a year has passed, the first certificate of deposit can be withdrawn just when it expires, and a sum of money can be withdrawn when it expires every month in the future.

Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest on various bonds.

In the abstract, interest refers to the amount of appreciation brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal x interest rate x deposit term (i.e. time).

Classification of bank interest: According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit. It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

Interest is generated by the following factors:

1. Delay consumption, when the lender lends money, it is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods over future goods, so there will be positive interest rates in the free market;

2. Expected inflation, most economies will be inflationary, which represents a quantity of money that will have fewer goods to buy in the future than now. Therefore, the borrower is required to compensate the lender for the losses incurred during this period;

3. Alternative investment, where the lender has the option to put money on other investments. Because of the opportunity cost, the lender lends money and gives up the possible return on other investments. The borrower competes with other investments for the funds;

4. Investment risk, the borrower has the risk of bankruptcy, absconding or non-repayment of debts at any time, and the lender needs to collect additional money to ensure that it can still be compensated in these circumstances;

5. Liquidity preference, people will prefer that their funds or resources can be traded immediately at any time, rather than taking time or money to get back. Interest rates are also a form of compensation for this. Suspicion of the Mausoleum.