Should I save for a three year fixed term? Should I save for a three year fixed term? Why?

I personally did a survey, in the current considerable number of people who like to save regularly, more than 60% of the group will choose one-year fixed savings, and the remaining less than 40% will choose three-year and five-year fixed savings. The sample of this data collection is basically about 500 people, and the number of banks surveyed is 6 banks in our local area, although the final conclusion may have a certain degree of distortion, but the general direction of choice is basically relatively clear, that is, a considerable number of groups like to choose one-year regular savings.

Here we must discuss the implementation of the central bank's benchmark interest rate, the one-year central bank stipulates that the benchmark interest rate is three years is floating according to this interest rate, and the final major banks implement the interest rate, and the one-year fixed savings are basically stable at about that. Three-year fixed savings have risen, and interest rates have largely stabilized. In fact, the difference between the interest rates of the two is not large, and the floating interest rate of individual local banks and village and township banks may be a little higher, but generally not higher than the upper limit of 50%.

Because on top of the fixed savings, there is also a stable investment method, that is, the bank's large certificate of deposit. At present, the starting threshold for most banks' large-amount certificates of deposit is 200,000 yuan, and the implementation interest rate is about 45% to 55% higher than the benchmark interest rate stipulated by the central bank.

Therefore, if your principal can reach about 200,000 yuan and you like the financial management method of large-value certificates of deposit, you can try to choose a three-year bank large-amount certificate of deposit. If your funds do not reach the starting threshold of 200,000 yuan, then the best way is to choose a one-year fixed savings or change other investments.

I think it's possible to save for three years, but don't save all your money for a fixed term, if there is an emergency, there is no way to deal with things.

The interest rate of the three-year fixed deposit is generally relatively high, and if there is no special requirement for capital liquidity, you can choose a three-year fixed deposit to obtain high returns.

For people with poor risk tolerance, if they have surplus money in addition to emergency reserves, they can consider saving. Of course, individuals are more inclined to buy treasury bonds than fixed deposits.

I didn't have any savings before, and since this year, I've been saving a sum of money every month for three years, and I can't guarantee that I'll be able to save a lot of money, so take your time, and when my child is older, I'm going to start raising her to save money from a young age, and I'm just because I don't have a deposit mentality, so I haven't saved money.

200,000 want to deposit in the bank for a fixed time, why do bank employees say that it is good to save for three years?

Not on a regular basis! It's financial management! It is found on a regular basis!!

Personally, I don't think you should save for a three-year term, because after saving money for a three-year term, if you need to use a lot of money during the three-year period, it will be particularly troublesome in this case.

In daily life, we will save our savings by storing them in the bank, and different storage times can get different profits. Many people will think that the longer they save their money, the higher the profit they will get, so they will save their money for a longer time. But in fact, this kind of thinking also has certain drawbacks.

1. Should you save money for three years?

Actually, I personally don't think you should save your money for three years. Although the three-year term can make a certain profit, we generally do not use the money within the three-year term period. But three years is also a long time, and if something happens during the three years and you need to use a lot of money, in this case, if you withdraw money, you will lose your profits, and if you don't withdraw money, you will only make it very difficult for yourself.

So I personally don't recommend saving money for three years. Of course, if you have enough money, you can also consider saving some of your money for three years. <>

2. Is it safe to deposit money in the bank?

In fact, it is very safe to deposit money in a bank. Because most banks are relatively formal, and the bank's funds can also be guaranteed to a certain extent. When we deposit money at the bank, we can not only protect our money in this way, but also make a relative profit in the process of depositing money.

Therefore, depositing money in the bank is not only safe, but also very cost-effective. <>

Third, what kind of people like to save money in the bank.

Mainly, some ordinary people will like to keep their money in the bank. Because for ordinary people, keeping money in a fictitious bank is not only safe, but also able to obtain a certain profit. And ordinary people generally don't invest a lot of money, so they only choose to keep it in a bank.

There is also a group of people who are middle-aged and elderly, because this group of people wants to give themselves a certain sense of security by depositing money in the bank. And it can also produce a certain guarantee for their old age.

For example, if you have a fixed deposit for 3 years and need to withdraw the funds temporarily when you have saved for one year, the interest will be calculated according to the one-year time deposit rate, not the current interest rate. Some perennial immovable can choose a long-term three-year fixed group forest period, a part of the medium-term non-use can choose a two-year term, and a short-term non-use can choose a Li annual term, and then the daily use can choose current, currency ** and other flexible ones.

I don't think it should be saved for three yearsAlthough you can get the corresponding benefits after three years, after saving for three years, because some of the first words that make people who are in a hurry to withdraw money slip will be particularly troublesome, I don't think you should save for three years.

I recommend not saving for a three-year term;Because the first striker is pretending to search, if there is a shortage of people during the three-year period, a large amount of money is needed, and it will be particularly troublesome to withdraw money, and it will also lose their profits.

Summary. Hello, dear. Banks do not recommend depositing for three years for the following reasons:

1. The liquidity is relatively poor, and the three-year fixed deposit means that the user has to hold it for three years, although the fixed deposit can be withdrawn in advance, but the part withdrawn in advance will be calculated according to the current interest rate, which is not cost-effective. 2. The income is relatively low, the three-year time deposit is higher than the demand deposit and the deposit with a short term, but the income is lower than the bank wealth management products of the same term, and it is not the best investment product for investors who pursue high returns. 3. Loss of opportunity cost, if investors use the same funds to invest in other products, such as wealth management, bonds, **, **, etc., they may obtain higher returns.

Hello, dear. The reasons why banks do not recommend depositing for three years are as follows: 1. Liquidity is relatively poor, and three-year term means that users have to hold it for three years.

2. The income is lower than that of filial piety, and the three-year fixed deposit is higher than the demand deposit and the deposit with a shorter term, but the income is lower than the bank wealth management products of the same term, and it is not the best investment product for investors who pursue high returns. 3. Loss of opportunity cost, if investors invest in other products with the same prudent funds, such as wealth management, bonds, **, stocks and Zheng Zheng, etc., they may obtain higher returns.

In the case of loose idle time, it is a good choice to deposit a three-year term, because the interest rate of a three-year term is higher than that of a two-year or one-year term, and if it is said that compared with a five-year term, the interest rate of a three-year term is the same as that of a five-year term, and the liquidity of Hulu is also much shorter than that of a five-year term, so it is a good choice to save a three-year term. Of course, if the investor's funds can only be idle for a year, and the money needs to be used after a year, then it is good to save according to the idle time of the funds, and there is no need to choose a long-term term for higher interest.

Banks are reluctant to recommend a three-year fixed deposit for a number of reasons

First of all, it may be due to cost considerations. While depositors can make better use of their funds for a three-year period, they also have to pay a higher cost of using their funds, because the longer the deposit period, the higher the interest they need to pay.

In fact, the high interest rate on deposits is not a fundamental problem, because the deposits absorbed by the bank are not used for their own use, but will be used for loans to earn interest margins. Sometimes, however, the loan market may not be able to find so many high-quality customers, or the interest rate spread between deposits and loans may decrease due to some reasons.

This is because of the deposit rate.

It's not that banks can set it lower if they want to. On the one hand, the deposit interest rate is limited by the benchmark deposit interest rate, and the benchmark deposit interest rate is the higher the interest rate the longer the maturity, so even if the three-year deposit interest rate is lower, it will inevitably be higher than the interest rate of most short-term deposits.

On the other hand, the presence of competitors prevents banks from arbitrarily lowering deposit rates. There are thousands of banks in our country, and these banks can be said to be competing with each other. If one bank sets the deposit rate too low, depositors may put their money in other banks.

For example, if a depositor wants to deposit a three-year deposit, and the deposit interest rate given by one bank is, and the deposit interest rate given by another bank is, who do you say the depositor will choose?

Obviously, if the deposit rate is too low, it will definitely become less attractive to savers. If the latter bank had set the deposit rate at 4%, it would certainly have attracted depositors. As long as you can attract a depositor, you can recommend him to deposit for other maturities.

Even if the depositor must save, although the cost is higher, it is better than giving the depositor to a competitor.

Second, it may be that the bank staff thinks about their own interests. Although the bank staff represents the bank, they are not completely aligned with the interests of the bank.

For example, for banks, the more three-year deposits the better, but for bank staff, if the three-year deposits in their performance appraisal are enough, there is less need for depositors to deposit three-year deposits, so it will be recommended that depositors save deposits of other periods.

Thirdly, it may be to provide savers with a more suitable savings plan for the interests of depositors. Although the interest rate of three-year deposits is relatively high, it may not be suitable for every depositor. Because in order to get a higher interest, you must save for three years and cannot withdraw it in advance.

Some depositors may not be sure whether the deposit will be used within three years, and the bank staff may suggest that the depositor deposit for other maturities or separate deposits.

The purpose of this is naturally to maintain good depositors, strengthen the stickiness between depositors and banks, and reduce the possibility of being poached by other competitors.

The first is that the basic needs of users are different. Customers who go to the bank to handle business are generally distributed in three-year and five-year term deposits, and three-year fixed-balance deposits also have some advantages.

For example, the security of funds is more secure, the interest rate level is higher, and so onHowever, since it is a fixed deposit, it means that the customer cannot withdraw the principal by his own will until the specified period. In the face of the needs of some customers, if the bank staff knows that the customer may have a flow of funds in the near future, then it will be recommended that the customer save a short-term deposit including a year within the guess, which will also be more in line with the customer's financial plan.

The second point is the pressure on the performance standards of banks. Completely different from the first type of shouting, sometimes the bank staff will advise customers who want to save for a three-year fixed term for a longer period, such as 10 years or 5 years. This is mainly because the current performance pressure of the banking industry is very high, and the working class working in the bank is not as glamorous as it seems on the surface, and still needs to work hard for their monthly salary and bonuses.

The term and amount of deposits deposited by each client are often linked to the performance of the relevant staffCoupled with the impact of the epidemic, in order to keep their jobs, many bank staff will also try their best to prevent Wusui from promoting wealth management products, extending the term of customer deposits, and increasing the amount of customer deposits.

1. Reason 1: It cannot be withdrawn when the money is urgently needed.

In the presentIn real life, many people will choose a large amount of time deposits, although such deposits are longer, but the interest rate will be higher after the maturity of the deposit. After all, the vast majority of people choose to keep their money in the bank, or hope to make a profit, but in the face of the situation that some staff do not recommend saving for a three-year fixed term, these depositors are also confused.

If it is for the sake of savers, the staff does not recommend saving for three years, the main reason is that the three-year term is too long. Although the benefits obtained are not low, but if inIn the past three years, there is an urgent need for money, and this money cannot be withdrawn. If you want to take out this money forcefully, then you have to convert it into a demand deposit, which is not only a complicated procedure, but also a depositorYou will also lose a portion of your interest.

Even in these three years, it cannot be ruled out that there will be an extreme situation, that is, some banks are facing failure, bankruptcy. After all, there are many friends in real life who will go for higher interest ratesChoose some unknown banks that are not as stable as state-owned banks and therefore may be at risk of collapse.

In the event of a leak, the depositor's money is protected in accordance with the relevant legal provisions. However, if the deposit exceeds 500,000, the excess amount cannot be paid. Therefore, savers should be cautious when choosing a bank, and try to find a balance between high interest rates and security.