If you have 100,000 in your hand, is it better to put it in the bank or in Yue Bao?

There is a wise saying in investment and financial management, which is not to put all your eggs in one basket. Therefore, if you have 100,000 in hand, don't invest in one product, you can diversify your investment. Both the bank and Yu'e Bao are low-risk financial management methods, and the safety is guaranteed.

Bank deposits are also divided into demand and time deposits, and time deposits are divided into three months, one year, three years, ......If you choose to put a bank demand, don't choose it, because the yield is too low. You can take out a part of the funds that you don't use for a long time to deposit for three years, and the yield of some local banks is more than 4%, which has exceeded Yu'e Bao. Its only drawback is that it has slow liquidity, and if you withdraw your earnings early, you can only pay them at the current rate.

Therefore, it is necessary to plan for the investment of funds that are not needed for the time being, and invest in a three-year fixed deposit. It is recommended that you manage your money through banking channels. At present, there are many ways to invest and manage money personally:

Fixed, treasury bonds, fiduciary wealth management, **, trust, insurance, etc., do portfolio investment, and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you go to the outlets of China Merchants Bank to consult the relevant advice of the wealth manager.

A part of the funds are stored in Yue Bao, which is a kind of currency. Money** is mostly invested in treasury bonds, bank deposits, reverse repo ......They are relatively low-risk investments, so the security of the currency** is guaranteed. As the promulgation of the "New Regulations on Asset Management" has affected the income of the entire financial market, Yu'e Bao is no exception, which has fallen below 4%, but it is also higher than the return on bank deposits.

And its most important advantage is that it has flexible access and withdrawal, just like a demand deposit. It is not only a wealth management product, but also transfers, payments, payments ......It facilitates people's lives.

Xiaoxiao Finance thinks that the most important attribute of this investment is to consider the safety of funds, whether it is to put the 100,000 yuan in the bank or in Yu'e Bao, you must have examined its security is very safe, and then you will decide to put the 100,000 yuan in, after all, the 100,000 yuan is not a small amount for anyone.

Hello, there are 100,000 yuan in hand, it is better to put it in the bank or Yu Yu Bao, from the level of income to analyze the Yu Yu Bao will be better, although the income of Yu Yu Bao is much less than at the beginning, but it is still higher than the bank's current interest. In terms of security, the bank is higher than Yu'e Bao, but Yu'e Bao has become the "second bank" used by hundreds of millions of people, and its security is also very reliable.

From the technical point of view, the security of Yu'e Bao will be higher, because Alibaba's technical staff is the first-class, and no hacker has been able to hack Yu'e Bao so far. Of course, the most worrying thing about the existence of Yu'e Bao is the financial crisis, once a financial crisis occurs, then the money in Yu'e Bao has a certain risk, and it is safer to exist in the bank, but now the possibility of a financial crisis is relatively small, because our country's control of finance is very cautious, and it is also capable of coping.

100,000 yuan is not a good way to deal with it whether it is deposited in the bank or Yu Bao, 100,000 yuan is not much, but for some people it is already a lot, if it were me, I would go back to my hometown to buy a house. 100,000 yuan no matter how it exists, it can't beat the current price, 100,000 yuan is less than 10 yuan a day, and the house price is even worse.

Generally, the housing price in the county seat of my hometown is about five or six thousand, and 100,000 yuan is enough for a down payment, so it is not a problem to work hard to make a monthly payment of 3,000 yuan. Although the house price cannot be said to rise, it will not fall, and buying a house is for yourself to live in, and you can be more practical if you have a house. If you are not married, then it is recommended that you buy a house, so that it is easier to find girls.

If you don't want to buy a house for 100,000 yuan, it is relatively convenient to save Yue Bao, because we will use Yue Bao to spend every day, and we can see the changes in our money at any time. When you don't want to save it, you can transfer it out at any time, which I think is more convenient.

There are 100,000 yuan in hand, and the specific bank or Yu'e Bao depends on the holder's own situation. If we want to manage our finances, we generally need to consider the following points: security, flexibility, and profitability.

Comparison between Yu'e Bao and Bank Deposit: Yu'e Bao and Bank Deposit are both products with high security. Now the income of Yu'e Bao is, we assume that the average income is, then simply invest in Yu'e Bao, the annual income is 2500 yuan. If you deposit in the bank, the interest rate of innovative deposits of private banks is relatively high, and some five-year deposits can reach it, while the interest rate of the four major banks is less than 4%, which is relatively low.

Then you need to make a good decision on the specific choice of ** deposit.

If the 100,000 yuan is not used for a long time, it is best to deposit it in the bank In 2020, the four major banks of industry and agriculture and China Construction have lowered the interest rate on the issuance of three-year and five-year large-amount certificates of deposit, from the original floating multiple to double, and the interest rate on three-year fixed deposits has also been lowered from about the previous one. Compared with the big four banks, private banks now have relatively high interest rates on fixed deposits, and they also have safety guarantees.

If the funds are idle for three to five years, it is better to keep them in the bank.

If you may need to use it at any time, it is recommended to deposit Yue Bao if it is current, just deposit Yu Bao, because the bank current interest rate is only, and Yu Yu Bao has, the difference is nearly eight times.

In terms of flexibility, Yu'e Bao has incomparable advantages for banks. After 100,000 yuan is put into Yu'e Bao, you can take it at any time, and the remaining money will not affect the income when you put it in Yu'e Bao, and it will be settled according to the interest rate announced by Yu'e Bao every day. Even if you only withdraw a dollar before the maturity, or withdraw it one day in advance before the deposit period expires, the interest on your 100,000 yuan deposit can only be calculated according to the current period, and the income will be greatly discounted.

But you also have to consider this problem, now Yue Bao can only withdraw up to 10,000 yuan per day.

If you have 100,000 yuan in your hand, whether you put it in the bank or Yu Yu Bao, you have to make a decision according to your actual needs.

There are 150,000 people who look at this should be spare money, this spare money is better to be deposited in the bank, you can buy some financial management products without the risk of lack of space in the bank, and the interest rate of Li which pretends to be empty in a year is definitely higher than that of Yu Bao, and the money in the bank is relatively safer.

It is better to deposit in the bank.

100,000 yuan of funds, it is not recommended to deposit Yu Bao, although the liquidity is very good, but the income is relatively low, not suitable for large funds deposit, deposit the bank is better, the bank has a lot of innovative cash management tools, the liquidity is very good, the income will be higher.

Yu'e Bao is more suitable for scattered fund management.

Nowadays, the latest seven-day annualized rate of return of the 11 currency ** products docked by Yu Bao is around. 100,000 yuan of funds can also get between 2,600 yuan and 3,000 yuan per year! Compared with other financial products, it is still relatively low.

In addition, on January 4, the central bank just announced a comprehensive RRR cut of 1%, releasing about 800 billion yuan of liquidity to the market, and the interbank market is not short of funds in the short term. In other words, the return of Yue Bao Currency** may be further reduced in the future.

If you don't take into account interest, it doesn't matter.

However, if Yue Bao wants to operate online, you need to know the operation process, which may not be suitable for some people or the elderly.

At present, the income of Yu'e Bao is also gradually declining, and there is basically no difference, depending on personal habits. If you think about the income, you can also consider mine.

It's the same thing for you to set up a one-card one-fold account, and put **.

One fold one card is two different forms of carrier for the same account, passbook and debit card. Both vectors use the same bank account. The passbook can be accessed at the counter, and the account information record can be seen after the passbook is registered.

Debit cards are convenient to use at self-service machines, but they can also be operated at the counter, and POS purchases can be made at the same time. Both the discount and the card can be used for loan lending or repayment.

It depends on how many years you have been on it, and the longer it is, the higher the interest! In fact, they are not high, it is better to do bank financial management, and the monthly income is 5%, hope

The funds in Yue Bao's account are fully insured by Zhongan Insurance, so it is safe to put the money in your bank card in Yue Bao.

The thousands of dollars saved are fixed or current Generally, when you check the balance, it only shows the current If it is for other reasons, then it is recommended that you go to the bank to check the flow of money to see if someone in the middle has withdrawn it or what.

Hello, of course, it is to put Yue Bao, the income is higher, and you can transfer it to a bank card at any time.

Thank you for being satisfied.

In the case of bank cards, it is safe to keep the card, do not tie up various consumer software platforms, and do not disclose passwords (including withdrawal passwords, online banking login passwords and payment passwords). If you take your mobile phone with you, Alipay's login password and payment password are not leaked, and it is also safe to close the hail.

Depending on your spending habits, if you are used to spending cash, it is better to stay in the card, which is convenient to use.

If you want to try online consumption, or if you are used to running around the street without pretending to be money, you must save it to Alipay. It is recommended that you deposit to Alipay's Yue Bao, then there will be interest, if the amount is relatively large, the interest is considerable. At the same time, it is recommended that you buy an account security insurance, I remember that the car sail is under 10 yuan, in case it is stolen.

Although Alipay is already very powerful, it is still recommended to spend a few dollars to buy a safe one. Once there is a problem, Alipay will solve it quickly. So don't worry!

Put the insurance company is the best.

The internet is not secure.

Payment-related cards are recommended.

Try not to put money away.

That is, it is better to pay less money on the card that is tied to the payment.

Yue Bao.

Yu'e Bao has two biggest advantages, strong liquidity and interest settlement, it is really recommended to deposit 100,000 yuan into Yu'e Bao. Another necessary factor is that the interest rate of Yue Bao is floating.

Just as the interest rate of Yu'e Bao has continued to rise recently, and the interest rate of Yu'e Bao is the highest time6, so the interest rate of Yu'e Bao has room to rise, and the interest rate of Yu'e Bao has almost caught up with the interest rate of the central bank's three-year fixed deposit.

Strong liquidity of funds. daily interest, rolling interest; There is room for the interest rate of Yu'e Bao to rise; The advantage I value most is the strong liquidity and safety of funds, the 100,000 yuan can be accessed at will, which is equivalent to the emergency use of the money at any time, and if the 100,000 yuan is deposited in the bank on a regular basis, there are many constraints.

The biggest disadvantage of bank fixed deposits is the poor liquidity of funds, the longer the fixed period, the longer the capital limit, if there is any urgent matter to withdraw in advance, it will be settled according to the current interest.

Of course, bank fixed deposit is also only advantageous, it is safer than depositing Yue Bao, and the interest rate of fixed deposit for more than three years is higher than that of Yu Yu Bao.

Yu'e Bao has a limit, one million can not be deposited in Yu'e Bao, it is better to store it in a bank, and one million is better to be deposited separately, and a bank can deposit 500,000 yuan.

Deposit in the bank, because when you need money urgently, Yue Bao may not be able to take it out immediately.

It should be more appropriate to deposit in the bank, which is relatively safe, and can also play a role in capital turnover.

If 100,000 yuan is not used for a year, whether it is the bank demand deposit interest rate or the one-year time deposit interest rate.

, are not as good as Yu Bao.

Obviously, it's better to keep it in the bank. A demand deposit is a bank deposit that can be withdrawn and transferred at any time without prior notice.

It comes in the form of a checking deposit account, a certified check, and a cashier's check.

Traveller's cheques and letters of credit.

Extended Materials. 1. Demand deposits account for the largest part of a country's currency, and they are also an important fund for commercial banks. Demand deposits not only have the functions of monetary payment means and flow and mining means, but also have strong derivative ability.

It is the focus of attention of commercial banks. The interest rate on demand deposits is generally low; Western countries.

of commercial banks generally do not pay interest, and some even charge a certain handling fee.

2. A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance, and withdraw the principal and interest after maturity. Some certificates of deposit if the depositor needs funds before maturity.

Can be on the market**; Some certificates of deposit.

Non-transferable. If the depositor chooses to withdraw the funds from the bank before maturity, they will need to pay a certain fee to the bank. The interest on a fixed deposit shall be calculated according to the deposit interest rate on the date of issuance of the certificate of deposit.

In the case of early withdrawal, the interest will be calculated according to the current deposit interest rate on the date of withdrawal. If the withdrawal is overdue, the interest shall be calculated according to the prevailing deposit interest rate on the date of withdrawal. I can apply for a small pledge loan with my certificate of deposit.

3. If a depositor withdraws an unexpired fixed savings deposit in advance, he or she must present the deposit certificate and the depositor's ID card.

processing; If the depositor withdraws money on behalf of the depositor, the withdrawer must also hold his own personal loss certificate, and calculate and pay the interest rate according to the current savings deposit interest rate announced on the date of withdrawal. The drawer should also sign the name of the drawer on the proof of payment. For fixed deposits that have not yet matured, depositors can withdraw part of them in advance as required, and the verification procedures remain unchanged.

The interest rate of the early withdrawal part shall be settled and paid according to the current deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid according to the original deposit date and the original interest rate. One-time deposit and withdrawal of fixed deposits can only be made once in advance per CD. If a partial withdrawal has already been made, the savings institution shall indicate the words "early partial withdrawal" on the deposit receipts that have been deposited and the newly opened deposit receipts for the retained part.