What is the stepped savings method and is it feasible?

Ladder savings is a kind of financial management method of separate savings, which is to divide the total savings funds into several parts, and save them for one year, three years, and five years respectively.

It is suitable for both high-income and low-income people, mainly biased towards the moonshine group.

For example, suppose there are 60,000 yuan, which are divided into 10,000, 20,000, and 30,000 respectively. Deposit into one-year, two-year, and three-year fixed deposits respectively.

When the one-year deposit matures, it is rolled over to three years. The expiration of two years is the same as three years. In this way, after two years, the funds of 60,000 yuan and three cents will be a three-year fixed deposit.

In reality, the funding was a year apart. Because every year there is a fund that matures. In this way, you can use one year of liquidity and get three years of interest.

This is known as the tiered savings method. This approach is suitable for interest rate hike cycles. There will be no interest loss caused by the rollover, and the new interest rate policy can be enjoyed after the rollover.

Go to the bank to open a lump sum account and pay your salary every month, first consider the bank to save money; If the storage amount is large, you can also deposit a one-year fixed deposit certificate every month, which can be used for one year. After that, in the 4th to 6th month, a certain amount of funds will be deposited every month as a fixed deposit for 6 months. Such a "step-by-step" operation not only ensures that there is an account expiration every month, but also the amount of free withdrawal.

Yes, the tiered deposit method is a type of fixed deposit.

For example, when the depositor has 200,000, according to the ladder deposit method, the depositor can divide the 200,000 into four equal parts: 20,000, 40,000, 60,000 and 80,000, and then deposit half a year, one year, two years and three years from low to high, which is the approximate way of the ladder deposit method.

Extended information: 1. Characteristics of the ladder deposit method.

Advantages: The operation of this method of saving money is simpler and more convenient than that of Brother Wang, the safety is high, and the starting point is low, which is suitable for both high-income and low-income people;

Disadvantage Because this deposit method is a type of fixed deposit, when the depositor needs a large amount of capital turnover in the short term, he needs to give up the expected return of the fixed deposit, the flexibility is very poor, and the expected return is not high, compared with other investment income.

Low. 2. What are the methods for saving money?

1. The live reform of the money deposit method will be a demand deposit.

Changed to a call deposit.

This deposit method can not only facilitate users to withdraw funds, but also obtain good financial returns, but it is necessary to notify the relevant personnel of the bank in advance when handling the business;

Certificates of deposit. The savings method deposits the funds left in the bank every month according to the regular period of one year, so that there will be 12 certificates of deposit in a year, and if necessary, the certificates of deposit can be withdrawn and matured, and the other certificates of deposit will not be affected in any way, or you can enjoy the relevant income of the time deposit;

3. Pyramid deposit method to deposit funds in batches in the bank from less to more;

4. The method of depositing money in batches is to make a lump sum deposit in the bank, and deposit a certain amount of funds every month.

In addition to the above ways to save money, there are some other ways to save money. But no matter what way it is, only the right one is the best.

3. The tiered deposit method refers to dividing one's own funds into several parts, and making fixed deposits for 1 year, 3 years and 5 years respectively. Tiered deposit is a kind of financial management method of separate savings, which is suitable for a wide range of people, regardless of income, can use this method to manage their own property. There are many ways to manage money in real life, and tiered deposits are just one of them.

It is to divide the current funds into several equal parts according to the size of the amount, and then buy bank fixed deposits of different maturities in order from low to high.

For example, an investor has 120,000 yuan, divided into three parts: 20,000, 40,000, and 60,000, and at the same time, it is deposited into one-year, two-year, and three-year fixed deposits respectively.

When the one-year deposit matures, it is rolled over to three years. The expiration of the two-year empty space will be converted into three years.

In this way, after two years, the funds of 120,000 yuan and three shares will be a three-year fixed deposit.

Among them, the advantages are low starting point, convenient operation and high security, and the disadvantages are: the disadvantages of the tiered savings method are that the flexibility is not high, and when a large amount of capital turnover is required, the expected return of the fixed deposit needs to be abandoned; The expected return is not high, although the purchase is a medium and long-term time deposit, but the expected return is still low compared to other investments.

In the first three months, depending on your ability, you can take out a part of the money every month and save it, and from the fourth month, there will be a deposit that matures every month. If it is not withdrawn, the bank can automatically change it to a 6-month, 1-year or 2-year fixed deposit rate;

After that, in the 4th to 6th month, a certain amount of funds will be deposited every month as a fixed deposit for 6 months. Such a "step-by-step" operation not only ensures that an account expires every month, but also the number of free withdrawals continues to grow.

Hello dear, Tsukino. Yes. The interest rate of the stepped savings method is really high.

1. Because this ladder deposit method can not only reduce the problem of early withdrawal of lost interest, but also mobilize the liquidity of fixed deposits. 2. Since the tiered deposit method has strong income stability in terms of investment, banks are also more willing to provide higher interest. At the same time, compared with ordinary savings, the interest rate of the Tiered Savings method also has more flexibility, and investors can increase or decrease the investment amount according to the change in monthly income to obtain higher interest.

3. In general, the interest rate of the stepped savings method is indeed higher than that of ordinary savings, but how to maximize the return of the branch also requires investors to flexibly control it according to their own circumstances. Only when the Tiered Savings Method is correctly understood and used can the interest advantages of the Tiered Savings Method be truly brought into play and the highest return on investment can be obtained.