Fractional deposit and fixed deposit 10, fractional deposit and fixed term

From moonshine to fixed deposits and simple financial management is a sign of the maturity of consumption concepts in personal growth, and it is a transition that many people have to go through.

In the case of the landlord, I personally think that it is time to start with the simplest deposit. The more scientific ratio is to deposit 10% of all income per month. First go to the bank to open a current account, and as soon as the salary is in hand, go and save this part, and the monthly thunder will not move.

The rest of the money is used for daily expenses and spending. This part of the money should be guaranteed not to be touched under any circumstances, even if there is a temporary lack of money, it is better to find someone to borrow it and pay it back next month!

10% may not seem like much, but you will find that it is not so easy to save, and there are often emergencies to deal with, but as long as you hold on, you will soon have a small harvest after a while. As your money increases a little bit, you will find that you have gradually developed a good habit of sticking to your goals and not spending money indiscriminately.

After a few months of deposit to 5,000 or 10,000 yuan, you can immediately open a fixed savings certificate of deposit, which is usually one year. In this way, it is more troublesome to withdraw the money that has already been saved, which further increases the resistance to impulsive spending.

Wait a little more, haha, then you may also have a better job opportunity, and your income will increase accordingly, and then you will see what kind of financial products you choose.

10% is not just done at the beginning of saving, people who have a more mature concept of financial management abroad will regard this money as "life-saving money", as long as they have income, they will save. It is difficult to say that people will not experience ups and downs in their lives, if one day the investment fails, the company collapses, the economy collapses, and even relatives and friends are unable to give a bite to eat, then it is time to take out the money and use it.

It is recommended to learn more financial knowledge and accumulate a lot.

There is a threshold of 50,000 yuan for wealth management products, so let's accumulate it first.

Including financial products, everything is risky, you may lose money, be cautious, don't be fooled.

1. The interest rate of the lump sum deposit is smaller than the interest rate of the fixed deposit, but I personally feel that it is more suitable for your situation;

2. Suggestion: Choose 1-3 **do**regular investment, which is more suitable for your situation. Of course, the ** selection of regular investment should consider the issue of asset allocation, and the more stable ** is the first choice.

3. Banks have fixed-income wealth management products from time to time, which can be appropriately concerned.

Another: I'm a registered financial planner, and this is personal advice. There are no specific financial products involved here, so you don't have to be suspicious of marketing :)

The lump sum deposit date is not fixed every month, any day is acceptable, or you can deposit in advance.

Fractional deposit is a basic type of bank fixed savings, which refers to a saving method in which depositors agree on the deposit period, monthly fixed deposit, and withdraw the principal and interest at maturity when making bank deposits. The minimum deposit is 5 yuan per month, and it is deposited once a month, and if there is any omission in the middle, it should be made up in the next month.

The deposit period is generally divided into 1 year, 3 years and 5 years. The interest calculation of the lump sum deposit is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table. The procedures for opening an account for a lump sum deposit are the same as for current savings, except that they must be renewed every month according to the amount at the time of account opening, and the procedures for depositors to withdraw in advance shall be handled in accordance with the relevant procedures for lump sum deposits and lump sum time savings deposits.

The interest rate for a lump sum deposit is generally 60% of the interest rate for a fixed deposit in the same period.

The Case of the Answerer]: b

The fixed amount of fixed savings is deposited at a minimum of 5 yuan per month, and there is no limit to excess savings, and the rollover period of the liquid hall is divided into 1 year, 3 years, and 5 years.

The term of the lump sum deposit is 1 year, 3 years, and 5 years.

Lump sum deposit is a basic type of bank fixed savings, which refers to a savings method in which depositors agree on the deposit period, fixed monthly deposits, and withdraw principal and interest once at maturity when depositors care about losing money in bank deposits.

1. Deposit is generally 5 yuan per month, deposited once a month, if there is any omission in the middle, it should be made up in the next month, and there is only one chance to make up for it;

2. The interest calculation of the whole deposit is calculated according to the actual amount of the deposit and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table;

3. The procedures for opening an account for a lump sum deposit are the same as those for current savings, except that they must be renewed every month according to the amount at the time of account opening.

4. The interest rate of the lump sum deposit is generally 60% of the interest rate of the fixed deposit in the same period.

One-year lump sum deposit refers to a savings method in which a customer agrees with the bank on a one-year deposit period, a fixed amount of deposits every month, and a one-time withdrawal of principal and interest after one year. The minimum deposit amount of this business is very low, and the minimum is only 5 yuan. The interest rate is lower than that of fixed deposits in the same period, only 60% of the latter.

The shelf life is usually one, three, and five years.

1. Handle with ID card: The business of fractional deposit and withdrawal is a real-name system, which needs to be handled with an ID card;

2. Agreed amount and deposit period: choose the deposit period and deposit amount within the scope of affordability based on your own situation;

3. Remember to deposit every month: You can deposit on any day of the next month, and you can miss 1 time in the middle, if there is any omission, you should make up for it as soon as possible in the next month;

4. Relatively low returns: The income of zero-based deposits and withdrawals is lower than that of lump sum deposits, which is about 60% of the interest rate of fixed deposits in the same period;

5. Scope of application: Zero deposits can be used as future reserves, including middle-aged and elderly pensions and children's education savings;

6. Withdrawal in advance: When the money is urgently needed, the whole deposit can also be withdrawn in advance, and the interest is calculated according to the current interest rate on the day of withdrawal.