Time deposits, how to save time deposits more reasonably?

Now there is no kind of fixed deposit is only deposited and not withdrawn, or must mature to withdraw, now there are generally three ways to deposit bank fixed and some other financial products (must mature to move the money, not mature can not move, but this does not belong to the time deposit) fixed mainly includes:

1. Fractional deposit and withdrawal. --Deposit sporadically, take out the whole thing, and you can deposit a fixed amount on a fixed date every month. (If you do not deposit the current interest for two months, and the withdrawal is considered fixed when it expires, you can withdraw it at any time according to the current account.)

2。Whole deposit and whole withdrawal. The whole deposit is the whole thing, and the whole part is withdrawn, but it is allowed to withdraw part of the part before it expires, and the interest on the part is calculated according to the current account, and the rest is calculated according to the regular period. It can be withdrawn at any time on a current basis.

3。Agreed deposits. After signing the contract, there are two kinds of deposits, one is when the money on your passbook is full, it will automatically give you a fixed deposit, the other is how much money is left on your passbook, and the rest will be all rolled over to a fixed period.

If you only save and don't take it, you have to go to the bank to ask clearly before you handle it, and many financial management must be due to receive, and if it doesn't expire, I can't touch the money, but I don't know when it will be available, and this is pushed out from time to time. And the amount is generally larger.

If you have a certain understanding of **, you can ask the bank to recommend you a fixed investment**, a fixed date of each month**fixed amount**, which I am doing now. (If you don't know, don't buy it).

You're talking about ABC's regular one-stop pass!

You can save a fixed term in the same book, 3 months to 5 years, and each time you save a different period.

For example, if you deposit for one year and the principal plus interest is automatically rolled over for one year, it is considered a two-year deposit period. However, the second deposit rate is the listed interest rate on the day of maturity of your first year.

It can be withdrawn in advance on a regular basis, and the interest rate is calculated according to the current account. Or it can be withdrawn in advance (part of the withdrawal in advance), each of which can only be mentioned once. The withdrawn portion is calculated at the current interest rate, and the non-withdrawn portion is calculated according to the time of your previous deposit and will not be adjusted.

As long as the fixed deposit is automatically rolled over at maturity, you can only deposit but not withdraw.

If there is an emergency, it can be withdrawn in advance, but the interest is calculated according to the current account.

ABC's fixed-term passbook can help you keep depositing money in the passbook, select the deposit period one by one, and automatically transfer it if you don't need to withdraw it after expiration.

Keep saving money in the same passbook. Save or not take? Are you talking about fractional withdrawals? If you have this business, if you want to deposit it at one time, you can select a village enterprise and then handle the agreed transfer. ，

Deposits are voluntary, withdrawals are free.

1. Change the big into the small.

Let's say you have a large amount of money and want to make a fixed deposit.

It can be split into several smaller time deposits, so that if there is an urgent need, one of them (the unexpired time deposit) can be withdrawn, while the other deposits still receive a fixed income. If you deposit a large amount of time deposit at one time, and you have money to use, the time deposit has not yet matured, then the withdrawal is based on the current interest, so it is not cost-effective.

The most practical way to save money.

Monthly Certificate of Deposit Method

The "12-month unit method" means that a fixed deposit is made every month for a year, and each term is for one year. In this way, from the second year onwards, you will have a small deposit due every month, if there is an emergency, you can withdraw it for use, and you will not lose interest, if there is no urgency, this deposit plus a new deposit together for another year, so snowball.

It will get bigger and bigger, and your wealth will increase. This method is suitable for salarymen with a regular monthly income.

The most practical way to save money.

Day Savings Method

As the name suggests, it is 365 days, save a sum of money every day, and the amount of money saved every day is not the same, the number of savings is very flexible, you can save according to your actual situation, 1-365, save a number, cross out one, until the 365 numbers are crossed, then your deposit is more than 60,000 yuan.

Weekly step-by-step savings method

52 Week Savings Method.

It is a very popular method of saving money internationally. Specifically, it is calculated according to 52 weeks a year, and 10 yuan is deposited every week, for example: 10 yuan in the first week, 20 yuan in the second week, 30 yuan in the third week, and 520 yuan in the 52nd week, so that there are more than 13,000 yuan in a year.

In the same way, you can also save 520 yuan in the first week, 510 yuan in the second week, and 10 yuan in the 52nd week. Let's apply it flexibly according to your individual needs.

The most practical way to save money.

5. Tiered time deposit method

If you have $30,000 to be fixed, you can divide it into 3 parts, which are 1 year, 2 years, and 3 years. After 1 year, the maturity of 10,000 yuan will be adjusted to 3 years, and so on, after 3 years, the certificate of deposit in your hand will become a 3-year certificate of deposit, but the maturity time is different, and the difference is 1 year in turn. With this fixed deposit method, you can balance your annual wealth management maturity.

The most practical way to save money.

6. Savings deposit method

This is very simple, just deposit 1,000 yuan per month on the current treasure, which is now available on many online financial management platforms, and the interest is much higher than that of the bank current account, and it can be withdrawn at any time. When the deposit amount of the current treasure reaches 10,000 yuan, it will be taken out and placed in a time deposit with higher returns.

1. Save for three years, take it after two years, and calculate it according to the current period, not according to the two-year regular calculation.

2. Deposit 10,000 fixed, you can only take 5,000 of them after half a year, 5,000 according to the current account, and the remaining 5,000 according to the fixed one-year, 3. Regular 10,000, save for one year, if you agree to transfer the deposit, the second year with interest will be transferred to another year at the interest rate on the day of maturity, and so on every year, and the cycle will continue until the fifth year.

4. These situations are not the best for family financial management, on the surface, there is no loss of principal, but in fact, a lot of interest has evaporated.

5. It is recommended to divide the deposit into several parts and deposit for different years, so that your interest will not only be current. For example, if you have 30,000 yuan, you can save 10,000 yuan for a period of time, and save 10,000 yuan for a fixed period of one year, but under normal circumstances, you will not use it, and 10,000 yuan for three years. In this way, there is a deposit at each stage, and the earnings are ensured.

6. Satisfied, please ask questions.

A1: Regular 3 years, early withdrawal, interest will be calculated according to current period, not 2 years.

A2: No, it can only be withdrawn once, and the interest is still calculated according to the current interest.

A3: If you fill in the fixed deposit form at that time and fill in the maturity rollover, it means that the fixed interest will always be calculated.

There are two types of fixed savings deposits: lump sum deposit, lump sum deposit, lump sum deposit and interest, and lump sum deposit and withdrawal.

Advantages of Fixed Deposits:

1.Higher stable income: the interest rate is higher, and the interest rate is proportional to the length of the term; ** When there is a big fall, the bank becomes a safe haven;

2.Worry-free and convenient: With the function of automatic rollover after the maturity of the lump sum deposit, customers can transfer the deposits in the account to current or maturity to current through a variety of transfer channels provided by the bank, and customers can also flexibly manage the principal and interest, deposit period, deposit form and so on of their lump sum deposits through the agreed rollover function;

3.Flexible funds: When customers need capital turnover and the lump sum deposit in the bank is not due, they can pledge the lump sum deposit on the account through self-service loan to obtain personal loan financing; Partial early withdrawal can be made once, but the early withdrawal part will be calculated according to the interest rate of the current deposit listed on the day of withdrawal;

4.Low minimum deposit amount: The minimum deposit amount for each currency is as follows: RMB 50, foreign currency: HKD 50, JPY 1000, and other currencies are RMB 10 in the original currency;

5.Multiple deposit tenor options: RMB deposit tenor options: 3 months, 6 months, 1 year, 2 years, 3 years and 5 years; Foreign currency deposit tenor: 1 month, 3 months, 6 months, 1 year, 2 years.

You can apply for a lump sum deposit, a fixed amount of monthly deposits, and a lump sum withdrawal at the end of the year, which can be calculated according to the interest rate of the lump sum deposit.

In this case, it is recommended to go to the bank to buy ** regular investment. The interest rate is much higher than on a regular basis. Of course, this one goes up and down. Save 500 a month. The risk is minimal.

If you are sure to deposit every month, you can choose to deposit and withdraw the whole meal. At the same time, it is required to deposit the same amount every month, and it must be saved.

If you can't confirm that you save the same amount every month, you can only make a fixed deposit every month.

Every bank can do what you call it.

In addition, banks can now provide a fixed deposit passbook, and multiple fixed deposits can be recorded in the same passbook, eliminating the trouble of keeping a fixed deposit certificate.

If you have a fixed deposit of 500 yuan every month, it is recommended to get one"Fractional deposit and withdrawal"Fixed, the term can be one year, three Shen Zhen Zheng years, five years, usually sporadically deposited, when the expiration can be a large amount of widening, you can deposit the general term.

The fixed deposit bank can also handle the "automatic rollover at maturity" business for customers, which can be agreed up to 5 times, which also saves the trouble of going to the bank to renew the deposit after maturity.

To handle the above business, you only need to bring your ID card and fill in the deposit form at the bank.

Hello. Yes, it is in the same account, but it does not affect that they are in different sub-accounts. By default, the bank card 01 sub-account is a current deposit account, if you deposit a fixed 5000, it is sub-account 02.

Fixed deposits can be operated on ATMs, and current deposits can be converted into fixed deposits, but fixed deposits cannot be withdrawn directly from ATMs. When you usually operate an ATM, you usually enter the default current account, unless you specifically choose to check the time account.

The whole deposit and withdrawal for 3 months, 5,000 yuan, there are no special procedures, and the teller can just say it when you make an automatic appointment. If you have a bank card, you can directly transfer the current account in the card to a fixed term, and if you don't have a card, you can open a card with your ID card or open a certificate of deposit.

The formula for calculating the interest on bank fixed deposits: interest = principal tenor interest rate. Calculation of interest on fixed deposits of entities and individuals. According to the grade of the deposit period. On the maturity date of the deposit, the interest will be repaid with the principal. Interest on unit deposits is not subject to interest tax.

In June 2010, you will deposit 5,000 yuan with a term of 5 years and an annual interest rate, and on October 20, 2010, the deposit and loan interest rate will be increased by one percentage point, and your fixed deposit will be calculated at an annual interest rate; If the result of the deposit was different before 93, there was a policy of "high or low". You don't have to pay taxes anymore.