Where is the right place to save money now, with high and safe interest?

The return and risk of financial investment are directly proportional, the high interest corresponds to the high risk, and the low interest corresponds to the low risk. If you want to save money at a high interest rate and be safe, you can consider large bank certificates of deposit or treasury bonds. You can view the large-value certificate of deposit series through Ping An Pocket Bank APP-Finance-Deposit+, learn more about and purchase.

Keep in mind that high returns must be accompanied by high risk probabilities, if we talk about bank deposits that are not investment and wealth management (according to the new regulations on asset management, wealth management products cannot promise to guarantee principal and returns).You can pay attention to large-value certificates of deposit or smart deposit products issued by small and medium-sized banksAccording to the provisions of the "Deposit Insurance Law", individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank. Bank Smart DepositIt has the advantages of high liquidity (interest can be calculated in different tranches or withdrawn in advance), and the interest rate is higher than that of general time deposits. At present, many small and medium-sized banks have issued smart deposit products, which are generally sold through cooperative Internet platforms.

There are some smart deposits issued by banks on the platform, such as the "Zhongbang Duo Bangli" bank deposit product, which calculates interest by file, the highest withdrawal yield, the interest rate from the day of transfer, no restriction on holidays, real-time arrival on the day of withdrawal, support for withdrawal at any time, no limit limit.

orPay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

It doesn't seem to be such a good thing, only the investment interest rate is high but not very safe, and the interest rate is not high in a safe place.

First of all, safety.

Is it safest to put your money in? There are currently two safest ways to do this. The first is deposited in a bank, where the deposit is guaranteed by a deposit insurance system.

Even if the bank is really at risk, funds below 500,000 yuan are protected by law. If there are more funds, such as 1 million, there can be two banks, which can ensure the safety of funds. The second is the purchase of treasury bonds, also known as ** bonds, which are bonds issued with national credit as a guarantee.

The risk is extremely small, so it is also safe.

For example, various other financial products, various P2P, and investment** are basically risky. Although some wealth management products are low-to-medium risk, they are theoretically risky. Then, the safest way, in the end, it is possible to choose bank deposits and treasury bonds, and the next thing is to look at the income.

Second, the rate of return.

The bank's deposit interest rate is only the listed interest rate for one-time time deposits, and the listed interest rates for three-year and five-year time deposits. In the actual deposits, the interest rate of branches and outlets will rise, generally about 2% for one-year deposits, and about about three-year and five-year deposits. If the funds are not needed in the short term, you can choose a three-year term with a higher relative return.

Banks also have large certificates of deposit, which are protected by a deposit insurance system like standard deposits, and have a higher interest rate. The interest rate of three-year large deposits is around, but large deposits require 200,000 yuan to be deposited, which has certain requirements for the amount of funds. You'll need to look at your bankroll before you can choose.

Savings bonds are available at all bank outlets. The interest rate on three-year savings bonds is 4%, which is much higher than the listed interest rate for time deposits during the same period. If you don't have high liquidity requirements, it's more appropriate to buy a three-year bond.

Based on the above analysis, at present, it is the safest way to keep money in the bank and buy treasury bonds. If interest is paid, the interest rate on a three-year fixed deposit is relatively high, around the limit. If the amount of funds exceeds 200,000 yuan, the interest rate of the three-year large-amount certificate of deposit is about.

In terms of government bonds, you can choose a 3-year savings bond with an interest rate of 4%.

Overall, ICBC is high and safe. But not necessarily, the general deposits are basically deposited in the bank, and the interest received by different banks is also different. There may be banks with high interest rates and some banks with low interest rates. Take the Big Four banks as an example.

1. Current deposit interest rate.

Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China all have demand deposit interest rates.

2. The interest rate of fixed deposit and lump sum withdrawal.

1.Three-month lump sum deposit interest rate: The three-month lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the three-month lump sum deposit interest rate of China Construction Bank is.

2.Six-month lump sum deposit interest rate: The six-month lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the six-month lump sum deposit interest rate of China Construction Bank is.

3.One-year lump sum deposit interest rate: The one-year lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the one-year lump sum deposit interest rate of China Construction Bank is.

4.Two-year lump sum deposit interest rate: The two-year lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the two-year lump sum deposit interest rate of China Construction Bank is.

5.Three-year lump sum deposit interest rate: The three-year lump sum deposit interest rate of ICBC is, the three-year lump sum deposit interest rate of Agricultural Bank of China and Bank of China is the same, and the three-year lump sum deposit interest rate of China Construction Bank is.

6.Five-year lump sum deposit interest rate: The five-year lump sum deposit interest rate of ICBC is, the five-year lump sum deposit interest rate of Agricultural Bank of China and Bank of China is the same, and the five-year lump sum deposit interest rate of China Construction Bank is.

Among the four major banks, the interest rate on demand deposits is the same, while in the interest rate of lump sum deposits and withdrawals, China Construction Bank is the middle of the four major banks.

The interest rate of commercial banks is relatively high, such as Shanghai Pudong Development Bank, China Everbright Bank, etc., and the Postal Savings Bank of China is relatively high among the six major banks.

In the context of China's economic improvement, the safety factor of various commercial banks and foreign banks is the same as that of the six major banks, and there is not much difference.

The interest rates of all banks in China are established on the basis of the benchmark interest rates of the People's Bank of China, and there is still a certain deviation between the actual listed interest rates and the benchmark interest rates of major banks, and the interest rates in each place are also different.

Further information: Deposit refers to the temporary transfer or storage of funds or currency in a bank or other financial institution by the depositor under the condition of retention of ownership, or the temporary transfer of the right to use the funds or currency to a bank or other financial institution, which is the most basic and important financial behavior or activity, and is also the most important credit fund of the bank**.

Type of deposit. Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits, time deposits, fixed deposits and fixed deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

Summary. Dear, I am glad to answer for you, deposit money postal bank bank interest is high and safe. 1. Postal Bank.

The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very obvious. 2. Industrial and Commercial Bank of China. The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks.

Dear, I am glad to answer for you, deposit money postal bank bank interest is high and safe. 1. Postal Bank. The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very obvious.

2. Industrial and Commercial Bank of China. The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks.

3. Agricultural Bank of China. The interest rate of the Agricultural Bank of China for three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest rate of the Agricultural Bank of China for three years and five years is relatively low. 4. Bank of China.

The deposit interest of Bank of China is the same as that of Agricultural Bank of China, whether it is current or fixed, so it can be deposited in either Agricultural Bank of China or Bank of China. 5. China Construction Bank. The interest rate of CCB's fixed deposits for three months, six months, one year, and two years is higher than that of industry and commerce, agriculture, and Bank of China, but a little lower than that of postal services.

And for three and five years, the interest is the lowest, only.

Summary. Hello, it is a pleasure to serve you and answer your questions; Banks have high interest rates and safe banks, as follows; 1. Bank of China: Bank of China is the largest commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe.

2. Industrial and Commercial Bank of China: Industrial and Commercial Bank of China is the largest state-owned commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high. 3. China Construction Bank:

China Construction Bank is the largest joint-stock commercial bank in China, and its deposit interest rates are relatively high, and it is also very secure. 4. Agricultural Bank of China: Agricultural Bank of China is the largest rural commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high.

5. China Merchants Bank: China Merchants Bank is the largest multinational commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high.

Hello, it is a pleasure to serve you and answer your questions; Banks have high interest rates and safe banks, as follows; 1. Bank of China: Bank of China is the largest commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe. 2. Industrial and Commercial Bank of China.

ICBC is the largest state-owned commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe. 3. China Construction Bank: China Construction Bank is the largest joint-stock commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe.

4. Agricultural Bank of China: Agricultural Bank of China is the largest rural business bank in China, and its prudent deposit interest rate is higher than that of Kuanru Town, and its security is also very high. 5. China Merchants Bank:

China Merchants Bank is China's largest multinational commercial bank, with relatively high deposit rates and high security.

Extended Information; Interest refers to the remuneration received by the owner of the fund for lending the funds, which comes from the profits generated by the producer Souqiao using the funds to perform its operating functions. Interest is one of the manifestations of the time value of money, and in its form, it is the remuneration that the owner of the money receives from the borrower for issuing the money money.

If you want to save money, which bank has a higher interest rate? Every bank has its own rules, like a large deposit, his interest rate is higher. The interest rate is also higher for a long year, which depends on what kind of deposit you squat, but you still have to go to a regular bank to deposit, so it is safer.

If you want to save money, which bank has a higher interest rate? There is no security in security, I think as a bank, he also has that kind of risk, no matter when the interest rate of which bank is high, the words are actually the same, just a way to attract customers.

Summary. Saving money is ICBC with high interest and safe. Overall, ICBC is higher and has a higher interest on security.

Generally, deposits are basically deposited in banks, and the interest received by different banks is also different. There may be banks with high interest rates and some banks with low interest rates. Take the Big Four banks as an example.

Saving money is ICBC with high interest and safe. Overall, the ICBC is higher and has a higher interest rate. In general, deposits are basically deposited in banks, and the interest earned by different banks is also different.

There may be banks with high interest rates and some banks with low interest rates. Take the Big Four banks as an example.

Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China all debate the interest rates on demand deposits. 2. The interest rate of fixed deposits is 1Three-month lump sum deposit interest rate:

The interest rates of the Industrial and Commercial Bank of China, the Agricultural Bank of China and the Bank of China are all three-month lump sum deposits, while the interest rates of the three-month lump sum deposits and lump sum deposits of the China Construction Bank are.

In particular, after the adjustment of interest rate pricing, the maximum interest rate on three-year fixed deposits of state-owned banks can only be reached, and the maximum interest rate on large-denomination certificates of deposit can only be reached during the same period. Therefore, it is best to compare multiple banks in the region before making a choice. 2. Commercial banks.

However, although the strength of many small and medium-sized banks, such as urban commercial banks and rural commercial banks, is not as strong as that of state-owned banks, their three-year fixed deposit interest rates can reach above them, and some banks are even able to reach the level of left and right, and they can earn a lot more interest than state-owned banks. 3. Village and township banks. Although there are few village and township banks, the interest rate of deposit time is currently the highest bank, and the three-year fixed interest rate of many village and township banks is given to 4%, although many people are worried about insecurity, in fact, it is not necessary, many village and township banks are behind the large state-owned banks in the shares, and the security is still guaranteed, as long as the village and township banks have pasted deposit insurance logos, empty eggplant belts, then even if they are bankrupt, as long as the deposit is less than 500,000 yuan, they can also guarantee the principal and interest.