Where the money is placed, the income is high and safe, and where the money is stored, the interest

Money is released in the bank with high returns and safety.

Banks, which are the safest, can deposit fixed deposits with interest relatively speaking, and get back the principal and interest after maturity.

Yu Yu Bao, Wealth Management Connect, etc., these are the currencies under the big platform of large companies**, which can be paid at any time, and can continue to generate interest, and the interest is higher than that of demand deposits.

Treasury bonds, bonds issued by the state, are basically impossible to be redeemed, and the interest rate of treasury bonds is higher than that of fixed deposits.

Although all the wealth management products on the market are not principal-protected, some banks still launch principal-guaranteed wealth management products, such as Chao Chaobao of Industrial and Commercial Bank of China.

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%.

It is safest to keep money in your pocket, and you can take it out at any time to have a look, which is more secure.

To make saving money the safest and most cost-effective, there are the following ways:

1. Ladder storage method.

If you deposit money in a multi-year certificate of deposit.

If the interest rate is raised, the opportunity to obtain high interest rates will be lost, and if the certificates of deposit are deposited for a one-year term, the interest rate will be too small, so the tiered savings method can be considered. This method is highly liquid and can obtain high interest rates.

2. Four-point storage method of deposit receipts.

If you have $10,000 now and need it urgently within a year, and the exact amount of money you need each time is uncertain, it is best to choose the certificate of deposit quarter.

3. Alternate storage method.

Each certificate of deposit is deposited as a one-year certificate of deposit after maturity, and the circulation time of these two certificates of deposit is half a year, if there is an emergency after half a year, any certificate of deposit can be withdrawn, this saving method will not only not affect the family's emergency use, but also obtain a higher interest than the current account.

4. Profit and profit storage method.

The so-called profit and profit storage method is also known as donkey rolling.

The deposit method is a savings method that organically combines the principal and interest savings and the small deposit and lump sum savings.

5. Choose a reasonable deposit term.

In the case of very low interest rates, due to the one-year deposit rate.

There is very little difference between the interest rate and the three-year and five-year deposits.

6. Adopt the automatic continuation method.

According to the Bank's continuing regulations, the interest on automatically renewed deposits is calculated based on the interest rate on the day of redeposit.

7. Multi-choice fractional deposit and whole withdrawal.

The total interest is calculated based on the accumulation of the daily deposit, which is the daily accumulation of the deposit, and the interest rate used is the bank interest rate on the account opening date.

8. Choose special storage species.

If the bank has already started an education savings, it can be exempted from interest tax.

Families with filial piety can apply for it, and then they will rely on non-compulsory education.

High school or above).

Proof of schooling, you can enjoy the preferential policy of free interest rate. The three-year period is suitable for families with junior high school or above, and the six-year period is suitable for families with students with more than four years of primary school.

9. Less survival period, due withdrawal.

Similarly, the longer the deposit period, the higher the interest rate, the more interest you will receive, if you have a demand deposit in your hand.

There have always been more, you may wish to use the method of fixed deposit and withdrawal, and the interest rate of one-year is much higher than that of current interest.

Extended information: 1. How to save money with high interest - n single fixed deposit method rolling deposit.

If you are a salaryman and are paid on a fixed day every month, you should never leave your money in your payroll account. Because the salary account is generally a demand deposit with a very low interest rate, if a large amount of salary is left in it, an interest income will be lost virtually.

2. You can withdraw 10% to 15% of your salary income every month and make a 1-year fixed deposit certificate.

Do this every month, and at the end of the year, you will have 12 one-year fixed deposit certificates. From the second year onwards, a certificate of deposit will mature every month, and if there is an urgent need, it can be used without losing interest on the deposit; If there is no urgent need, these certificates of deposit can be automatically renewed, and from the second year onwards, the money to be deposited each month can be added to the certificates of deposit that are due in the current month, and a new certificate of deposit can be made to continue rolling deposits.

Question 1: Is it safe to put too much money? 20 points One way:

You can collect packs all over the world, but you must not change the line... There is another way: you go to open a shop, and you can put the money in the shop, so that you don't have to sell card packs in the future, and it is also convenient to use 、、、

Problem 2: Too much money. Is it safe to put a bank? Banks can fail, but you don't have a safer place than in a bank.

Question 3: How to save more money is the safest 1, one of the safest places is to deposit in the bank, and the five major state-owned banks are safer.

2. If the amount of funds is large, more than one million, you can negotiate with the bank, and generally a part of the interest will be subsidized to you, which is not only safe, but also guarantees the income.

3. Secondly, you can buy treasury bonds, and the income from treasury bonds, if you do not calculate the subsidized interest of the bank, is higher than the interest on the bank's deposits in the same period.

3, and then the purchase of currency ** (Yue Bao and the like are also currencies **), the characteristics of currency ** is high security, daily calculation of income, can be bought and sold at any time, and no handling fee, the income is slightly higher than the treasury bonds.

Question 4: Is it safe to put a bank card if there is too much money? So you should ask if the bank card is safe? Nothing is completely safe, unless you are in a Swiss bank, which should be relatively slightly safer.

Question 5: How to save safely if you have a lot of money First of all, don't leave too much current account on your account.

Secondly, if you open online banking, mobile banking and other electronic banking services, pay attention to setting transaction limits, you can set the limit lower, and then temporarily adjust it as needed.

From the perspective of financial management, personal asset allocation can be considered to split assets and decentralized management, specifically considering fixed-term, bank wealth management, regular investment, insurance, etc.

Question 6: More money in a bank is safe or divided into several banks, it is safer I think it is better to divide several, one is convenient, the other is that if the card is lost, there are other cards, and there is no time to replace the card There are other uses.

Question 7: Is it safe to deposit money on a bank card if I have a lot of money? Either invest large amounts of money or put them in a notebook (you can live regularly) and put small amounts of money in a bank card (try to keep your bank card safe).

Question 8: It is safe to save more money in multiple accounts, or it is best to invest in industry or do financial management, or it will not depreciate quickly.

Question 9: There is a lot of money, what card to use, and it is safe to deposit in a Swiss bank.

Question 10: What should I do if there is too much money in Fantasy Journey to the West?Where do I store it? There is no handling fee for depositing money in a special account at the bank.

First, go in and set up a password for a special account.

After that, you can deposit the money in it. It's better.

Investors are also doomed. So, is it safe to put money in **? Next, let's popularize it for everyone.

**, ** is definitely not in the scope of consideration, so what about bank deposits? It is a pity that the expected annualized interest rate of bank deposits has fallen again and again, but the price has continued to fall, and China has entered the era of negative expected annualized interest rate. At this time, bank deposits are obviously not a good option.

Some people say that the property market seems to be starting to pick up, and the property market should be a good hedging product! It can be clearly told that the property market does show signs of recovery, but it should be noted that the recovery is mainly in first-tier cities, and first-tier cities will always be in short supply. The buildings in the second, third and fourth-tier cities have long been in surplus, and unfinished buildings can be seen everywhere.

Buying a house in a first-tier city, the first requires a large amount of funds, and the second is a lot of restrictions, and you may not be able to buy it if you have money, so the property market is not so fun.

The emerging industry, which is in the early stage and the industry norms are gradually improving, is a good opportunity for investors. Find a reliable platform and get a piece of the action.

It seems that the current situation of the light analysis industry cannot give you a clear investment guidance, so let's teach you how to choose a platform.

1. Expected annualized expected returns

To judge the quality of a platform, the expected annualized expected rate of return is an important criterion, but it is important to remember that the expected annualized expected rate of return is too low, and too high is still a crisis. Platforms that guarantee high expected annualized returns are basically not to be considered, and the safety of funds needs to be put in the first place.

2. Safety

Platform security needs to meet the following dimensions: fund security, account security, information security, expected annualized expected return security, and the platform needs to ensure the security of products in an all-round way.

The security of funds is the primary issue that investors need to consider, and the guarantee of capital security mainly depends on whether the platform pays in full when there is a risk, whether there is an insurance company to protect the rights and interests of users when there is a problem with the account, and whether there is a guarantee company guarantee for various wealth management products. More importantly, the platform should have a sound risk control system.

3. Low investment threshold

With a minimum investment of 100 yuan, you can buy wealth management products with scattered idle funds.

4. Fast redemption

If you want to use the money, you can redeem it directly, and the fast and convenient redemption is also an important criterion.

It is believed that there is no absolutely safe investment platform, and as long as it is an investment, there will be risks. Before investing, be mentally prepared. Finally, investment is risky, so you need to be cautious when starting.