The first plan is not to delay saving money: because if you save one day earlier, you will receive one day's interest earlier. Everyone knows the truth that sand accumulates into a tower. The second option is to extend the deposit term as much as possible: although the bank deposit interest rate is not too high now, the short-term time deposit interest rate is still significantly higher than the current interest rate. The funds are well planned. If you don't save for three months, you can save for half a year. If you don't save for three months, you can save for three months. There may be a large interest income waiting for you every year. Assuming that 654.38+10,000 yuan is useless within three months, if you survive, you can only get 180 yuan, while you can get 787.5 yuan if you save it for three months. For depositors with a lot of money in hand, it is best not to waste even 1 day. You can choose 1 day call deposit, which has the same liquidity as demand deposit, but the interest rate of 1. 17% is much higher than the interest rate of demand deposit of 0.72%. In addition, during the interest rate cut cycle, the term of time deposit can be extended as much as possible to reduce the interest rate loss caused by interest rate cut. The third scheme is immediate deposit: for depositors, overdue withdrawal is one of the important reasons that affect the income. Many people don't pay attention to the maturity date of time deposit certificates, and often go to the bank for withdrawal procedures long after the deposit certificates expire. Under normal circumstances, they only pay interest on demand after maturity. It is suggested that depositors with certificates of deposit should check the date of certificates of deposit at any time. Once they find that certificates of deposit expire, they should go to the bank for withdrawal or transfer as soon as possible to avoid interest loss. In addition, at present, banks generally provide automatic deposit business, and depositors can choose automatic deposit according to the arrangement of funds. 4. The splitting of large bills has many advantages: some depositors like to deposit large bills and put a large sum of money in one certificate of deposit. From the perspective of financial management, this way of storing large bills will increase the possibility of interest loss. Once the depositor needs funds for early withdrawal during the deposit period, according to the regulations, regardless of the deposit period, the interest can only be calculated according to the current savings deposit rate, and the interest will suffer great losses, so the risk of large bill deposits is greater. If depositors have a large amount of money to deposit regularly, they might as well split the large bill into several small bills, such as dividing 654.38+10,000 yuan into four parts. Once they are in urgent need of money, they can withdraw one of the certificates of deposit in advance to minimize the interest loss. Fifth, snowballing doesn't have to be done together: during the interest rate reduction cycle, banks will face the risk of lowering deposit interest rates at any time. In this case, for young people with limited monthly balance, if they wait until they have saved a large sum of money to make a time deposit, the interest income will definitely decrease. At this time, you might as well consider putting your spare money into a time deposit certificate, just like snowballing. The advantage of this is that you can not only enjoy the current high interest rate, but also take out a deposit certificate that expires in the current month or has the least interest loss when you need money urgently at any time in the future. Sixth, don't underestimate the interest-bearing income: in the case of diminishing returns from wealth management products, depositors with large funds can increase their income through deposit skills. The best way is to deposit interest, and combine the deposit and non-deposit methods to realize "interest-bearing" financial management. The "interest rolling" storage method first stores fixed funds in the form of "deposit and interest withdrawal", and then stores monthly interest in the form of "zero deposit and lump sum withdrawal", thus obtaining secondary interest. The principal and interest time deposit is 5000 yuan, divided into one year, three years and five years. The value date can be agreed when opening an account, and the interest can be once a month or once a few months. Take RMB 654.38+10,000 yuan as an example, and deposit it by deposit with interest. After one month, the interest will be withdrawn and deposited in another account, with lump sum deposit. After that, you can get the second interest every month, but this way requires you to go to the bank once a month. For example, Mr. Liu has a monthly pension of 6000 yuan. Because he lives with his children for the time being and has no living expenses every month, all his pension income can be used for savings. Mr. Liu intends to reserve a pension fund for his later life, so he can adopt the "interest rolling savings method". You can deposit 6000 yuan into a deposit with deposit and interest (assuming there is a discount), 1 month later, take out the deposit and interest of the first month, and then use this interest to open a deposit account with zero deposit and lump sum withdrawal (assuming there is a discount of B). In the future, the interest will be withdrawn from the A discount every month and deposited into the B discount, so that not only the deposit-principal-interest-withdrawal savings will get interest, but also these interests will get interest after participating in the zero deposit and withdrawal savings. It can be described as a "snowballing usury" way of saving, so that a sum of money at home earns two interests. As long as you persist for a long time, it will bring rich returns. For white-collar families, it has considerable advantages to accumulate funds and living security for future life. The seventh kind of smart deposit, RMB current depositors who regularly upgrade more than 50,000 yuan, all know that they can handle the one-day call deposit or seven-day call deposit business of the bank to maximize interest income. However, you need to make an agreement with the bank in advance to enjoy the notice deposit business. At present, some banks have opened the smart notice deposit business, and the funds in the account can automatically enjoy the notice deposit treatment without prior agreement. As long as the depositor keeps the balance of the deposit account above 50,000 yuan, the bank will automatically choose the most suitable notice deposit type "one day" or "seven days" for the customer. In terms of time deposits, individual banks have also realized intelligent management. When the People's Bank of China adjusts the lump-sum deposit and withdrawal interest rate, the banking system will calculate the critical number of days whether it is cost-effective, and then compare it with the actual number of days of customers' time deposits to determine whether it should be transferred. You can also save depositors the trouble of running around for transfer procedures through automatic transfer. The eighth plan educates saving parents to plan ahead in the new semester. At present, in addition to education savings, all kinds of savings deposits of various maturities have to pay 5% interest tax. If parents need to save money for non-compulsory education such as studying abroad, undergraduate or postgraduate study in the future, they can choose education savings as the form of savings deposit. At present, most banks have set up interest-free deposits for education savings, and the deposit period is mainly divided into three grades: one year, three years and six years. An account can deposit 20,000 yuan, and you can enjoy the tax exemption policy for up to three times, one for senior high school (technical secondary school), one for junior college students and undergraduates, and one for master students and doctoral students. This will earn 5% more interest than ordinary time savings deposits of the same grade.