If you have a million, you can first deposit half of it in the bank, and then buy the bank's investment and financial management, stock funds, etc. Eggs cannot be put in the same basket.

1. Diversified investment

You can divide this 1 million into two parts of 500,000 each. One part is to purchase a smart deposit from a private bank. Smart deposits with a maturity period of more than 1 year are Above 4%, the remaining 500,000 will be purchased from small banks’ large-denomination certificates of deposit, which have a five-year term. This method of depositing 1 million yuan is the best way. The safety of the deposit principal, the deposit interest, and the liquidity of the deposit funds are also taken into consideration.

2. Cross-bank investment

If you have 1 million yuan, it is better to deposit it in the bank than to buy a house. If you save such a large amount of money in the bank, you can choose a three-year large certificate of deposit with monthly interest payment. The annual interest rate is 4.18%. You can earn 41,800 yuan in interest in one year. This is a safe and stable income. Of course, from the perspective of liquidity and safety, the 1 million yuan can be divided into three or four parts and deposited in different banks, or two banks can be chosen to deposit them separately in the name of the couple. If you want higher returns, you can deposit 700,000 yuan in large-denomination certificates of deposit for 1 million yuan, and deposit 300,000 yuan into five-year deposits in three private banks with high interest rates. In this way, the comprehensive rate of return can exceed 4.5%.

: Bank deposits are funds stored in banks and are a component of monetary funds.

1. Bank deposits

According to the provisions of my country's cash management system, every enterprise must open a deposit account at the People's Bank of China or a professional bank to handle deposits, withdrawals and transfer settlements , the enterprise's monetary funds, except for a small amount of cash that can be kept within the prescribed limit, must be deposited in the bank. The enterprise's bank deposits mainly include: settlement account deposits, letter of credit deposits, deposits from other places, etc. The cashier is responsible for handling the receipt and disbursement of bank deposits. For each bank deposit income and expenditure business, accounting vouchers must be prepared based on the original vouchers that have been verified to be correct.

2. Concept

Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. Basic deposit accounts refer to the accounts used by enterprises to handle daily transfer settlement and cash receipts and payments. A general deposit account refers to an account opened by an enterprise for transfer of bank borrowings other than the basic deposit account, and an affiliated non-independent accounting unit that is not in the same location as the enterprise with the basic deposit account. This account can handle transfer settlement and cash deposits, but cannot Withdraw cash. Temporary deposit accounts refer to accounts opened by enterprises due to the needs of temporary production and operation activities. This account can not only handle transfer settlements, but also deposit and withdraw cash in accordance with cash management regulations. Special deposit accounts refer to accounts opened by enterprises for specific purposes. account. Businesses can only open general deposit accounts at a few branches of a bank. An enterprise's bank deposit account can only be used to settle the unit's production and business activities, and the account cannot be rented or lent.