2. Notice deposit
"Notice deposit" is easy to be ignored because it is not very popular. Let's talk about what a "notice deposit" is. In fact, it refers to time deposit. It has no strict withdrawal time limit and can withdraw money according to its own needs. However, it is necessary to notify the bank in advance before withdrawing money, usually 1 day or 7 days in advance.
This deposit method is introduced because it combines the advantages of time deposit and current deposit, and the interest rate is generally higher than current deposit and lower than fixed deposit. It is worth noting that "notice deposit" is also beneficial for banks to arrange funds, ensure proper solvency, improve the utilization rate of funds, and make depositors' short-term idle funds gain greater benefits. This deposit method is very suitable for working-class people with short-term stable demand.
3. Trapezoidal savings method
Although it sounds complicated, it is actually a kind of wealth management portfolio, which puts wealth management funds on wealth management products with different maturities. For example, you can divide 654.38+ 10,000 yuan into three funds: 20,000 yuan, 30,000 yuan and 50,000 yuan, and then do regular financial management for 654.38+0 years, 2 years and 3 years respectively.
After 1 year, when the 1 year wealth management product expires, you can get back the principal and interest, and then you can change all or part of the money into three years. Similarly, after two years, when the two-year product expires, the deposit will be recovered and then converted into a three-year deposit.