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How to deposit time deposits in the bank more economically?
If you have more spare money, but it is not urgently needed, I suggest you choose long-term lump-sum deposit and withdrawal, preferably three to five years, so that the interest income will be more than the current one, and the risk is very low. Many old people will choose this deposit method. After choosing a five-year time deposit, the interest rate can reach about 5.5% without much thought and energy. This deposit method is perfect for him.

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.