If you buy a time deposit, you should withdraw it after the time limit, say, three or five years. The interest rate of this kind of deposit is a little higher than that of ordinary deposit, and most people will buy it. In addition to time deposits, there are actually large deposit certificates with higher interest rates, but the starting point of purchase is relatively high, and people with less funds may not be able to afford them. Putting money in the bank is indeed a way of managing money, but the income obtained in this way is relatively small, which may not be comparable to the rising inflation rate. Some people will divide their money into two parts and invest in some stocks or futures.

Banks are very trusted by people, especially state-owned banks, which are relatively large in scale, long in existence and supported by the state, so people are willing to put money in them and are not afraid of bank failures. Some people prefer to deposit their money in credit banks because the interest rates of these banks are a little higher than those of state-owned banks. Maybe they know their weakness and want to attract consumers from the deposit interest rate and let them save money. However, private banks may not be very safe. For example, in several village banks that used to be thunderous and rainy, user deposits could not be taken out, and there were many things involved in the follow-up. Therefore, it is a good choice to deposit money in state-owned banks, especially to buy time deposits, which will really get more income in the end.

Bian Xiao has talked about ways to manage money, such as buying stocks or futures, but it needs a lot of money. Some people have a total deposit of only a few hundred thousand. At this time, you can deposit directly in the bank, and don't make other investments, because your risk-taking ability is weak. If you have more than1000000, you can try to invest in funds or fire some stock journalists. You can't be greedy and throw them out after making profits.

Financial management is always a hot topic, but most people can't understand it. You can read more popular science articles or do more strategies.