When deposits are certain, the source of interest depends on the bank’s deposit interest rate

The current central bank’s benchmark interest rate is:

1. Current deposit benchmark The interest rate is 0.35%;

2. Time deposit: the three-month interest rate is 1.10%; the half-year interest rate is 1.30%; the one-year interest rate is 1.50%; the two-year interest rate is 2.10%; the three-year interest rate is 2.75 %.

The bank interest calculation formula is also very simple: deposit amount * annual interest rate, so for a survival period of 10,000 yuan, the interest for 1 year is 35 yuan; if you deposit for 1 year, the interest for 1 year is 150 yuan; if you deposit for 2 years For a 1-year deposit, the interest is 210 yuan; for a 3-year deposit, the interest for 1 year is 275 yuan.

Nowadays, the interest rate of Yu'ebao has dropped below 2%. If you want to obtain higher deposit interest, you can consider other financial products.

There is no need to put all our eggs in one basket when it comes to financial management. There are various financial management methods in the current financial market. We can try to invest a certain amount of funds in various fields for financial management. However, when managing finances, you must pay attention to high yields and returns, and avoid blindly following the trend and falling into financial management traps. Among many financial management methods, deposits are considered a relatively safe financial management method, but sometimes it may not be the best choice.

There are currently seven mainstream financial management methods

The first is that the safety factor of bank deposits can be said to be the highest among all financial products, but equally, safety equals income. Low, I don't recommend college students to put their money into regular deposits. On the contrary, when I go to work, if I meet uncles and aunts in their fifties and sixties who want to buy financial products, I always suggest them to buy fixed-term products just to be on the safe side.

The second is stocks. The access conditions for stocks are particularly low. You can open an account with your ID card. The maximum trading commission is 0.3%. If conditions permit, you can try stock trading.

The third is funds, which means investing your money with professionals to make money and then dividing the income among you.

The fourth is financial products. Generally, commercial banks will recommend them to individuals, and the returns are proportional to their risks.

The fifth is futures, such as oil futures or agricultural product futures, which have similar principles to stocks. They can be said to be stocks 2.0

The sixth is p2p, but it is currently the hardest hit area for online fraud and is not recommended to everyone. .

The seventh is private lending, where the income is generally determined by the individual.