This depends on how many years you have saved. If you save 200,000 on a regular basis for 5 years, the annual interest rate can be as high as 5.6%, which means your annual interest will be approximately 11,200, which is considered a relatively high interest rate.

For 200,000, if you deposit for 3 years on a regular basis, the interest rate is different from that on a 5-year term. Generally, if you save for 3 years, the interest rate will be 3.795%, so the annual interest will be 7590.

This is the issue with interest rates, so let’s discuss it next. If you had 200,000 on hand, what would you want to do?

Or if you have 200,000, will you save it or use it to do business to make more money?

What can you do with 200,000 yuan? Let me tell you the story of my friend who started his business with 200,000 yuan. At that time, e-commerce was not that easy. The competition was also very fierce, and there were various models and many platform impacts.

big.

So even if he wanted to invest in this area, he might not be able to get a return, and he might also lose money. With the 200,000 yuan, he planned to start an e-commerce business, but after some research, he chose to give up.

He took this wallet and went down to a warehouse, which was full of ceramic products. Then he went live to sell the goods on various platforms. In the end, he used the 200,000 to make many times. I have to say that sometimes

With courage, 200,000 can become 2 million.

If you don't have the courage, then the 200,000 yuan may have to be eaten up by interest.

For the elderly, 200,000 yuan is suitable for depositing in the bank. I have a relative who lives in a rural area. Then the local area was relocated, so he gave me a sum of money.

After getting the money, the old man chose to deposit it in the bank and divided it into several batches, basically three or five years, and then he also earned interest every year.

In fact, there are still many such situations, because for the elderly, they do not need to start a business. They have pensions and have nothing to worry about eating and drinking every day. In addition, their children will also take care of and supplement the elderly, so their money is basically

Just keep it in the bank.

And we often hear a saying that the elderly save money for retirement, so putting money in the bank will make the elderly feel more at ease.

It is difficult to start a business. It is possible to lose 200,000 yuan. There was a colleague who quit his job and wanted to start a small business. At that time, he invested about 150,000 to 60,000 yuan to open the store, but the business failed.

Unsatisfactory.

After working for a year, the store couldn't continue to operate. The 200,000 was considered a loss, and then I still owed a lot of debt.

Sometimes it is really difficult to do business. Not everyone can be successful in business, so if you have 200,000, then you have to seriously consider what you want to do with the money.

If this 200,000 yuan is lost, can you accept it?

For young people, life is full of ups and downs. When you encounter problems, you solve them, and when you encounter difficulties, you overcome them.

Although it is said that money can be earned again, it is very difficult to truly earn it back.