65438+ ten thousand yuan is deposited in the bank for three years. If calculated at the interest rate of 3%, the three-year fixed interest rate is = 100000x3%x3=9000 yuan. For 65,438+10,000 yuan in cash, the figure is not small, but it does not meet the standard of large deposit certificates, so it is most cost-effective to deposit money in private banks now. At present, many private banks offer three-year deposit interest rates above 5%, but there are no more than 20 private banks that can exceed 5% for three years.

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1. Some people will think, why don't you advise this depositor to spend this 654.38 million yuan on bank wealth management products or other wealth management products? And agree with the view that elderly depositors put 654.38 million in the bank? We have two reasons:

1) After the central bank lowered the RRR several times, the market income of today's bank wealth management products and other wealth management products is the same, and there is a general downward trend. In the future, RRR will continue to be reduced with high probability. As a result, the annualized rate of return, including bank wealth management products and goods base, may be further reduced.

2) Starting from next year, domestic wealth management products will also break the exchange and no longer guarantee the principal and interest, which means that there are also uncertain risks in bank wealth management products. At the same time, in the future, bank wealth management products will no longer talk about the expected rate of return, but hang out the net value data every day. When investors want to pay, they will trade according to the net value listed on the day. This makes risk-averse investors more inclined to deposit their funds in banks.

2. In fact, for the cash of 6,543,800 yuan, the figure is not small, but it does not meet the standard of large deposit certificates, so it is most cost-effective to deposit money in private banks now. At present, many private banks offer three-year deposit interest rates above 5%, but there are no more than 20 private banks that can exceed 5% for three years.

3.65438+ ten thousand yuan three-year interest is basically the same. Now, because China has implemented the interest rate marketization, it is also a bank deposit, and where the money is deposited is very different. If depositors trust the four state-owned banks more, the interest rate will be lower. If it is biased towards small and medium-sized banks, the interest rates given by small and medium-sized banks are higher than those given by the four major banks.