Among all kinds of wealth management products, bank deposits and money funds are both wealth management products with very high safety factor and almost guaranteed capital, which are often compared together. If you have spare money and want to make a very stable investment, would you choose a bank deposit or a money fund?

Bank deposits are generally regarded by ordinary people as the safest way to manage money, and they are capital preservation products. According to the benchmark interest rate announced by the central bank, the bank's one-year time deposit rate is 1.5%, the two-year time deposit rate is 2. 1%, and the three-year time deposit rate is 2.75%. Other commercial banks can adjust themselves to some extent on this basis.

Monetary funds are essentially funds. Although it is not clear about capital preservation, the investment direction is high-security varieties such as bank deposit certificates and central bank bills, which are almost equivalent to capital preservation products. Moreover, the liquidity of the money fund is very strong, far higher than that of bank time deposits. In terms of income, the highest annualized rate of return of money funds is around 3.2%, and the annualized rate of return of most money funds is generally 2.5%.

If you have 654.38 million yuan to invest, choose between money fund and bank deposit.

If you choose bank deposit, you can deposit it for three years according to the interest rate benchmark of the central bank, and the monthly income is 229.38+0 yuan.

If you choose a monetary fund, if you calculate according to the average annualized income, the monthly income is about 208.3 yuan.

From the perspective of liquidity, bank time deposits and money funds are incomparable.

If the amount of funds is large, you can also choose a large deposit certificate from the bank. Take the interest rate of a bank's large deposit certificate as an example: 200,000 deposits, with a one-year interest rate of 2.1%; The one-year interest rate for deposit of RMB 300,000 yuan is 2.18%; /kloc-One-year interest rate of 0/100,000 deposits is 2.28%.

In the case of a small amount of funds, it is recommended to choose a monetary fund, because the monetary fund is very flexible and can be used at any time, and it belongs to the fund and has the function of fund conversion, and can be converted into other monetary funds with higher returns in time. And this part of the funds can be used as emergency funds to meet the daily living expenses of families for 3 to 6 months.

If the funds are idle for a long time and the amount is relatively large, it is a good idea to choose bank time deposits.