0 1. The capital flexibility is high, but the income is relatively low.
Money funds, such as Yu 'ebao and Bitong, can pay off their income while depositing. The current annualized rate of return of Yu 'ebao is 2.06%, and the currency is 1.9 1%.
Some people don't know how to calculate interest. Assuming that it has been saved for eleven thousand years, it is the difference between 206 yuan and 19 1.
Bank time deposit is a well-known financial management method. At present, the interest rate of bank time deposit is 2. 1% for one year, 3.2% for three years and 4. 1% for five years.
Although the bank time deposit can be withdrawn with the deposit, once it is not withdrawn in advance, the interest can only be calculated at 0.38% of the current account.
02. The elasticity of funds is low, so there is no way to withdraw in advance before the deadline, and the yield is relatively high.
What I'm talking about here is regular financial management. There are 7 days, 30 days, 60 days, 180 days and one year for regular financial management, and the yield ranges from 2.8% to 4.8%. The longer the term of regular financial management, the higher the income, but the lower the relative flexibility.
Things can be divided into two sides. Although regular financial management can't be redeemed in advance once it has not expired, it is a defect for those who want to use money, but it is a rare tool for those who want to get rid of the status of moonlight clan, which can play the role of compulsory savings.
03. Bond funds, long-term holding can stabilize compound interest.
If you want to accumulate funds for yourself in a few decades, bond funds are a good choice. The longer you hold it, the more stable your income will be.
According to the historical rate of return of bond funds, holding them for more than five years can basically achieve 30% compound interest. It should be noted that bond funds have exit risk when the economic situation is not optimistic, and long-term holding at maturity can be smooth.
It is impossible to want high interest and safety, which is equivalent to both fish and bear's paw.
The benefits of financial management are always in direct proportion to the risks. Once you have safe financial management and high income, you should pay attention to preventing risks.
The epidemic is spreading around the world, and many people are worried that the epidemic in some countries will get out of control and bring some disasters to the whole world, so we should be prepared for asset safety.
According to the current situation, where is the money safe and the interest is high? This kind of investment and financial management is killing two birds with one stone, with safe principal and high interest income.
In addition, according to the characteristics of major investment and wealth management products in 2020, if the principal is safe and the interest income is high, you can choose the following two investments:
(1) Bank deposit
Bank deposits are divided into demand deposits, time deposits, large deposit certificates and smart deposits.
These four kinds of deposit principals are all safe. After all, bank deposits are guaranteed capital and interest. Although the bank is bankrupt, the bank deposits are all safe, and they are all compensated by the deposit insurance fund, the bank acquirer or the contractor.
Therefore, since bank deposits are safe, of course, it is safer to choose high interest rates, large deposit certificates and smart deposits than smart deposits.
According to the five-year fixed deposit interest rates of major private banks in 2020, the annual interest rate will reach at least 5%, which is relatively high compared with the bank deposit interest rate, and of course it is also a safe and high-interest investment choice suitable for the current epidemic.
(2) National debt
Nowadays, many people are familiar with national debt, which is based on national credit and is called the safest of all investment and wealth management products. It is also called a zero-risk investment tool, and the security of national debt is the highest.
Since the national debt is safe, we should consider the interest income. In fact, the yield of national debt is not low, and the annual yield is between 4% and 5%, which has already defeated the income of many low-risk wealth management products.
Therefore, at present, choosing to invest in national debt is an investment choice that conforms to both security interests and high returns.
What are the safe and profitable investments at present?
In fact, the exclusion method can be used on this issue, and the final remaining products are the target products that meet the investment.
The principal is safe. At present, among many investment and wealth management products, the products with capital preservation rank are national debt, bank deposits, money funds and bank capital preservation wealth management products.
From the analysis of yield, there are many products with high yield, such as accumulated stock trading, futures trading and gold trading, as well as wealth management products such as securities, insurance and banks, which are eliminated because of high yield but high risk.
After screening the currencies in this way, it is safest to save money now, and the interest income is bank deposits and national debt, followed by money funds and bank capital preservation and wealth management, all of which are low-risk, risk-free in principal and high in interest income. These wealth management products are the best.
In short, affected by the global epidemic, bank deposits and national debt are very in line with the market with safe interest income and high interest income.
Deposit security and high deposit interest are contradictory unity. To give consideration to both, we must have a deeper understanding of bank deposits.
For bank deposits, safety is the first priority. It is also a skill of investment and financial management to find high returns as much as possible on the basis of safety. Today, I want to share this problem with you.
Regarding the security of bank deposits, we must understand the deposit insurance system. The so-called deposit insurance system means that we deposit money in the bank, and the bank will help us pay the deposit insurance premium, which is a mandatory requirement of the People's Bank of China.
After paying the deposit insurance premium, if the bank goes bankrupt, our personal deposits in the bank will be protected by the insurance fund. Under the same ID card, the principal and interest of individual deposits within 500,000 yuan in the same bank are preferred.
For example, I deposited 400,000 yuan in Bank A. One day, Bank A went bankrupt, and my principal and interest totaled 460,000 yuan, so I could get it from the bank designated by the state and give priority to paying 460,000 yuan. In this way, although the bank went bankrupt, I didn't lose anything.
For another example, I deposited 600,000 yuan in Bank A. When the bank closed down, my principal and interest totaled 680,000 yuan, and the deposit insurance fund only paid me 500,000 yuan first. The remaining principal and interest of RMB 6,543,800+0.8 million need to be paid after the bank goes bankrupt, such as bankruptcy liquidation. The result was 60% compensation, and I only got 6.5438+0.08 million compensation, and the remaining 72,000.
As can be seen from the above two examples, as long as the deposit in the same bank does not exceed 500,000 yuan, the principal and interest are absolutely safe. With this premise, you can find high-interest bank deposits.
Which bank has a high deposit interest rate now? This information can be found in various banks. At present, banks with relatively high interest rates are mainly small commercial banks, mainly city commercial banks and rural commercial banks, and some newly established private banks. Their deposit interest rate can generally reach more than 4%.
However, there is an upper limit on the interest rate of bank deposits, and it is impossible to raise it indefinitely. At present, the highest interest rate on bank deposits is around 5.4%. If the interest rate exceeds this level, it is probably not a bank deposit, so it is not protected by the deposit insurance fund. Without security, no matter how high the interest rate is, it is useless.
So the answer to this question is that the deposit in the same bank should be within 500 thousand, and then when the interest rate is lower than 5.4%, try to choose the deposit with high interest rate. There are many such banks, and you can find them yourself online.
Hello, my friend, there are two good places to deposit money safely: banks and national debt, which are really safe and have high interest rates. Not only that, there are many terms for purchasing deposits on some large financial platforms, so you can choose flexibly and enjoy high returns at maturity. Safe and profitable, win in one fell swoop.
First, analyze where to save money and be safe:
1, bank deposit products of banks or large platforms. The deposit itself, with guaranteed capital and interest, is also guaranteed by the deposit insurance system, which is very safe. Banks and large financial platforms have a long history, outstanding reputation, strict management and formal procedures. It is safe to deposit money or buy bank deposit products there, and the product innovation interest rate is very favorable. For example, the interest rate of one-year dividend-paying deposit products on big platforms can reach 4.5%, ok.
Summary: It is not only safe to buy deposit products from banks or big platforms, but also enjoy high interest rate concessions.
Secondly, buying government bonds is similar to saving money. Small money can also enjoy high interest rates, which is flexible and convenient:
National debt, as its name implies, is a bond issued by the state. Sexual desire is naturally high, and the source of repayment is guaranteed. Moreover, the state issues bonds for construction, which in turn directly returns the income to investors, and the income is naturally high, reaching 4% in three-year coupon rate and 4.27% in five-year. Moreover, it is inclusive, and you can buy it for 100 yuan, or you can buy it yourself at an online agent bank. Convenient and popular, it is a traditional safe and economical place. In particular, electronic government bonds pay interest annually, which is flexible and changeable.
Summary: buying government bonds is beneficial to the country and the people, safe and flexible.
Finally, summarize and analyze:
Saving money to keep safe is the wish of our people. Our people hope that I can get some benefits and try my best to keep the value. After all, it is not easy to make money, and it is all saved.
Relatively speaking, bank deposits and national debt are good places for ordinary people to save money. Moreover, some innovative deposits and government bonds of banks have high and stable interest rates, which can be said to be good products for saving money safely and eating high interest rates.
Under the deposit insurance system, the deposit products and certificates of deposit are also very safe for formal and legal banking financial institutions. As long as the depositor's deposit amount is less than 500 thousand yuan, he can be protected by the deposit insurance system. Compared with big banks, small and medium-sized banks and even private banks have higher deposit interest rates, which may be their demand for deposits. However, as long as the depositors' deposit funds are not particularly large, they can disperse their assets into the deposit products of some small and medium-sized banks and even private banks under the background of deposit insurance system to meet the needs of safety and high interest rates.
Where is the safest place to deposit money now and the interest rate is relatively high? Banks are definitely the first choice for saving money, and they are state-owned commercial banks.
The probability of bank bankruptcy in China is extremely low, which is due to the perfect banking supervision system and strong supervision. However, this risk still exists. Therefore, if you have a large amount of funds, I suggest you run a state-owned commercial bank.
Of course, compared with p2p, trust and investment companies and other institutions, private banks are more secure, while for deposits below 500,000, as long as they are in regular banks, the security is the same, which is guaranteed by the Bank Deposit Insurance Regulations.
If we want to pursue profit at the same time, the yield of private banks will definitely be higher. Among Alipay's wealth management projects, the bank deposit project launched by Shengjing Bank has a high yield, with a 5-year deposit rate of 4.7 1% and a 90-day deposit rate of 4%. If you don't have a lot of money, it is recommended to consider the bank deposit projects of these private banks.
If the amount of funds is large, it is suggested to spread risks appropriately, or it is safer to have state-owned commercial banks.
[Xia Guan] If you want to save money now, the security is high, but now the interest is not high, and it is good to reach 5%. If you deposit money, we can generally deposit it in banks or third-party platforms, but if you want to get high interest, you still need to invest in other wealth management products.
According to the length and security of funds, we have the following categories:
Now Alipay's balance treasure is like this. It was very popular when it was first introduced. The annualized rate of return can reach about 6%. Although the annualized rate of return is less than 2.5%, Yu 'ebao is still very popular. The main purpose of people to deposit money in Yu 'ebao is to facilitate turnover, transfer and payment, and make profits every day.
It's really convenient for me to save the money I need in a month for my daily expenses.
This kind of products are mainly term bank wealth management products, with 7 days, 60 days, 90 days, 180 days, 360 days and more than one year. Once such products are bought, they cannot be redeemed before maturity, so you should arrange your own funds reasonably before investing, and the rate of return will change with the length of time. The longer the time, the higher the rate of return.
Divided into capital preservation type and non-capital preservation type, the capital preservation type is about 3%, and the principal and interest are guaranteed, which can be properly considered. The non-guaranteed rate of return can be close to 4%, which means that if our principal is 654.38+ 10,000 yuan, the annual interest will be 4,000 yuan.
National debt, that is, the state's guarantee to us, can be understood as risk-free income, which is safer than the bank's non-guaranteed wealth management products, but the investment time of national debt will generally be longer, which needs our consideration.
In fact, the interest rate of national debt is not low, and the annualized rate of return is about 5%. If the idle money is not used for a long time, it is cost-effective to allocate national debt, because the security is guaranteed and the income is ok.
In short, investment needs to be balanced and there is no absolute advantage. We need to build a good investment portfolio. For example, you can buy some bank wealth management products and some national debt, and you should also have short-term funds around you, that is, Yu 'ebao.
Saving money, as the name implies, is saving money. Generally speaking, putting money in the bank is generally called saving money. If you "save" money in other places, it is generally called investment and wealth management, some are formal channels, and some are black platforms, which is to prevent security.
So is it safe to deposit money in the bank? If it was before, there might be nothing to worry about, because no one believed that domestic banks would fail. But now many small banks, such as private banks, are scattered, and some small banks with poor strength do have the possibility of bankruptcy. At present, there have been real cases of bank bankruptcy. This kind of situation is still rare in China, but it is very common abroad.
Of course, don't worry too much, because the deposit insurance regulations stipulate that you can pay in full within 500 thousand. Simply put, as long as your deposit in the bank plus interest does not exceed 500,000 yuan, even if the bank goes bankrupt, you can get it all back.
For some small banks, it is necessary to implement the standard of less than 500 thousand yuan to prevent problems before they happen. But for large state-owned banks, there is no need to worry about this. Because they can earn hundreds of millions every day, it is impossible to go bankrupt easily with such profitability, and others are not worried about saving billions or tens of billions, so small depositors can naturally relax.
When it comes to which interest is higher, it depends on whether we can find out carefully. Because of the current interest rate cuts, the market generally has low interest rates. But we can choose from two ideas. One is that the interest of small banks will be higher than that of big banks, and the other is that long-term deposits will be higher than short-term deposits.
Bank deposits can be divided into ordinary time deposits, large deposit certificates, structured deposits and smart deposits. Each deposit product has different characteristics and interest rates, which can meet the needs of different depositors. If you are more interested in high interest rates, you can choose smart deposits from private banks, many of which can reach interest rates of around 5% in 3-5 years. Although the fixed number of years is relatively long, it can also avoid the impact of interest rate cuts in the later period. This deposit method is recommended as long as the money you invest is not in a hurry.
Bank deposit products are the first choice for saving money, and most other channels are investment and wealth management, which have certain risks and fluctuations in income, not fixed interest rates, and can only refer to previous income.
1. At the end of the quarter, at the end of half a year, at the end of the year, due to special time points, you can provide interest of one thousandth of a few days, which can be very large.
2. Grade A in the graded fund is the only product that can clearly write the income into the contract. Interest income is between 3% and 6%. Different products have different benefits, and the highest is the securities grade A.
3. The reverse repurchase of national debt is combined with monetary funds. The reverse repurchase of national debt is bought on holiday T-2, and holiday T- 1 gives all holiday interest. Holiday T- 1 funds are not desirable. At this time, buy money funds and get holiday interest income. Through this combination, we can get double interest on all holidays.
4. Some convertible bonds, we have some convertible bonds, and the current maturity income is 4-5%. Convertible bonds include the nature of bonds, that is, repayment of principal and interest at maturity; At the same time, as a special product, convertible bonds contain shares. If convertible bonds are converted into shares, you can get a conservative 5% return instantly, less than 100 yuan, that is, convertible bonds with face value. It is a wealth management product that can get interest and extra surprises.
For products 2, 3 and 4, corresponding accounts and permissions need to be opened.
Safe financial management tools, bank deposits, insurance annuities, national debt, fixed investment of index funds, and money funds.
The one-year financial management threshold of bank deposits is relatively high, and the principal will be more profitable. Online companies such as Jingdong Finance, Du Xiaoman, Xiaomi Finance and Alipay all have bank selections, and the highest income can reach 5%, which is not bad. There is 100% deposit insurance within 500,000 yuan.
The vast majority of insurance financing in the market is not worth buying, and the income is low. Even if there is, it is very few annuity insurance. 4% yield is a good product, and it is different from the bank's interest rate. The bank is simple, and the insurance annuity is compound interest, which is suitable for pension planning.
Treasury bonds yield 3%-4%, which is difficult to buy.
The index fund is a fixed investment, which is suitable for holding in 20.30 years. There are short-term fluctuations, and long-term holding of 6%-7% is not a problem. Most people can't stand falling and can't stick to a fixed investment.
Money funds are like Yu 'ebao, flexible and flexible, but with low returns.
Now that the economy is slowly declining, except for the fund's fixed investment, others will gradually lower the interest rate, so it is early.
Comparative recommendations suitable for the needs of the landlord: online bank deposits (such as Jingdong Finance), a very small number of insurance pure annuities, and fixed investment by index funds.