Is it better to go to the bank to deposit a large deposit certificate, or to do financial management and so on? According to my many years' experience in the bank, I tell you clearly: deposit in the bank regularly, and after 12 years, you will have 4,718,8 yuan of assets! If you deposit 3 million yuan in the bank, it is a large deposit certificate, and the interest rate is 2% higher than the central bank's interest rate. Generally, it is between 4% and 4.5% every three years.
It's good to deposit 3 million yuan in the bank for a large deposit certificate
Once, an aunt in Beijing bought a fund share of 47, yuan in 23, and reinvested it with dividends. After 17 years, when I remembered it again, the number of checking funds increased to 1.37 million, a full 28 times. Fortunately, this aunt was forgotten. If she hadn't forgotten it, it wouldn't have become 1.37 million. If ordinary people had taken it out long ago, there would have been no subsequent 1.37 million. So this aunt is lucky, in fact, just like buying lottery tickets, one in 1 thousand, and there is little hope!
is it better to do financial management and so on?
the important thing is to say three times, you must deposit it in the bank, and don't buy wealth management and funds, just buy government bonds and time deposits. If you buy the wealth management, it will not break even now. If it is profitable, it can be given to you according to the contract. If it is not profitable, there will be no interest. Now this situation is even more difficult to buy, and most funds have lost. Moreover, if you want to use the money, you can't take it whenever you want. You must take it on the day, and you have to wait a few days for the money to arrive. If you take it, you can't even get back the original amount of capital, and you have to deduct the default fee, not to mention giving you interest.
Some wealth management products purchased by ordinary people seem to have a high yield, but the actual yield after maturity is very low, which is not as high as the regular products deposited in the bank. Before purchasing, the staff talked about the high yield of wealth management products. Some products have exceeded 4.5%, but they are all expected returns. They are all non-guaranteed floating products, which are actually not that high, thus misleading you. Buying wealth management products is unreliable and risky. It's safer to keep the money in the bank honestly, and my heart is practical. There is no free lunch in the world, and there is no good thing of dropping pies. Remember!