1, investment risk
Bank deposits are capital preservation investments, and the principal is protected by the deposit insurance system, so the investment risk is almost zero.
The main advantage of fixed investment is to diversify investment costs and risks, but compared with time deposits, the risk of fixed investment is much higher. The fixed investment of the fund is not guaranteed, especially for stock funds with high risk coefficient. When the stock market is not good, even if it is fixed, it may lose money.
2. Expected return on investment
The interest rate of bank time deposits remains unchanged during the duration, and the interest rate of five-year time deposits is around 2.75%. The expected return is not high, but it is also relatively stable.
The expected return of the fixed investment of the fund is uncertain, which mainly depends on the rise and fall of the net value of the fund unit, but overall, the expected return of the fixed investment of the fund is higher than that of the time deposit.
3. Asset liquidity
Fund fixed investment and time deposit are both medium and long-term investment tools. Time deposit has a specified investment period, and investors can withdraw it in advance before it expires, but they can no longer enjoy the expected interest income of time deposit. The fund can be redeemed at any time on the open day, and its liquidity is stronger than that of time deposits. However, if the fixed investment time of the fund is too short, it is difficult to achieve the expected expected return. Generally, it is better to invest three times in five years.
4. Investment threshold
General time deposits are deposited in 50 yuan, and there is no deposit ceiling. The fixed investment of the fund is divided into two parts. The amount and time of the fixed investment can be decided by the investors themselves, and the investment threshold is not high.
On the whole, the security and stability of bank time deposits are better than that of fund fixed investment, but the expected rate of return and liquidity are not as good as that of fund fixed investment. Investors can choose according to their personal needs. Which is better, fixed investment in official funds or fixed deposit in banks? I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.