This is because the bank deposit guarantee system only guarantees 500 thousand funds, and large deposit certificates are one of them. Although the security of the bank is very good, it is still risky to deposit 6,543,800 yuan at a time. It doesn't affect interest to deposit half of it separately. If an emergency needs to be taken out in advance, you can only take one of them without affecting the income of the other.
Assuming that the annualized rate of return on certificates of deposit is 4%, then 500,000 yuan will be saved for one year, which is calculated as: 500,000 * 4% = 20,000, and 654.38+00,000 is 40,000, and the income is still very good.
If you are a steady investor and can accept certain losses, then you can choose a good wealth management product with an annualized income of around 8%, which is generally low-risk or high-risk.
Assuming that the annualized rate of return of wealth management products is 8%, then 100000 is kept for one year, which is calculated as: 100000 * 6% = 80000 yuan, and 100 is 60000 yuan, which is much more than the income earned by large deposit certificates, but it is also expected income, not actual income, but only risk.
Financial management does not guarantee the principal and interest, so investors should be clear about its risks before investing, and look at the detailed rules of financial products in detail, and then consider them from all aspects according to their own risk tolerance.
In addition, when choosing wealth management products, you need to look at the past income and try to choose the one with good past income. Although the past income does not represent the future, it will still have a certain reference function. Secondly, it will be more secure to choose well-known ones when choosing.