With the development of economy and the improvement of people's income level, more and more people begin to pay attention to financial management. There are many ways to manage money, such as depositing in a bank or buying a balance treasure. When everyone has spare money, everyone has different choices. Some people have low risk tolerance and will choose banks; Some people have high requirements for expected income and can accept Yu 'ebao.

So if you have 65,438+10,000 spare cash, which is better, deposit it in the bank or put it in the balance treasure? Xiaoxi will help you compare it today.

How much interest does a deposit of 65438+ 10,000 yuan have in the bank?

Let's start with bank deposits. There are three kinds of bank deposits, namely demand deposits, time deposits and call deposits. Take lump-sum time deposit with the highest interest rate as an example. Suppose Xiao Xina deposits 654.38+ 10,000 yuan for five years, and the benchmark interest rate of the central bank is 654.38+03.750 yuan after five years.

What is the expected income of 65438+ ten thousand yuan to buy Yu 'ebao?

Looking at the situation of Yu 'ebao, the expected income of Yu 'ebao fluctuates every day. Assuming that the expected income per 10,000 copies of Yu 'ebao is 1 yuan, if you put 654.38 million yuan in Yu 'ebao, the expected income for one day is about 10 yuan, and the expected income for five years is 18250 yuan. This is 1.5 times higher than the five-year bank deposit.

Bank vs Yu' ebao

Moreover, Yu 'ebao has the advantage of 1, that is, it can be taken with the deposit, and the expected income is still the same when it is taken out and put in, but it is inconvenient to take it out regularly, and interest will be lost.

But then again, risk and expected return are always in direct proportion. It is an eternal truth that the higher the expected rate of return, the greater the risk of wealth management products. Take Yu 'ebao as an example. Although the yield of Yu 'ebao is higher than that of bank deposits, Yu 'ebao belongs to the monetary fund. We all know that fund companies will not guarantee a certain income of the fund, nor will they guarantee the lowest expected income, so putting money in Yu 'ebao is not absolutely risk-free. This may be overlooked by many ordinary people, but as a conservative investor, this kind of risk also needs to be considered, and it is unwise to put all your money on the balance.

Summary: 65,438+10,000 spare cash should be deposited in the bank or put in the balance treasure, or other wealth management products should be carefully considered before making a decision. After all, this matter is related to the money bag. You can't just look at the expected returns. If you make hasty decisions, once you encounter risks, you are likely to lose all your money or be unbearable. In fact, as long as the cash plan is arranged reasonably, it is no problem to choose a regular bank to save money or buy wealth management products.