There are 654.38 million cash friends in the mobile phone. If you choose this method, the annual interest will be higher. The purpose of saving money at ordinary times is to prevent it from being used suddenly in the future. How much money is used is uncertain, so 654.38+ 10,000 yuan cannot be saved as a sum. If we save a sum of money, we need it urgently, and withdraw it in advance, the fixed interest rate will become a demand, and the interest rate difference will be nearly ten times, so we will lose a lot of interest income in vain.

Therefore, the step-by-step deposit method should be adopted. Divide 654.38+ten thousand yuan into three periods, such as 1000 yuan, 40,000 yuan and 50,000 yuan, and save them for one year, two years and three years respectively. If you choose a small bank, the interest rate can reach about 4%, and generally you can earn about 4,000 yuan a year, but the benefits of this deposit are obvious.

If we withdraw money in advance, we only need to use one or two of them, and the remaining one or two will be settled at the regular interest rate, which will not affect each other and ensure that at least one regular interest rate will arrive. If there is no money in the middle, it can be transferred after maturity, with one year saved as two years, two years saved as three years, and three years saved as one year. This cycle is repeated, there will be a sum of money in the account every year, and interest will be paid every year. In fact, only one is a year, but it feels like it's all a year, but the overall interest rate is much higher than a year.

So this option is more cost-effective than ordinary deposits. The most intuitive result is more final income and flexible funds.