Hello! XXX！ I just heard that you want to change your money into a fixed term, which proves that you want to keep it. Then I suggest you save it as insurance. Because if it is converted into a fixed term, the interest is not high at first, and if it is withdrawn in advance, it can only be used as a current account. The most important thing is that insurance can be used as compulsory savings, which is just in line with your idea of regular savings. As for how to save it, it depends on your needs. If you only keep it for five years, you can transfer it all at once. If you deposit it for 10 years, I suggest you deposit it in installments, and consider it as a one-time deposit! If you are afraid that the income is not high, take part of the fund to vote. Index funds are more suitable for you. It is also a good lump-sum deposit and withdrawal method. Financial management is very flexible, and it can maximize the income when combined. Just like opening a store, if you open five stores, you will lose one and the other four will make money. If you open one, you lose. As for the follow-up service, you can rest assured that our bank will have full-time staff to follow and serve you.

PS: 1。 It is unrealistic to change products by insurance, and we must not make promises casually. Ordinary people have great trust in banks. Competition between banks is fierce now. Not knowing is not terrible, not knowing nonsense is terrible.

2. If the fund loves products more, it means redemption. Redemption also depends on the timing. Only when the customer is likely to lose money can you change the customer's requirements.

No matter banks, insurance companies or securities companies dare to buy products and give gifts as blatantly as you said. Is to be supervised by the regulatory authorities, k! If you have to send it, it is also your personal behavior.

I hope the above suggestions will help you.