5% interest can be taken out, but you can't take it out or use it in these three years, which is equivalent to fixed deposit, but it is different from fixed deposit. If you take it out regularly, you will only lose interest, which will also lose the principal. However, the interest rate of only 5% in three years is really too low, so we can consider Jin Tao's new project, the original stock project, with high returns.

Extended data

Postal wealth management products:

1. According to the different risk-return characteristics of products, under the personal wealth management business brand of "Saving Wealth", three series of products, namely "Creating Wealth", "Tianfu" and "Wealth", are formed, which can meet the investment and wealth management needs of customers with different risk preferences.

2. As a member of the underwriting syndicate of voucher-type treasury bonds and savings-type treasury bonds, it is entrusted by the Ministry of Finance and the People's Bank of China to issue, sell and honor treasury bonds.

3. Entrusted by a number of fund companies, handle the subscription, subscription and redemption of open-end funds for customers; Make fixed investment, act as insurance agent and sell all kinds of insurance products.

At present, the Postal Savings Bank has launched a "Risheng" wealth management product. Dividends are paid every day and deposits are rolling, which is characterized by "safe principal and strong liquidity". On the premise of ensuring liquidity, short-term idle funds can get more income, and the redeemed funds can be used as a substitute for current savings deposits.