Buying a fund is different. Equivalent to investment. Although investment has certain risks, the risks and benefits are always * * *. Therefore, under the guidance of interests, more people choose to take certain risks and use their own money to buy funds instead of keeping them in banks.
The generation of bank interest is determined by three factors: principal, interest rate and time. For example, taking 6,543,800 yuan in cash as an example, based on the current bank interest rate, the interest rate for one year in the bank is 654.38+ 0.5%, so the interest is 6,543,800 yuan? 1.5%? 1= 1500 yuan; After two years in the bank, the interest rate is 2. 1%, so the interest rate is 65438+ ten thousand? 2. 1%? 2=4200 yuan; After three years in the bank, the interest rate is 2.75%, so the interest rate is 654.38+ 10,000? 2.75%? 3=8250 yuan.
From this example, we can see that if we have 654.38+million idle cash in hand and choose to deposit it in the bank, we can only get 8250 yuan interest after three years. ?
And if you need to choose to buy a fund of 6,543,800 yuan, even if you choose a fund with relatively stable interval and low income in order to reduce risks, the overall income will be much more than the interest earned by depositing in the bank. Of course, everything can't be ruled out. Since it is an investment, there will inevitably be risks, which also requires investors to prepare in advance.
However, the risk of funds is much smaller than that of stocks and other commercial investments. From the perspective of investment, the risk of capital is the lowest. Therefore, funds have become the preferred investment method in many people's daily lives.
Of course, whether to deposit money in the bank to earn interest or to buy funds is also closely related to the overall economic development of society. Therefore, everything can't be generalized. We need to pay attention to the economy, analyze the current situation, and then make personal judgments and choices.