Short-term flexible deposit method

If this 654.38+10,000 yuan is usually used for one or two years,

Never put it in the bank, the annual interest rate is only 0.2%.

You can put the money fund, and the income is about 2%

Common ones are Yu 'ebao, Bitong and Chaochaobao, and the specific income is shown in Figure 2.

Medium-term stable deposit method

If the 654.38 million yuan is not intended to be used within five years,

If you don't want to take any risks, you can consider fixed deposit or national debt.

3-year time deposit 2.2% < 5-year time deposit 2.25% < 3-year national debt 2.85% < 5-year national debt 2.97%.

I suggest you try to buy government bonds first, and you can search for "government bond issuance plan" in official website, Ministry of Finance.

I can't grab the national debt, and I still think about bank time deposits.

Long-term compound interest deposit method

If you don't plan to use your money in the short term, you can consider saving it for retirement later.

Now that interest rates continue to decline, the most important thing is to find a reliable place to "lock interest rates" in advance and lock in a high yield.

In this way, even if the interest rate drops to a negative value, you can still get a good return.

There are 1 ways to "lock in profits in advance" to share with you.

According to compound interest, the long-term income is more fragrant than buying government bonds in the bank. How much money you pay is written into the contract, protected by law, and you don't have to worry about losing money, so you feel safe.

This is the old-age insurance for Qian Qian.

The compound interest can reach about 3.5% under the average life, and the benefits agreed in the contract are calculated according to the average life of 80 years.

A 30-year-old woman saves 6.5438+10,000 yuan at a time, and starts to receive it at the age of 60, and can receive a total of 3.65438+0.5 million yuan.

A 40-year-old woman saves 654.38+10,000 yuan at a time, and starts to receive it at the age of 60, and can receive a total of 233,654.38+10,000 yuan.

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Apart from high income, Qian Qian has an obvious advantage, that is, flexible payment methods.

You can pay in one lump sum or in several years.

You can also hand it in every day. The amount paid every day can be adjusted at any time. If you have more money, you can save less without affecting the quality of life.

You can also pay in small installments and add insurance flexibly (see the precautions above for specific methods).

Figure 6 shows three schemes, which you can have a look at first.

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However, the shortcomings of big Qian Qian money should also be made clear to everyone.

It takes a certain amount of time to add value, and you will lose money if you buy it for 2 or 3 years.

Therefore, before taking out insurance, it is best to make a preliminary fund plan, because Qian Qian is to solve the future pension needs.

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Ok, 65438+ million deposits will be shared with you without reservation. If you are interested, act quickly!