1. The simplest way to invest 100,000 yuan on a regular basis is to deposit it for a year, and then withdraw it after one year. Calculate the interest, which is almost 1,500-2,500 yuan. It is recommended to "shop around" and find a bank with a higher interest rate.

deposit.

In 2018, the central bank's benchmark one-year regular interest rate is 1.5%, and the one-year regular interest rate for a 100,000 deposit is 100,000 * 1.5% = 1,500 yuan.

2. If you need to deposit and withdraw 100,000 yuan in demand, you can keep it for a certain period. The advantage is that you can deposit and withdraw it at any time. The disadvantage is that the interest rate is too low, and the interest will only be a few hundred yuan a year.

In 2018, the central bank's benchmark current interest rate is 0.35%, and the current interest rate for depositing 100,000 yuan for one year is 100,000 * 0.35% = 350 yuan.

3. Financial management products Financial management products include capital-guaranteed and non-principal-guaranteed, as well as fixed-term and non-fixed-term products. The return rate of one-year financial products is generally between 3% and 5%.

For example, various funds, bonds, stocks, etc. Generally speaking, the higher the return, the greater the risk.

If you save 100,000 yuan in a financial product for a year, the income will be around 3,000-5,000 yuan.

This kind of product needs to be carefully selected and requires a high level of professionalism. You can also find a professional financial planner to help with planning.

Extended information Bank time deposits are one of the first choices for most financial management in the early days. Since the interest rate liberalization of bank time deposits in 2015, the listed interest rates of various banks have been different. Among them, the interest rates implemented by large state-owned banks are basically based on

The central bank's benchmark interest rate is the same. If 100,000 yuan is deposited in a three-year time deposit with a major state-owned bank, the annual interest rate is 2.75%. The annual interest is: 100,000 * 2.75% = 2,750 yuan, which is only 229 yuan per month on average.

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If it is a three-year fixed deposit deposited in a small or medium-sized bank, taking the listed interest rate of the local credit union as an example, the three-year interest rate is 4.25%, the five-year interest rate is 4.75%, and the three-year interest rate is

For example, the annual interest is: 100,000 * 4.25% = 4,250 yuan. The average monthly interest is 354 yuan. If it is a five-year deposit, it is only 395 yuan per month.