3 million went to the bank to deposit a large deposit certificate. All right.
Once, an aunt in Beijing bought a fund share of 47,000 yuan in 2003 and reinvested it with dividends. After 17, when she remembered it again, the amount of check funds became 1.37 million, a full 28 times increase. Fortunately, this aunt was forgotten. If she hadn't forgotten, she wouldn't have become 1.37 million. If ordinary people had taken it out long ago, there would have been no later 1.37 million. So this aunt is lucky, in fact, just like buying a lottery ticket, one in 100 thousand, and there is little hope!
Or do financial management or something?
It is important to say three times that you must deposit in the bank. Don't buy wealth management and funds, only buy government bonds and time deposits. If you buy wealth management, you will not break even now. If it is profitable, it can be given to you according to the contract. No profit, no interest. Now this situation is even more difficult to buy, and most funds have lost money. Besides, if you want to use money, you can't just take it if you want. It must be collected on the same day, and it will take several days for the money to arrive. If you take it, you can't even get the principal back, and you have to deduct liquidated damages, let alone give you interest.
Some wealth management products purchased by ordinary people seem to have high returns, but the actual rate of return after maturity is very low, which is not as high as the regular products deposited in banks. Before the purchase, the staff said that the wealth management products had high yield. Some products have exceeded 4.5%, but they are all expected returns. They are all non-guaranteed floating products, which are actually not that high, thus misleading you. Buying wealth management products is unreliable and risky. It is safer to put money in the bank honestly, and my heart is also practical. There is no such thing as a free lunch, and there is no such thing as dropping pies. Remember!