1. Guaranteed capital and interest are not just time deposits. The main question is whether only time deposits can guarantee capital preservation and interest protection. Actually, it is not. Because bank deposits are paid rigidly, and they also protect capital and interest. There are several types of bank deposits, including demand deposits, time deposits, large deposit certificates and smart deposits. We can analyze them one by one.
Demand deposits, that is, funds can be accessed at any time without restrictions. At present, the interest rate is 0.3%, which is absolutely rigid and the principal and interest are guaranteed. Time deposit, the deposit period is from three months to five years, and each cycle corresponds to a fixed interest rate. As long as the deposit period expires, you can get the principal and interest back in one lump sum, which also guarantees the fixed principal and interest; In fact, certificates of deposit are similar to time deposits. The only difference is that its initial deposit is limited, and it can only be operated with more than 200,000 yuan, but it is also a rigid payment of capital preservation and interest payment. Smart deposits can generally only be operated in small banks. This is a new deposit project launched by small-scale banks to absorb deposits. The principal can be guaranteed without specifying the deposit period. Interest is customized step by step according to the completed deposit period, which is relatively free. It is also a rigid payment.
All the above deposits are guaranteed capital and interest. If the principal is 200,000 yuan, it meets the scope of protection stipulated in the Deposit Insurance Ordinance. In case of bank failure, this asset will be paid by the insurance company.
2. High-yield financial management can be seen everywhere, but it needs to bear certain risks. If there are higher-yielding financial management projects, of course there are, but it can't protect the principal and interest. Because financial management is bound to have risks, if you want to get benefits, you must bear the corresponding risk coefficient.
If you want to protect your capital, you can choose low-risk financial management, such as treasury bonds, money funds and bond funds. These types of financial management projects have little fluctuation in value and basically have relatively stable income. They also do not involve stock investment, so the probability of principal loss is very small.
If you are striving for progress steadily and are willing to take certain risks, you can choose medium-risk financial management, such as hybrid funds and index funds. The expected rate of return of such funds can reach 6%- 10%, which can share the stock market dividend to a certain extent and bring considerable benefits to investors.
If you are not afraid of risks and just want to get high returns, then it is no harm to choose high-risk investments, such as stock funds, or directly invest in stocks. The expected rate of return of the two is relatively higher, and it can really exceed 100% at the highest time. But its risk coefficient is also quite large, which is not suitable for all investors. Without abundant funds, it is difficult to bear the huge risks brought by such a big stock market turmoil. In the case of 200,000 assets, it is not recommended to invest all in the stock market.
It can be seen that not only fixed deposits, but also bank deposits can be done. Besides, there are many ways to manage money. Whether it is the best depends on investors' own assets, investment preferences and goals.
Money is kept in the bank for urgent needs and short-term profits. If you plan to save education funds for your children to go to college, or if your children are subsidized to buy a house after graduating from college, you can deposit them in the compound interest account of the insurance company and add annuity insurance. Save 53,000 years, and the principal will double in 20 years. If you are a young man, you can save money for your retirement. Only insurance can last long. If you have more money, China Taiping can get the qualification to live in the old-age community by saving 6.5438+0.5 million yuan for three years. The money in the compound interest account plus annuity insurance still belongs to you, and your insurance value-added income remains unchanged. For reference only!
For many people, especially middle-aged and elderly people, they are afraid of the loss of principal and cannot take too much risk. Therefore, when they have money, they will regularly deposit their money in the bank or buy government bonds, because these are wealth management products with guaranteed capital and interest. If they withdraw money in advance, they will lose at most part of the interest, and the principal will not be at risk. Even if the bank goes bankrupt, it is guaranteed by the Deposit Insurance Regulations, and the principal and interest will be repaid within 500,000 yuan.
However, we must know that the lower the risk, the lower the rate of return. Among all the financial management methods of banks, time deposit has the lowest yield. If we pursued stability in the past, we had no choice but to choose time deposits. However, since the new regulations on asset management came out, banks have strongly recommended certificates of deposit, giving everyone another financial management method to protect capital and interest. Many people may not know much about CDs, so what is CDs?
Deposit certificates refer to large deposit certificates issued by banking deposit financial institutions for individuals, non-financial enterprises, government organizations and so on. Different from ordinary certificates of deposit, large certificates of deposit can be transferred in advance, with a term of not less than 7 days, a high investment threshold and an integer amount. In fact, certificates of deposit have existed since 20 15, but at that time, many banks' wealth management products were almost guaranteed capital and guaranteed interest, and the yield was higher, so most people chose wealth management products without paying attention to certificates of deposit, and banks did not promote them, so many people actually did not understand certificates of deposit. However, since the new asset management regulations came out, bank wealth management products do not need to protect capital and interest. In order to compete with internet financial management, banks began to vigorously promote large deposit certificates, which have become familiar to everyone and more and more people are buying them. What are the characteristics of certificates of deposit that can make so many people switch to this financial management method?
The difference between certificates of deposit and time deposits is that the initial deposit amount is different. The initial deposit amount of time deposit certificate is 300,000 yuan, and 20 16 is adjusted to 200,000 yuan, while the minimum deposit standard of time deposit only needs 50 yuan. Therefore, the requirements for certificates of deposit are relatively high, which also restricts a large number of people.
Advantages Large certificates of deposit have advantages over time deposits. The first is the deposit interest rate. For deposits with the same maturity, the deposit interest rate of certificates of deposit is always higher than that of time deposits. The executive interest rate of general time deposits is 20%-30% higher than the benchmark interest rate of the central bank, and the deposit certificates are 30%-45% higher. For some small and medium-sized banks, the floating rate can reach 55%, so the advantages of large deposit certificates in deposit interest rates are obvious.
The second is to calculate interest by file, which is different from time deposit. When a time deposit is withdrawn before maturity, the interest can only be calculated at the current interest rate, and the large deposit certificate breaks this rule. Let's take a simple example, for example, a three-year certificate of deposit is deposited, but it can only be taken out for two years and nine months because of the urgent need for money. At this time, the advantage of interest-bearing on large deposit certificates comes out. If we take it out according to the interest-bearing function of the certificate of deposit at this time, we can pay the interest for two years and six months at the interest rate of the certificate of deposit, and then pay the interest at the current interest rate for the remaining three months, then in fact we only lose the fixed interest for three months. Although it's a bit of a loss, it's quite cost-effective compared with time deposits. Due to the regulations of the central bank, the function of document interest calculation was cancelled. The third is transferability. As we all know, time deposits are not transferable, but certificates of deposit have introduced the function of transferability, which greatly increases liquidity and flexibility. This function is very useful in real life.
To sum up, if your deposit has reached more than 200,000 yuan, then don't be silly about saving time. Large deposit certificates are the best choice. Of course, if there are better investment channels, you shouldn't actually put money in the bank, because it will never win inflation. But for some retired people, besides time deposits and national debt, there is a new way of managing money, and it is more mobile. For these retirees, it is a better choice to deposit money in the bank.