Divide the current funds into several equal parts according to the amount, and then buy bank time deposits with different maturities from low to high. For example, the investor has 200,000 yuan, which is divided into three parts: 40,000 yuan, 60,000 yuan and 6,543,800 yuan. At the same time, deposit one-year, two-year and three-year time deposits respectively. One-year deposit expires and is transferred for three years. When two years expire, it will be converted into three years. In this way, two years later, 200,000 yuan will be a three-year time deposit.

2. Twelve certificates of deposit method

A savings and investment strategy that deposits a sum of money in the bank every month for a fixed period of one year for twelve months, and from the first month of the following year, a large amount of regular income will be obtained every month.