For example, your monthly salary is 6,000 yuan, and you have signed a savings agreement with the paying bank, entrusting the bank to keep 2,500 yuan in your current salary account every month, and the rest of the funds will be transferred to a fixed sub-account for three months, one year and three years according to the proportion of 20%, 30% and 50% respectively. If your pocket money exceeds 2,500 yuan, the bank will select the latest time deposit from its time sub-account according to the principle of minimum interest loss, but if you make up the withdrawal on the same day, there will be no interest loss.
"Moonlight Family" Financial Management: Zero Deposit and Lump Sum Withdrawal
"Lump sum deposit and withdrawal" refers to the monthly fixed deposit, which generally starts in 5 yuan and has a term of one year, three years and five years. The deposit amount is determined by the depositor, and it is deposited once a month, and the principal and interest are withdrawn at maturity. The interest-bearing method is consistent with the interest-bearing method for lump-sum savings deposits. If there is any leakage in the middle, it should be made up in the next month. If not, the interest shall be calculated according to the actual deposit amount and actual deposit period at the time of withdrawal and the current interest rate announced by the People's Bank of China on the date of withdrawal.
It can be said that lump-sum deposit and withdrawal is a way of compulsory deposit, and the same amount is fixed every month. People who want to be "moonlight clan" can form the good habit of "saving money" in this way.
Savings money fund: demand savings
The so-called money fund is an open-end fund, which mainly invests in stable financial products such as central bank bills, book-entry treasury bonds, financial bonds and agreement deposits. Because it doesn't have subscription and redemption fees like other open-end funds, investors can regard it as "current savings" and purchase and redeem it at any time. It usually takes 2 to 3 working days from issuing a redemption instruction to being able to withdraw cash.
Regular fixed subscription fund
Regular subscription funds are very suitable for wage earners to achieve the goal of compulsory savings. The number of listed open-end funds has reached hundreds, and its main distribution channel is banks. Then, the wage earners who often patronize the bank may wish to choose a fund that they sell on a commission basis and sign an agreement with the bank to stipulate the monthly deduction amount. In the future, the bank will deduct the agreed amount from your fund account and transfer it to the fund account to complete the fund subscription. This approach is conducive to risk diversification and long-term stable value-added. This investment method does not need to master too much professional knowledge, nor does it need to bother to choose the time of purchase. As long as you have patience and insist on holding for a long time, under normal circumstances, the income of the fixed investment of the fund will be higher than the interest of lump sum deposit and withdrawal. Because of this, it is even an excellent choice for wage earners to reserve education funds or plan pensions for their children.
Buy funds regularly, and it is particularly important to choose which fund. Generally speaking, this investment method is suitable for stock funds or mixed funds with partial stocks, and the important criterion for selection is its long-term profitability.
Bank's "Monthly Plan" Financial Management
Some joint-stock banks have a "monthly plan" deposit method, and the annual income can reach 3.3 times of demand deposits and 1.5 times of call deposits. As long as the balance of a single account exceeds 1 1,000 yuan, they can agree with the bank on a monthly financial plan at the end of each month, and the bank will pay out the income of the previous period on 1 day of each month, and allow investors to terminate the plan from the 5th to 25th of each month to ensure funds.
In the second stage, the wealth increased by 654.38 million yuan.
50% steady defense, 50% "steady attack+storm"
C: After working for a few years, you may have a deposit of about 654.38+10,000 yuan, so you can take good care of your savings for many years and let it increase in value.
First of all, we should put half of our savings in bank deposits or national debt. The function of this money is not to increase income, but to protect capital and avoid uncontrollable risks to wealth.
In addition to deposits and national debt, we can also pay attention to other low-risk wealth management products, such as RMB wealth management products and money market funds. The principal of investing in these wealth management products is relatively safe. Although the yields given are all expected returns, there is no absolute guarantee, but in fact the fluctuation range of the yields is not large. For example, taking out10,000-20,000 yuan to invest in currency or bond-type open-end funds can replace demand deposits.
In the case of ensuring liquidity and low risk, the yield of money market funds is generally around 2%. Money funds generally do not charge redemption fees, management fees are also low, and the conversion is flexible, the principal is safe and tax-free.
Rmb financial management
Shenzhen develops jucaibao
Features: there is a cycle of one month and one quarter, the threshold is 50,000 yuan, the monthly expected annual rate of return is about 2%, the quarterly expected annual rate of return is 2. 16-2.70%, and the income is tax-free.
Everbright bank sunshine wealth management
Features: Sunshine Financial Week Plan and Monthly Plan, with investment periods of one week and one month respectively, starting at 50,000 yuan. The expected annual rate of return of the monthly plan is equivalent to the after-tax interest rate of one-year time deposit.
That's all I know. Oh, o ()) o ~