Large-denomination certificates of deposit refer to (electronic) accounting-type large-denomination deposit certificates (without paper certificates) issued by commercial banks to individual investors. They use savings cards as the medium and are personal deposits. They are protected by deposit insurance, that is, 100 yuan within 500,000 yuan.

% compensation.

The minimum purchase threshold (amount) for large-denomination certificates of deposit is relatively high, generally requiring a minimum purchase of 200,000 or 300,000. The interest rate will be significantly higher than that of ordinary deposits, and the interest rate is about 3.5%-4%.

Monetary Fund: The current yield has fallen below 2.5%, and the safety and liquidity are relatively high.

According to regulatory regulations, the daily "quick redemption" limit for a single currency fund is 10,000 yuan, that is, redemptions within 10,000 yuan can be credited to the account in real time.

With the decline in the yield of money funds and the limit on the quick redemption limit of 10,000 yuan, it is suitable for small-amount capital allocation.

Generally speaking, the interest rates on large-denomination certificates of deposit and deposit products of small and medium-sized banks will be higher, so you can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy the protection of deposit insurance (according to the "Deposit Insurance Regulations": individuals in a single

Ordinary deposits in the bank enjoy 100% compensation within 500,000 yuan), and the "interest rate" is around 4%-5.5%. It has the advantages of high liquidity (can be withdrawn in advance) and an interest rate higher than that of ordinary deposits.

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