If the capital exceeds 200,000 yuan, you can buy a three-year bank deposit certificate with an annual interest rate of about 4. 18% and a monthly interest rate.
If it is less than 200,000 yuan or the liquidity demand is high, you can buy a money fund with an average yield of 2.5-3%. Money funds are called "quasi-savings", which are highly secure and basically do not suffer losses.
The most convenient way to buy a money fund is Yu 'ebao or change pass, which not only has the function of saving, but also can be used for consumption. At present, the income of change pass is slightly higher than that of Yu 'ebao. If there is no other special preference, it is recommended to change the pass.
In fact, regardless of whether the capital exceeds 200,000 and the liquidity demand is high, we might as well consider smart deposits in private banks. At present, there is a five-year product with a maturity interest rate of 4.8% and an early withdrawal interest rate of 4. 1%, which is equivalent to current demand. There is also a five-year product with a maturity rate of 5.45%, with interest calculated by file. You can enjoy 5.45% for three years and one day.
The basic principle is that every product you buy corresponds to a five-year deposit. In less than five years, the bank will transfer the deposit to a third party at the interest rate agreed at the time of purchase. Please read the product description carefully for details.
Private banks, like other banks, are established with the approval of the China Banking Regulatory Commission (CBRC), which supervises them, and deposits with principal and interest below 500,000 yuan are also guaranteed by insurance.