deposits 100,000 yuan for a year, will I only get 1,759 yuan in interest in the end? Here, a bank employee revealed: In this way, the deposit income is doubled.
This way of saving money is the stepped saving method . The so-called stepped deposit method is to divide the deposit into several small parts. Generally speaking, if the funds are not too much, they can be divided into three parts and deposited into one year, two years, three years, or five years. . In terms of regular interest rates, the two-year interest rate is basically at 2.253%, and the three-year interest rate is also at 2.75%. In any case, these interest rates are much higher than the one-year and current interest rates.
So when this person has 100,000 yuan, he can completely divide the money into 30,000, 40,000, and 30,000, and save the divided money into one. Annual period, two-year period and three-year period. According to this method, a 30,000 deposit slip can be due in one year. At that time, it is possible to continue to deposit this 30,000 yuan for a three-year period. Then by the second year, there will be 40,000 certificates of deposit due.
In this way, you can save up to three years, so this method is the stepped deposit method. And this deposit method is very suitable for the general public, because this tiered deposit method can not only withdraw the loss of interest in advance, but also mobilize the liquidity of time deposits. When people save money, they will not lose interest due to early withdrawal.
If you have an idle fund on hand,And according to the plan, the funds may not be used in the short term, it is completely possible to store the funds in accordance with the above-mentioned stepped deposit method. In this way, you can maximize your own interests in the end.
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