Do you remember that many banks have launched financial products that guarantee capital? Speaking of which, it is really good to buy such financial products. At least the depositors will not lose money, and there is also interest to get. For a time, such products are very popular.
However, for banks, guaranteed capital means rigid redemption, which is a very unhealthy and very risky approach, so this guaranteed capital management is gradually stopped. According to official data, as of January 15, 2022, my country's guaranteed financial management has been "cleared" in the market.
However, if you want to "guaranteed capital", there are other channels, such as treasury bonds, but it is not easy to buy treasury bonds. For most ordinary people, bank deposits are the best "guaranteed capital management".
Bank deposit: interest on guaranteed principal
Although almost everyone's money is deposited in the bank, "deposit" and deposits that can generate interest are different. In fact, many people nowadays do not understand the relevant content of bank fixed deposits. If you just put the money in your bank card, then the interest generated is current interest.
, and the bank's current benchmark interest rate is only 0.3%, which is equivalent to placing 100,000 yuan in bank for one year, you can only get 300 yuan of interest. But if it is a fixed deposit, it is different. If you keep the money in the bank for a long time, you can get higher interest for 3 months, 1 year or even 3 years.
According to the benchmark interest rate, the highest fixed deposit interest rate is 2.75%, which is also 100,000 yuan. Calculated at this interest rate, the interest received every year is 2,750 yuan, which is much more than current deposits. Moreover, the deposit interest rates of general banks will be higher than the base interest rates, so depositors will actually receive more interest.
The most important thing is that bank deposits are definitely a "investment" that is stable and profitable, because whether it is demand deposits or fixed deposits, the interest rate is high or low, depositors' principal will never lose money, realizing a true "guaranteed capital". That's why people who have spare money can now consider going to the bank to deposit.
Some people say that although the bank guarantees principal, there is still a gap in interest compared with financial products. This is a fact, but everyone should also know that there are no financial products that guarantee principal, and high interest rates are accompanied by high risks. For more conservative depositors, deposits are the safest choice.
Moreover, nowadays, there is another good news for depositors, that is, the bank's deposit interest rate is actually rising.
Bank short-term fixed deposit interest rate has been raised
Before talking about interest rates, we must first understand one thing, that is, after June 2021, the pricing method of my country's bank deposit interest rate has changed. In the past, it was multiplied by the benchmark interest rate, but now it was adding a basis point to the benchmark interest rate. After this adjustment, my country's deposit interest rate has undergone a very big change.
Among them, the short-term fixed deposit interest rate showed a significant increase, and this growth continued in the second half of 2021. Judging from authoritative data, by December 2021, the average interest rates of most short-term fixed deposits have increased a lot compared with the level in May before the adjustment.
Among them, the average interest rate for regular periods rose by 6.4 basis points in the 3-month period, 3.3 basis points in the 6-month period, and 0.3 basis points in the 1-year period. According to this calculation, the annual interest for depositing 100,000 yuan for 3 months is 64 yuan more than before.
If everyone wants to pursue higher interest rates, then there are actually other ways.
is also a fixed deposit, and choosing a local bank
is also a fixed deposit, but the deposit interest rates of many local banks are relatively high, which is almost recognized in the market. This is because these banks lack a stable source of deposits than those large banks, so they will focus more on deposit acquisitions, and increasing deposit interest rates is one of the deposit acquisition strategies.
According to media reports, some local banks have the highest fixed deposit interest rate of even more than 4%, or 100,000 yuan. According to the 4% interest rate, it is 4,000 yuan, which is more than 1,000 yuan higher than the highest benchmark interest rate. Therefore, those who pursue high interest rates can go to the local bank to learn about the interest rates.
Of course, no matter how the interest rate of fixed deposits increases, the returns are definitely incomparable to those well-made financial management, but its biggest advantage is that there is no risk. Therefore, for depositors, if they are more afraid of losing money, the best way to invest is to deposit fixedly, with less interest but no loss of money;
If you pursue high returns more, you can make other investments on the premise of understanding, but at the same time, you should also note that investment is inevitably risky, and there may even be losses. Of course, the best way is to allocate deposits, partially deposits, and partially invest, so that you can best resist risks.
I wonder what everyone thinks? Do you usually go to deposit it? Welcome to leave a message in the comment area for discussion.
