Is Zhang Le's financial management reliable, Zhihu

Zhang Le Fortune is a professional financial management software created by Huatai Securities for investors, which mainly provides services and businesses such as market transactions, important information transmission, expert interpretation and financial product purchase.

However, investors should beware of fraudsters who use rising wealth to cheat. Everyone should have their own knowledge reserves and judgment ability when investing in financial management, and should not blindly listen to the so-called expert recommendation.

In addition, don't enter stock groups or forums, and don't believe any expert comments about fees. After all, investment and financial management are risky, and no one will pay for your investment failure. Both of them belong to wealth management products, so there are certain risks. If you want to be safe, it is recommended to deposit your money in the bank. Time deposit is the best way.

Deposits are fixed and current.

Nowadays, there are various financial management methods in the market, and everyone will choose the financial products that suit them in life to manage their own finances and earn another source of life. In fact, although many wealth management products outside have high interest rates, the risks are not low. Most people will not touch these wealth management products under uncontrollable circumstances.

So nobody manages money? In fact, bank deposits are also a way of managing money, such as time deposits and certificates of deposit, which most people prefer. When it comes to time deposits, ranging from March to five years, many people will be obsessed with the time of deposit. So, is it better to keep a three-year or five-year "time deposit" in the bank? If you make a mistake, you will suffer!

First of all, is it better to have a current account or a fixed account? The answer must be regular. On the premise of safety, our deposits are generally based on income, and secondly, we need some liquidity to ensure emergency use. If you can deposit and withdraw money at any time, the liquidity is very high, but the interest rate of 0.3-0.35% is really too low, not to mention financial management at all, just playing the role of being kept by banks. The deposit term can still be withdrawn at any time according to relevant regulations, which has no impact on liquidity. On the contrary, if the midway is not a special reason, it can generally be held due. Or withdraw the part in advance, and the rest can still enjoy the regular interest rate until it expires. Comparing the two, firstly, there is no difference in liquidity, and secondly, the possibility of getting more interest is much greater, so time deposit is of course more cost-effective.

As for six months, one year or three years? It mainly depends on your idle period of funds or investment planning. If the investment plan is vague, of course, it is more realistic to have a shorter term. Because the investment plan is not clear, it will inevitably lead to the possibility of early withdrawal. Once an early withdrawal occurs, interest will be calculated according to the current interest rate, which will lead to more interest losses and feel that it is not worth the candle. However, if the investment plan is very clear and the idle period of funds can be basically determined, it must be three years, because the 1 year interest rate is definitely lower than the three-year interest rate. In general, even the total interest of 1 for three consecutive years is not as much as that for three consecutive years. This is based on theory. If you don't believe it, you can calculate it yourself.

How to balance the contradiction between efficiency and liquidity in the case of unclear investment planning? In fact, there are other better ways, which are easy to solve, that is, diversifying deposits. There are two forms: one is to divide a sum of money into multiple deposits, which are combined with long-term and short-term configurations, and short-term products are mainly used to meet temporary capital needs; Second, transfer the funds with uncertain maturity to other third-party financial platforms, including money funds and some innovative deposits. Not only is the interest rate much higher than the current interest rate, but it can be withdrawn at any time, which is more liquid and safer. Through these combined deposits, the contradiction between efficiency and liquidity is effectively solved, so that you are no longer entangled.