I have 5 million, how can I deposit it in the bank?

Option 1: With such a large amount, I suggest you buy 5-year treasury bonds with 3 million. The maturity interest is much higher than the bank deposit interest for the same period; deposit 1 million for two years; part of 1 million can be deposited as a call deposit. It is convenient to withdraw money, and the interest rate is higher than current deposits.

Option 2: The most conservative combination method,

1. For the part that will not be used for ten or eight years, it is recommended that you choose a single payment insurance product from a bank agent. If you do not have insurance protection To meet your needs, you can choose a purely financial insurance product without guarantees, a lifetime product or a long-term product that reaches the age of 70 or 80. It is best to divide the 3 million into three or four policies, so that it can be used in ten or eight years. You can choose to partially surrender the policy at any time after the year.

But here is a reminder: if it is universal insurance, it does not matter which insurance company’s product you choose. If it is participating insurance, it is recommended to choose Ping An, because if the dividends of each insurance company are less than one year Dividends are not always paid on a daily basis when surrendering a policy.

2. If you want to use the RMB 1 million in two years, save it for two years, because even bank RMB financial management is risky.

3. The 1 million for pocket money can be divided into four parts. One part can be withdrawn as a current account for regular urgent needs for three months, one part can be withdrawn for short-term RMB financial management when it expires, and one part for monetary funds can be withdrawn 2-3 days in advance. Redeem on one working day, and a seven-day notice deposit can be withdrawn at any time.

Extended information

Terminal interest rates for large bank deposits:

Currently, the large deposit interest rates of the four major banks are limited to a maximum increase of 50% compared with the central bank’s benchmark interest rate; joint-stock banks and The maximum increase in interest rate for large deposits of listed city commercial banks is 52% compared with the benchmark. The central bank's benchmark deposit interest rate is 1.50 for one year and 2.10 for two years.

Banks' large-denomination certificates of deposit have different minimum investment amounts, different terms, and different interest rates on large-denomination certificates of deposit. The interest rates on large-denomination certificates of deposit are very high. The interest rates of major banks generally float within a range. The minimum deposit amount is also extremely high.

The deposit amount of China Construction Bank shall not be less than 200,000 yuan. The minimum bank deposit amount is 200,000 yuan. The annual interest rate is 1.53 when the lump sum is deposited for 1 month. The annual interest rate is 1.53 when the lump sum is deposited for 3 months. It is also 1.54. The annual interest rate when the lump sum is deposited for 6 months is 1.82. The annual interest rate when the lump sum is deposited for 9 months is 2.09. The annual interest rate is 2.10 when the lump sum is deposited for 1 year. The annual interest rate is 2.10 when the lump sum is deposited for 18 months. The annual interest rate is 2.52 per month, the annual interest rate is 2.94 when the lump sum is deposited for 2 years, the annual interest rate is 3.85 when the lump sum is deposited for 3 years, and the annual interest rate is 3.85 when the lump sum is deposited for 5 years.