I have 300 thousand in my hand. It's not urgent. How can I save more interest?

If you want high interest on bank deposits, you must first choose the right bank, then choose the right deposit products and choose a longer deposit period.

First, choose the right bank.

Generally speaking, the smaller banks and financial institutions are, the higher the deposit interest rate will be than that of state-owned banks and joint-stock banks.

If you want to get high interest rates, try not to choose the top five state-owned banks. You can compare joint-stock commercial banks, focusing on local city commercial banks, rural commercial banks or credit cooperatives, and you can also compare banks that conduct online deposit business on well-known platforms.

Second, choose the deposit product and term.

Generally speaking, the longer the deposit period, the higher the interest rate.

If you don't need spare money, you can choose a five-year time deposit at most, and you can choose a large deposit certificate of 200 thousand for a quota of 300 thousand.

According to the public information found on a platform, the five-year maximum interest rate is 4.875%. If the deposit period is short, such as one year, the deposit interest rate is generally only about 2%.

Since the beginning of this year, the deposit interest rate has shown a clear downward trend. Last year, the interest rate of five-year time deposits was above 5%, and most of them supported withdrawal, early withdrawal and interest calculation by file. Since this year, most of these products have disappeared.

If the interest rate of 5-year fixed deposit is 4.875%, the total principal and interest of 300,000 yuan deposited in 5 years is:

300,000 (1+4.875% 5) = 373125 yuan.

However, if it is withdrawn before the maturity date, the current regulation is that the interest can only be calculated according to the deposit interest rate, which is generally 0.3-0.35%, so the interest is very small.

I am a cautious person, and I think it is better to buy five-year government bonds.

Hello, please allow me to answer your question.

300,000 yuan, if it is not needed for a short time, how can the deposit bank get higher interest income?

My answer is: there is really a way to increase the deposit interest income of banks by more than 2 times.

Yes, more than twice as much.

Then how can you fix it?

There is a deposit product called certificate of deposit.

The interest on certificates of deposit can generally reach 4%; Is it more than double the current deposit 1.75%?

However, there are two conditions to meet the certificate of deposit.

I. Long term

How long is the long term? Not very long, usually three years.

In other words, if you keep your money in the bank for three years, you can get 4% interest. Also, you can charge interest every year.

Second, the quantity is large

A large quantity means reaching a certain amount, usually 300 thousand.

In other words, you have to save at least 200,000 yuan to earn 4% interest.

The above picture shows a three-year large deposit certificate of a bank and a three-year deposit certificate of 200,000 yuan.

Teach you a little trick, don't go to the counter to deposit, and you may not necessarily recommend such a deposit product.

Download the bank's APP and operate it on mobile banking, which is simple and convenient.

Third, substitute products.

Although certificates of deposit can earn 4% interest, there are many restrictions, the biggest of which is three years.

So, are there any substitute products?

Can you get a return of nearly 4%, with small restrictions, short term and flexible use of funds?

Yes!

That's a bank wealth management product, provided that you are willing to take certain risks.

These wealth management products of banks can also be considered.

The income is similar, but the term is flexible; In case of need, you can take it out at once.

I hope my answer is useful to you.

Thank you. Wish you a happy life!

I have 300 thousand in my hand. It's not urgent. How can I save more interest? I think the interest rate of choosing large deposit certificates and private bank savings deposits is higher.

0 1 certificate of deposit is safe and guaranteed, and interest can be paid every month, so the deposit yield is relatively high! I think I have 300,000 in hand, so I don't need it urgently. A large deposit certificate is a good choice.

Large deposit certificates are the first choice for conservative investors, especially for spare money that is not urgently needed. The advantage is safety, and the yield will be much higher than that of bank time deposits. However, there are also disadvantages, that is, the starting point of deposits is high, and generally 200,000 deposits are needed, which takes a long time. Most certificates of deposit are three-year and five-year certificates. Only after a long time and a high deposit amount can we lock in higher returns and obtain higher returns at the expense of liquidity.

For example, Weizhong Bank has a 5-year deposit certificate with a yield of 4.2%. You can deposit it at any time and pay interest every month. It also has the advantage that the amount is relatively large, and it can be transferred out at any time and quickly, so that the funds can be taken out in case of emergency and the losses can be minimized. In addition, there is a deposit insurance system of 500,000 yuan to ensure safety.

If you deposit 300,000 yuan, you can earn interest of about 1.035 yuan every month, which is equivalent to paying yourself a salary every month. It is still a good wealth management product.

If you want to lock in higher income for a long time, you can choose savings deposits from private banks. Bank deposit is the most popular financial management method for ordinary people. But at present, China's one-year bank benchmark interest rate is 1.5%, which was 2. 1% two years ago and 2.75% for three years.

According to this benchmark interest rate, it is very low, but banks can float according to the benchmark interest rate. The central bank did not give a clear upper and lower limit. Generally, the fluctuation cannot exceed 50% of the benchmark interest rate. Of course, some private banks will slightly exceed this ratio, for example, by 55%.

Small banks and private banks need to be more motivated to obtain customers' funds through higher returns and interest rates, because their ability to attract customers' deposits is relatively large, and banks are relatively weak, so the floating interest rates of deposits of small banks and private banks will be higher.

Some people are worried about the safety of small banks and private banks. Here, no matter big banks, small banks or private banks, they can enjoy the protection of payment of principal and interest within 500,000 yuan 100% in the deposit insurance regulations, so the principal and interest of deposit products are safe within 500,000 yuan.

For example, for the 300,000 spare cash in hand, you can choose the five-year savings deposit of Jingdong Finance for higher income, with a yield of 4.875%.

Note that if these products are withdrawn in advance, they will bear interest according to the current interest rate listed by the bank on the same day, which is not as flexible as large deposit certificates. Before making a deposit, you need to consider whether there is a demand for money in five years, and carefully consider making a deposit.

In a word, we have 300 thousand in hand, so it's not urgent. Higher returns can be obtained by taking large deposit certificates and private bank savings.

Now national debt is not a good investment product. In the short term, it depends on how long your period is. If you buy a monetary fund within one year, you can withdraw it at any time, and the income is high. If you buy for more than two years, you can buy a portfolio, and the annual income is about 5-8%.

Generally speaking, the interest rate of time deposit is not high, but there are some tips to maximize the return on investment.

Choose the right bank.

That's all that matters. Now the central bank has liberalized the deposit interest rate restrictions, and in order to promote the marketization of interest rates, banks are allowed to adopt personalized deposit interest rates.

Relatively speaking, the bigger the bank deposit, the more famous it is, and the lower the interest rate. First, because there is no shortage of depositors in big banks, there is no need to raise deposit interest rates to save money; Second, large banks have many outlets and high operating costs, especially in some remote areas, and the rate of return is very low. However, state-owned banks should have social responsibilities. Even if some outlets do not make much money, they should be set up to provide financial convenience for the people. This led them to choose low deposit interest rates to save costs.

So for investors, the six major banks should not be considered. You can choose local city commercial banks or rural commercial banks. In order to save money, these small and medium-sized banks offer higher time deposit interest rates, and some five-year time deposit interest rates can reach 5%, which is comparable to wealth management products.

2. Purchase certificates of deposit or structured deposits.

In the past, the initial amount of large deposit certificates was very high, and the start of 500 thousand yuan made many people flinch. However, some of the current certificates of deposit are not worthy of the name, and some can be purchased at 65,438+10,000 yuan. The target is 300 thousand, which is enough for the threshold of large deposit certificates. Banks hope to get more deposits at one time, and often attract depositors to deposit large deposits at one time through higher deposit interest rates.

The other is something called structured deposit, which is actually a mixed deposit product in which most of the funds are invested in deposits and a small part of the funds are used to buy indexed products. So its deposit interest rate is sometimes unstable, but it can guarantee the most basic interest income, and there may be a lot of excess interest.

These two kinds of deposit products will be available in almost every bank, and the subject can go to the local bank outlets to inquire about the situation.

Choose long-term deposits

Most people like to choose a one-year time deposit, which is also to prevent the sudden need for money. The subject said that 300,000 yuan is not in a hurry, and it is conditional to choose long-term deposits, such as three-year or five-year time deposits. The longer the time of fixed deposit, the more interest you can get in a year.

43,000 buying deposit products is almost risk-free.

In China, bank bankruptcy is a very small probability event. In addition, our country has established a deposit insurance system since 20 15 to fully guarantee the principal and interest of deposits within 500,000 yuan. In case any bank fails to meet expectations, the deposit insurance system can play a supplementary role. Topic1* * There is only 300,000 deposits, so it is impossible to deposit more than 500,000 with interest. You can rest assured.

Select the bank first, and then select the term.

If you have little money, choose a large state-owned commercial bank, and it is recommended to keep it for three years. Because the central bank cancelled the benchmark interest rate for five-year deposits, the five-year and three-year interest rates of the four major banks in official website remained unchanged, and the benchmark interest rate following the central bank was 2.75% (the interest rate announced by official website was different from the actual deposit interest rate).

If you choose a small and medium-sized commercial bank, there is a big difference between the five-year and three-year interest rates announced by official website Bank, so it is suggested to choose a five-year period when money is not urgent, and you can get higher interest income in the same time. For example, the five-year fixed deposit rate of some private banks can be as high as 5%, and the interest rate level is far above that of state-owned banks.

Select products first, and then select terms.

There are many kinds of deposit products, such as notice deposit, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, convenient survival, education savings deposit and so on. In recent years, for large deposits, products such as large deposits (generally 50,000 for small and medium-sized commercial banks) and large deposit certificates (minimum deposit threshold of 200,000) have been introduced.

In general, the distribution of interest rate level: demand notice deposit is convenient for survival, zero deposit and lump-sum withdrawal deposit, education savings deposit, large deposit and large deposit certificate.

If you choose current account, no matter how long the deposit period is, the interest is not as good as notice deposit; Assuming that lump-sum deposit and withdrawal are selected, and more than 200,000 funds constitute certificates of deposit, then in the same bank, the interest rate of certificates of deposit with the same term is higher and more interest is obtained.

Therefore, the choice of deposit products takes precedence over the choice of term, rather than simply thinking that the longer the term, the higher the interest.

There are differences among benchmark interest rate, published interest rate in official website and actual deposit interest rate.

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. In China, the benchmark interest rate is determined by the central bank, and the interest rate announced by official website, a commercial bank, can rise on the basis of this interest rate.

Simply put, the benchmark interest rate is the reference interest rate given by the central bank based on macroeconomics, which has little to do with the actual deposit interest rate of banks and is for reference only. Among the large state-owned commercial banks, the interest rate announced by official website is basically the same as the benchmark deposit interest rate, but the small and medium-sized commercial banks have some fluctuations.

However, the interest rate announced by Bank official website does not represent the specific deposit interest rate, and branches or sub-branches can make certain fluctuations on the basis of the interest rate announced by Bank official website. For example, the interest rate of a three-year time deposit in a branch of a state-owned bank is 3.3%, which is 20% higher than the interest rate announced by the bank in official website (3.3%/2.75%- 100%).

That is to say, there are differences in interest rates announced by different branches of the same bank, and even there are differences in counter interest rates between branches below the branch-generally, the more remote the branch or sub-branch, the more difficult it is to absorb deposits and the higher the deposit interest rate.

Therefore, sometimes to get higher deposit interest, it is better to choose the region than the term-for long-term idle funds, regional factors should be considered.

market

If you have 300,000 yuan in the bank, you'd better have a large deposit certificate.

Bank interest rates hit a new low this year.

It turns out that Alipay or JD.COM platform or other platforms have high-interest bank deposits.

But now the state does not allow these platforms to have bank deposits, so they have been removed one after another. Only some of them still support old users, and new users generally can't buy bank deposits.

At present, there are about 300,000 certificates of deposit and 200,000 individual banks. However, the time deposit certificate has one disadvantage, it must be kept for three years, and its withdrawal must be calculated according to the current demand. This is also a place where it is not convenient to take the deposit slip.

At present, the interest rate of time deposit certificate is about 4% a year, but it is not always available.

If 300,000 yuan is not urgent, you can also take out100,000 yuan to buy a fund and make a large deposit of 200,000 yuan.

It is still necessary to manage money and maximize profits.

If you have money in your hand and want to manage your money, you must determine the period when the funds are not used, otherwise it will be difficult to make a choice.

At present, financial management on the market is linked to the time of fund use. Generally speaking, the longer you manage your money, the higher the rate of return.

Since you only said that there are 300,000 items that are not urgent, and you didn't say the time limit for non-urgent, I have to list them all for you to choose from.

0 1. Bank time deposit has the highest safety factor.

At present, the bank's one-year time deposit interest rate is 2. 1%, 3.2% for three years and 4. 1% for five years.

It should be noted here that once a five-year time deposit is selected, if it needs to be withdrawn in advance, the interest rate for premature withdrawal according to bank regulations can only be calculated at the current interest rate of 0.35%.

Therefore, it is suggested that 300,000 yuan be divided into several five-year time deposits, so that in case of urgent need, it can be withdrawn in advance as needed without losing all interest.

02. The IMF is the most flexible.

You can buy a money fund represented by Yu 'ebao or change pass, and you can pay off the income by depositing it, but now the yield is gradually decreasing, and the seven-day annualized rate of return is only 1.6%.

03. If you buy regular financial management for one year, the income will be higher and more stable.

Take Alipay as an example, the general rate of return for one-year regular financial management is around 4.5%. I have purchased China Life Insurance, Yangtze River Pension and Jianxin Pension over 366.

Although the rate of return on regular financial management is high, it cannot be redeemed in advance once the purchase is not due, which should be evaluated.

If 300,000 yuan is used to buy regular wealth management, it is suggested to split it into 1. 1 10,000 yuan to buy different wealth management products. On the one hand, it can spread risks. On the other hand, when the useful money expires, it can be stopped as needed, and other things are not allowed to continue to bear interest.

03. Buy pure bond funds and hold stable compound interest for a long time.

Pure bond funds are used to buy valuable assets such as government bonds and corporate bonds because more than 90% of the funds are used, with little fluctuation and little risk.

Buying a bond fund is generally free to sell for more than 2 years, so you should be prepared to fight a protracted war.

According to the historical rate of return of pure bond funds, holding them for more than five years and selling them can basically stabilize the average annualized rate of return at 6%.

To sum up, all the above are sound financial management methods. Of course, aggressive financial management will have a higher rate of return, but the risk of purchase is also high, such as starting a fixed investment in the fund or buying stocks.

One: Bank deposits

1. Choose short-term deposit if necessary from time to time. The annual interest rate is 1.5%-2%.

2. If you don't use it for half a year, choose a half-year time deposit. The annual interest rate is around 2%-3%.

3. If you don't use it for one year, you can choose time deposit, structured deposit and large deposit certificate.

4. Long-term non-use, large deposit certificates and long-term deposits are acceptable.

Two: stock trading: the risk is higher.

Three: the property market: at present, most of them are not worth investing.

Four: entrepreneurship: high risk.