A friend said, is it true that the rural commercial bank launched a product with a deposit of 65438+ 10,000 yuan and an interest rate of 4.26%?

It is false, because it is basically impossible for rural commercial banks to launch deposit products with annualized interest rates as high as 4.26%. Such a high interest rate is far higher than the income of many prudent financial management. Therefore, when you encounter such a "good thing", don't be too busy calculating interest. It is not cost-effective to draw it.

What kind of saving activity is the annualized interest rate of 4.26%? As far as I know, rural commercial banks are now fixed deposits for one year with an interest rate of 2.25%. Fixed for two years, and the interest rate is around 3.0%. It is fixed for three years and the interest rate is around 3.3%. As for certificates of deposit, the five-year maximum income does not exceed 4.0%. Moreover, a large deposit certificate must start at 200,000 yuan. As for prudent financial management, the income is only about 4.0%. Therefore, the way to save money with an annualized interest rate of 4.26% is either wealth management products or bank insurance.

1. wealth management products

The income of wealth management products can reach 4.26%. However, we ordinary people must first understand a few things when buying financial management. First, the income indicated by financial management is expected income.

You buy wealth management, and the bank staff tells you that the income is 4.26%, which is the expected income. The income after maturity can only be known when it expires. The maturity income may reach 4.26%, but it may also be lower than 4.26%. There is even a small probability of principal loss. In essence, financial management is a non-guaranteed floating income. Even if there is a loss of principal, the bank does not need to bear any responsibility.

2. Bank insurance

It's almost the end of the year. At this time of the year, almost all banks are doing "a good start" activities. What is a "good start"? To put it bluntly, it is to sell insurance. Banks cooperate with insurance companies to vigorously sell insurance products or wholesale products. Why do banks sell insurance?

It boils down to one word, money. If you deposit 10,000 time deposits, the income is only 10 and 20 yuan. Sell 10 thousand insurance and get thousands of dollars. As long as you are not stupid, everyone knows what to do. Such a deposit activity, with an initial deposit of 654.38 million yuan and an interest rate of 4.26%, is likely to be a wholesale product in bank insurance (one-time payment, surrender at maturity).

Can I buy it? Yes, but before you buy it, you must know what it is about. Like the current insurance wholesale products, it usually takes five years, and the income is around 4.26%. Surrender for five years, earning 4.26%. Surrender for four years, the income is only about 3.5%.

Surrender after three years, the income is only about 2.5%. Surrender after two years, the income is only about 1.5%. If you surrender within a year and a half, the principal will be gone. Therefore, the purchase of bank insurance products must be completed before proceeding. If you surrender in advance, the income will be greatly reduced, and even the principal will be lost.

Don't covet high interest rates when saving money. Always put safety in the first common fault of ordinary people, that is, thinking about getting rich overnight. Anyone who has this idea is easily deceived. As I have worked in a bank for nearly ten years, I find that the richer the clients are, the more cautious they are when saving money. If you recommend products with an annualized income of 5.0% to big customers, you will basically ask safety questions. Will consult, how big is the risk of such a high interest rate?

And recommended to ordinary customers, many people will be disgusted to say, who do you look down on with such low income in your bank? 5.0% of annualized income is rubbish. 50% annualized income will be convinced. The annualized income is 500%, and he dares to invest. When p2p is particularly hot, there are several old customers in the outlets, who want to take money to invest in outside financial companies.

The annualized income can reach 20%, and the interest can be paid monthly. With such a high income, Warren Buffett can't do it.

In the first few months, I received a lot of interest on time. However, in less than half a year, the wealth management company closed its doors and ran away. Many people not only invest their savings in this life, but also sell houses to invest. In the end, they lost all their money and beat Shui Piao. Remember when saving money: high returns are bound to be accompanied by high risks. There is no pie in the sky, and it is also a trap to fall.