China Construction Bank (CCB) has 7 days' notice of the minimum deposit amount, and there are 40,000 in the debit card. How to deposit money with high interest rate but don't want to deposit it regula

China Construction Bank (CCB) has 7 days' notice of the minimum deposit amount, and there are 40,000 in the debit card. How to deposit money with high interest rate but don't want to deposit it regularly? thank you It depends on how long you don't need your money. If it's short-term, you can give a deposit notice in 7 days, usually 50,000 yuan, or buy short-term wealth management products, such as 20 days, 60 days, 180 days. The annual rate of return is quite high and the risk is low. Don't buy funds other than money funds, which is risky. You have to read the product manual to find out whether he sold you a fund or a wealth management product, which is different. Except for legal holidays and weekends, and wealth management products can't be redeemed in advance before maturity), it is very safe to buy government bonds for a long time, and the interest rate is higher than the ordinary term, or to buy long-term closed capital preservation funds, which is generally about 2 years.