Many depositors who make bank time deposits will eventually fail and default as a result, instead of withdrawing the principal and interest after maturity. Why? Because they ignored the fact that they might need funds in the middle, the investment failed and also caused interest losses.

In 2012, a similar situation happened to a friend. In 2011, he completed a three-year time deposit in the bank. At that time, I put 100,000 yuan in a time deposit in a lump sum. I thought the interest would be good after three years, so I left it alone.

But in 2012, because the business urgently needed a sum of funds, and I had a loan, the loan method was no longer an option. If you borrow money from a friend, even if the other person doesn't ask for interest, you will feel indebted, so you won't borrow money from a friend. He then thought of transferring the time deposit to someone else, and then reducing some interest losses in the process. However, after asking around, the transfer method was not feasible. After all, the 100,000 yuan had a fixed period of more than one year, and the liquidity was very limited.

Therefore, I finally decided to withdraw the time deposits in case of default and use them for emergencies.

Saving 100,000 yuan in the bank does not necessarily mean it is a good deal because the interest rate is high and the term is long. The most important thing is that it is reasonable. I think that 100,000 yuan can be divided into several parts and deposited in the bank, which can effectively improve the success rate of time deposits.

The bank has a "large-denomination certificate of deposit" with high annual interest rate and good liquidity, but it requires a threshold capital of 200,000 or 300,000. Bank time deposits of less than 200,000 yuan are basically at the same level. Therefore, if we divide 100,000 yuan into several parts, the annualized interest rate we enjoy will not be reduced. It is reasonable to make a three-year time deposit of 50,000 yuan. Although the annualized rate of return of a three-year time deposit is lower than that of a certificate of deposit, it can still reach the range of 3.5%-4.5%. You can look for some urban banks with high annualized rate of return.

Then use 40,000 yuan for financial management with medium and low risk levels of different periods. The risk of medium and low risk levels is very low, and there is no principal risk. In addition, there are different fixed periods, with short-term, medium-term, and long-term allocations. Even if there is an emergency, short-term funds can be used as an emergency, effectively improving the success rate of financial management.

Finally, divide the 10,000 yuan into two parts. You can invest 5,000 yuan in some index funds in the bank. If the market is good, you can expand your profits. When the market is bad, the corresponding risk is also lower. Then put 5,000 yuan in a monetary fund to effectively improve the liquidity of funds.

In this way, the comprehensive annual rate of return can reach between 3% and 6%, and it can also effectively improve the success rate.

Hello friends, if you deposit 100,000 yuan in the bank, it is obviously not enough for a large-denomination certificate of deposit, and if you deposit it all on a regular basis, you will easily suffer losses if you use the money. Therefore, it is recommended to optimize the screening of products and combine investment and financial management. In this way, not only will the safety be guaranteed, but the income will also increase significantly to meet more needs.

First, while ensuring safety, optimize and screen products with high yields.

As shown in the picture above, the actual deposit interest rate for ordinary time deposits at banks in Beijing area

is quite different from that of large certificates of deposit.

Large-denomination certificates of deposit cannot be deposited with RMB 100,000, and interest rate discounts are limited. Therefore, screening products is particularly important. Treasury bonds, national credit, are very safe, and the coupon rate is established in advance. The three-year term is as high as 4%, which is basically the same as the large-denomination certificate of deposit of commercial banks with a minimum purchase of 200,000 yuan. If you buy treasury bonds with 100,000 yuan, you can enjoy higher interest rates and be safe and worry-free.

Moreover, electronic savings are treasury bonds, which also have the advantage of paying annual interest. Earnings are more convenient, with flexible arrangements or re-investment, deposit savings, and higher comprehensive returns.

Summary: If 100,000 yuan is idle for a long time, it is cost-effective to buy treasury bonds and save it.

Secondly, we must not only ensure safety and obtain good returns, but also consider liquidity, portfolio investment, and appropriate allocation of zero-term products, which can greatly prevent losses caused by early withdrawals and make the entire financial deposits more stable. Stable and the most cost-effective.

Take out 10,000 to 20,000 yuan and deposit it into the bank's ladder smart deposit, which can be accessed at any time without needing it. The longer the continuous deposit time, the higher the interest rate. Deposit financial management provides more protection and diversifies financial risks.

Summary: A small combination of big effects.

Portfolio investment, diversifying risks and providing multiple protections, is the most cost-effective.

Finally, let’s make a summary analysis:

Even if the investment is concentrated, the interest rate is limited for 100,000 yuan. Therefore, the preferred product not only ensures safety, but also greatly increases the income. Flexibility spreads risks and achieves multiple goals with one stone.

However, by optimizing the combination configuration, the entire financial management will be more stable and enjoy more protection.

What is the most cost-effective way to deposit 100,000 yuan in a bank? I think it is better to put it another way, how is it more appropriate to deposit 100,000 yuan in a bank?

Why do you ask?

This mainly depends on the nature of your 100,000 yuan. Whether you will use this money in the future? Is it all your savings, or is it just a part of the family’s cash flow, which cannot be dealt with under different circumstances? The situations vary. If you don’t need this 100,000 yuan in the short term, but there is a possibility of using it at some time in the future, then the term of the deposit must be short-term, and you should not care too much about the interest. You must know that the interest rate on borrowing from outside is very high when you have no funds. In order to To take such precautions, the maximum period of general deposits cannot exceed one year, of which the deposit period of 50,000 yuan is half a year, and the other 50,000 yuan is a one-year deposit. This way, you will not suffer an extreme loss of regular interest when you use it.

If you are sure that you will not use this 100,000 yuan for a long time, then I think three or five years are acceptable. At this time, you need to pursue more efficient interest rates. You can find some private banks. Generally, the interest paid on time deposits is relatively high. For you, this unused money can maximize your income.

There is another situation. This 100,000 yuan is all your savings, which is actually equivalent to life-saving money. Then you cannot use this money to take risks. Deposits are the most ideal and safest state. And this 100,000 yuan is one-tenth of your assets, so you can take some risks appropriately and use this money to manage finances. The income will be much higher than that of deposits. Participating in index funds is a good choice. .

In summary, different situations determine your attitude towards this money. You just need to handle different situations differently.

If you have 100,000 yuan of spare money and want to deposit it in a bank, generally speaking, you should deposit it in whichever bank has the highest interest rate, because no matter which bank it is deposited in, the deposit insurance fund will cover the 100,000 yuan. Even if the bank goes bankrupt, it will not cause any loss to your deposits. Therefore, all that remains is to choose a bank deposit with a corresponding deposit period based on the idle time of the funds. Let’s discuss which bank is the most cost-effective to deposit according to the idle time of 100,000 yuan.

If you do not consider using this 100,000 yuan within 5 years, it is recommended to deposit it in the 5-year time deposit of Yingkou Coastal Bank, with an annual interest rate of up to 5.8%. This deposit product has the highest deposit interest rate among all banks. At the highest level, if you save 100,000 yuan, you can earn 5,800 yuan in interest income in one year, which is very cost-effective.

If you don’t plan to use this 100,000 yuan within three to five years, it is recommended to store it in Yealink Bank’s Yealink Smart Deposit (Li Tianli Summer Edition). This bank deposit After depositing for three years, you can get an interest rate of 5.42%. If you deposit 100,000 yuan, you can get an interest rate of 5,420 yuan per year. If you deposit 100,000 yuan for four years, you can get an interest rate of 5.55%. If you deposit 100,000 yuan, the annual interest income is 5,550 yuan. The interest income is also quite high.

If you do not plan to use this 100,000 yuan within three years, then it is very suitable to store the funds in a very cost-effective bank deposit product - Blue Ocean Bank's Blue Beibei. This product is designed as a 5-year deposit with a maximum interest rate of 5%, but the interest rate can be calculated based on the holding time, and the interest rates at each gradient are quite high. The interest rate is 4.7% for one to three years, 4.5% for six months to one year, 4.2% for three to six months, and 3.7% for the survival period. It is quite cost-effective and very suitable for funds. Not sure when you need to use it, because the longer you save, the higher the interest rate!

The most cost-effective way to deposit 100,000 yuan in a bank is one that has safe principal, strong capital flow, and high deposit interest. Depending on your deposit requirements, the following two methods are most cost-effective.

The first deposit method: deposit smart deposits

Smart deposits are initiated by private banks. Smart deposits are integrated current deposits, time deposits, large certificates of deposit and other major deposits. Advantages: safe funds, strong liquidity, and very high deposit interest rates. This is currently the most cost-effective deposit rate among all banks.

As shown in the picture above, this is a smart deposit issued by a private bank. The interest rate for one month is 4.0%. The annual interest rate for three months has reached 4.30%. The interest rate for six months is 4.40%. The interest rate is more than one year. The deposit interest rate is already as high as 4.50%. As for smart deposits, the higher the interest rate, the better. Saving 100,000 yuan in smart deposits will yield more than 4,500 yuan every year. This is currently the most cost-effective type of bank deposit.

The second deposit method: short-term deposits

Banks generally issue short-term deposits to relieve the pressure on short-term funds of banks, such as the end of the year, the end of a quarter, the end of the month and other special events. Under the circumstances, the interest rates on short-term deposits issued by banks are very high, the interest rates on short-term deposits are very high, and the liquidity is very strong. This method is the most cost-effective.

As shown in the picture above, this is the deposit interest rate of a domestic private bank. The deposit interest rates of all major banks are relatively high. The demand deposit interest rates have increased by 25% year-on-year, while the short-term deposit interest rates have increased by 25%. Interest rates are even higher, having risen by more than 100%. The interest rate for 3-month time deposits has reached 3.135%, the interest rate for 6-month time deposits is 3.355%, and the interest rate for 1-year time deposits is 3.575%. According to the deposit interest rate of this private bank, a deposit of 100,000 yuan in this bank will cost at least 3,100 to 3,600 yuan per year.

I think it is more cost-effective to save 100,000 yuan in short-term deposits in private banks. The interest rate is not low, and the liquidity of the funds is also very strong, so that you will not be unable to get out the money when you are in urgent need.

In short, what is the most cost-effective way to deposit 100,000 yuan in the bank? I think it is most cost-effective to choose a deposit model that suits you. Everyone’s financial situation is different, so the degree of cost-effectiveness will definitely be different, but for me Personally, I think the above two deposits are popular and cost-effective deposit methods.

Divide 100,000 yuan into 5 pieces of 20,000 yuan each. 1 card is kept for 1 year and transferred to 4 years after maturity; 1 card is saved for 2 years and transferred to 3 years after maturity; 1 card is kept for 3 years and transferred to 2 years after maturity; 1 card is kept for 4 years and transferred to 2 years after maturity. Roll over for 1 year; deposit one for 5 years, and they will expire together after 5 years.

In this way, 20,000 yuan will be due every year for emergency use without losing interest.

First of all, I am really envious that you still have a deposit of 100,000 yuan. It is really greedy for some people who live on their own. When depositing 100,000 yuan in a bank, we can consider it from three aspects: different banks, products and terms. Let’s take a closer look below.

Generally speaking, we can divide it into three situations: current, regular, and withdrawal at any time.

Current deposits: Current deposits are the pocket money existence of most of us before the emergence of Yu'e Bao. We put the money in a bank card and can use it at any time and withdraw it at any time. There is basically no interest on current deposits, only 0.35%. In other words, the lifetime interest on 100,000 yuan is only 350 yuan, which is really low.

Fixed term: There are many types of bank fixed term products. The most common one is bank deposit, which is divided into three months, six months, one year, two years, three years and five years. These years are basically the same across different banks, but the interest rates vary greatly.

State-owned banks are the most willful. They basically give interest according to the national basic interest rate. Taking a five-year deposit as an example, the interest rate is 2.75%. Calculating 100,000 yuan, there is an income of 2,750 yuan a year.

The interest rate of commercial banks is higher than that of state-owned banks, and the interest rate is about 3%. For example, China CITIC Bank, the three-year period is 3%, so there is an income of 3,000 yuan in one year.

Local banks have higher yields, and the five-year interest rate can reach 4.5%. If the principal is 100,000 yuan, you can get 4,500 yuan per year.

There are also some private bank deposit interest rates on financial management platforms that can reach 5%, and some have a model where the interest can be withdrawn every year. If such a bank exists, you can get an income of 5,000 yuan per year.

Withdraw at any time: I put fund products here. Monetary fund products such as Yu’e Bao have an income of 2.5%. Fund products do not have fixed income and need to be based on different investments. Finalize earnings.

Based on the above analysis, for the sake of safety, I think you can choose a three-year deposit product from a commercial bank, so that the income level will be roughly 3,000 yuan. If you can take risks, you can choose local banks, and the income can reach 4,500 yuan or fund products, and the income is determined based on the fund investment results.

What is the most cost-effective way to save 100,000 yuan? On the one hand, you must consider profitability, on the other hand, you must consider liquidity, and then choose the appropriate deposit product based on your actual situation.

At present, there are more than 4,000 banks and more than 200,000 bank outlets in our country. Different banks, or even the same bank’s outlets in different cities, offer different deposit interest rates, and at different times. Duan, the interest you get from bank deposits is also different. If you just want to get higher deposit interest, without considering the liquidity, you can refer to the following points.

First, choose a suitable deposit bank.

Under normal circumstances, the deposit interest rates offered by some small banks are much higher than those of large banks. For example, the highest interest rates in the market currently are rural credit cooperatives, rural commercial banks and some private banks. The deposit interest rates of these banks are generally 0.5 to 1 point higher than those of big banks, which is equivalent to 500 to 1,000 yuan more interest per year for 100,000 yuan.

Second, choose the appropriate deposit period.

There are a variety of maturities to choose from when depositing in banks, including demand deposit, three months, six months, one year, two years, three years, five years and other maturities. The deposit interest rates given by banks with different maturities are different. Generally speaking, the longer the deposit term, the higher the corresponding deposit interest rate will be, especially for those small banks. For example, in some small banks, if you deposit 100,000 yuan at a time for a term of more than 5 years, you can basically get an interest rate of more than 5%, but for a three-year deposit, they may only give an interest rate of 4%.

However, for most big banks, their three-year and five-year deposit interest rates are actually similar. This is mainly related to the FTP assessment mechanism adopted by these big banks.

Therefore, if you want to get higher deposit interest, you may wish to consider depositing a longer term, such as a five-year time deposit, in a small bank.

Third, choose the appropriate time point.

There are 12 months in a year, and the deposit interest rates offered by banks may be different in different months. The specific interest rates that can be offered have a great relationship with the bank's capital shortage. Generally speaking, When bank funds are relatively tight, the interest rates available are relatively high. June and December of the year are generally when banks face the most stringent assessments. At this time, in order to cope with the assessments, major banks will raise higher deposit interest rates to absorb user deposits, so everyone wants to obtain higher deposits. You can choose to deposit the interest in December or June.

Nowadays, when many users go to banks to make deposits, they look at the deposit interest unilaterally. Which bank gives higher interest and which period gives higher interest, they choose which one, but during the deposit process , we cannot blindly pursue high returns, but must also take into account the liquidity of deposits.

If you may use this deposit at any time in the future, then I do not recommend that you save those time deposits, because the flexibility of time deposits in most banks is very poor at present, and you cannot withdraw them in advance during the deposit period. Yes, if you insist on withdrawing in advance, the interest can only be calculated based on the bank's current current interest rate on the day of withdrawal. Currently, most banks' current current interest rates are only about 0.35%, which is equivalent to only 350 yuan for 100,000 yuan deposited in one year. The interest income will be reduced by more than 10 times, which is very uneconomical.

Therefore, if you are likely to use this 100,000 yuan at any time in the future, then I suggest that you consider purchasing those smart deposits from some banks. Currently, many banks have launched smart deposits with low yields. Low, many banks can give a maturity interest rate of 100,000 yuan with a five-year term of more than 5%, and these smart deposits support early withdrawal, and early withdrawal is linked to interest calculation. Most banks have more than one year of deposit, and early withdrawal is You can get an interest rate of more than 2.5%, and even some banks can get an interest rate of more than 4% if you withdraw it more than one year in advance. This rate of return is obviously much more cost-effective than the current interest rate for early withdrawal of time deposits.

When you go to bank to deposit money, you will definitely consider the income first. Usually, everyone hopes that the higher the interest, the better. However, while pursuing high income, everyone must also consider liquidity instead of blindly The pursuit of high returns ignores liquidity.

In reality, many friends see that banks offer very high deposit interest rates, so they deposit three-year or five-year deposits at once. However, because they are in urgent need of money, they want to save money. If money is withdrawn in advance, interest will only be calculated at the current interest rate, which is very unwise.

Therefore, when you make a deposit, you must choose a suitable deposit bank, a suitable deposit period and a suitable deposit product based on your actual situation. Only by finding a suitable deposit method can you achieve the maximum return. change.

At present, banks are no longer what they were twenty years ago. Today’s banks are basically a comprehensive financial service platform, providing a variety of services. As far as investment products are concerned, banks involve Our products include at least the following: treasury bonds, time deposits, demand deposits, certificates of deposit, structured deposits, funds, participating insurance, financial products, precious metals, etc. The products are diverse and can meet the different needs of different people.

However, although there are many products, for most ordinary investors, the most suitable investment products are still limited. Treasury bonds have fewer maturities to choose from, the risks of funds and precious metals are higher, the yields on dividend insurance and demand deposits are low, and the minimum deposit point for large certificates of deposit is relatively high (starting at 200,000 yuan), so it is still suitable for the public. Time deposits, structured deposits and financial products.

Among the three, structured deposits are actually somewhat similar to previous capital-guaranteed financial products (currently bank structured deposits are basically capital-guaranteed structured deposits), so the choice is equivalent to only What remains are time deposits and financial products.

If in the past, financial management products would definitely be recommended first. Firstly, financial products have diversified terms (from 30 days to 10 years), and secondly, the return rate of financial products is much higher than Fixed deposits. However, as banks innovate, current time deposits are becoming more and more competitive, especially in small and medium-sized banks. The interest rates of many time deposits are not lower than the yields of financial products, and they have the ability to calculate interest in installments or in installments. It has the function of interest-bearing. When the yield is not lower than that of financial management products, the liquidity is higher than that of financial management products. It is really a rare investment method.

Of course, in addition to time deposits, banks have also launched many new products for financial products, such as open-ended financial products. In the past, the financial products we handled in banks were basically closed-ended. Wealth management products (the products cannot be redeemed before they expire), in order to improve the competitiveness of wealth management products, many banks have now launched open-end wealth management products (also known as current wealth management products), which can be redeemed at any time 7*24 hours, and are liquid The profitability has been greatly improved. Of course, the yield rate is slightly lower than that of closed-end products, but it is generally above 3%. It is still very competitive compared to monetary funds such as Yu'E Bao.

The ratio of this asset allocation is: 10% of money to be spent, 20% of money to save life, 30% of money to make money, and 40% of money to maintain capital and appreciate.

This is only for reference, and different proportions will be determined based on your actual situation.

Why do we need to make this allocation? The first reason is that we always have to face accidents, diseases, and deaths in our lives. Therefore, the first step is to use our usual spare money to allocate one when we need it. The protection that can save lives, the money that saves lives here refers to insurance, and insurance can be a small gain for a big gain.

When we have an unexpected illness, we can transfer the risk to the insurance company, so that when we need money, we will not have to sell houses, cars, or even pots and iron, causing the family to fall into poverty due to illness.

The ratio here is generally 5%-10%. The specifics will depend on your annual income, family members and family situation.

For example, the situations you need to consider are different when you are single and married. When you are single, you need to consider your parents. In a married family, in addition to your parents, you also have your partner and children.

The income situation of an annual income of 100,000 yuan and an annual income of 200,000 yuan is also different. It is recommended to choose consumer premiums when configuring insurance. You can use the minimum premium to configure the maximum protection to the maximum extent.

Calculate the money you need for daily use based on your approximate daily expenses every month. Try to keep it for about 3-6 months. This is spare money in case your family needs money the most. Can't take it out. This is also emergency money, and should not be used unless absolutely necessary. If it is used in daily life, it must be replenished as soon as possible.

Put half in Yu'e Bao and half in bank cards, so that you can use it as soon as possible when needed.

If these two have been completed and the 100,000 yuan has not been used, it is recommended that you use the money for a simple allocation in a ratio of 50:50.

Half buy stocks and half buy bonds. Why?

Buffett once said: Be fearful when others are greedy, and be greedy when others are fearful. Investment is anti-human. When others are not optimistic, we should not join in the fun.

Most people are cut off because they don’t know how to follow the trend. Behind the stocks is a company. Their purpose is to make profits and make money. Companies that do not aim to make money are not good companies. Can stocks make money? It depends on whether it is a good company, whether it can develop sustainably in the future, and whether it is cheap now. Buy when a company is cheap and sell when it reaches a high point.

We cannot predict the future market. With this configuration, when stocks do not make money, bonds will make money. When bonds do not make money, stocks will make money, and when stocks fall, it will be us. Opportunities, because we can dilute costs, the premise is that we have to find a good company, such as Moutai. Now the stock price of Moutai has reached more than 1,000, and it is overvalued to enter the market at this time, but with more than 3,000 stocks, there is no need How much, master the method, find a good company, and you can still buy it.

Maintaining a good dynamic balance can overcome the weaknesses in life to a certain extent, and it can also ensure and help us maximize our returns.

We ordinary investors use this method to cope with changes by remaining unchanged. We don’t expect to get rich overnight, but there is no problem in letting our assets steadily increase in value.

The reason why bank deposits are not recommended is because bank interest rates are too low. Look at pork this year, it has become so expensive, and other things have also risen, but no matter how much our money rises, it cannot keep up with prices. At the rate of increase, our money has been depreciating. It is impossible to beat inflation and bank interest rates. As a monetary fund, Yu'ebao's returns are not very good now, but there are also stock funds in the fund, which represents a basket. stocks, so it is necessary to learn financial investment.