2. Choose the deposit term: the deposit amount can be divided into two or three separate deposits, and one of them can be withdrawn in advance if necessary;
3. Choose a deposit bank: under the condition of the same deposit type, amount and term, the annual interest rate of deposits provided by different banks is also different. Generally, large and medium-sized banks do not have high deposit requirements and the annual interest rate of deposits is relatively low, while small and medium-sized commercial banks usually attract deposits through excessive interest rates.
The above is how to get the highest deposit income with 500,000 yuan.
Extended data
It's good to save money and manage money.
There is no contradiction between saving money in the bank and buying wealth management. You can choose independently, or you can take into account the operation. There is no absolute answer. Because everyone's risk tolerance is different, it directly determines the flow of funds.
1, the benefits of deposit
Strong stability, fixed interest, and can lock in full-term profits (there are differences among banks, so you need to consult at bank outlets). There is a deposit insurance system of 500 thousand. The standardization brought by supervision is high, and the credit rating of banks is high. You can withdraw money in advance for urgent use (you will lose interest, but don't consider interest when you are in urgent use). Special note: people who choose deposits usually have low risk tolerance, which is not a bad thing. After all, it is not easy to make money, and it is always less than tossing money. But choosing stability means giving up the desire for high interests.
2. Benefits of financial management
There are many products that can be disposed of freely, and products can be changed flexibly when time limit allows. The income range of fixed income products is wide: 3-5%, money fund: 1.8-2.8%, and bond fund: 5-8%. The stock fund will be higher when it encounters special market: if the market is good, it will have a double chance, and if the market is bad, the loss range will be large. The best way to resist risks is to adopt the "fixed investment mode" and then fully consider various details (see my video and other articles for details). The annualized 10-20% is still worth looking forward to. High-risk investment: the categories such as stocks, futures and foreign exchange need to be decided according to their own conditions. Ordinary investors are not recommended to participate, because they may earn several times in the short term or lose everything. Special note: financial management needs to have a clear grasp of the functions and transaction characteristics of various products, and should be comprehensively considered according to the term, income, risk degree and market situation, and unified deployment. Therefore, it is suitable for people who have risk tolerance or want to play their wisdom.