1 and bank deposits within 500,000 yuan.
Bank deposit is the most traditional product to protect capital and interest. The reason why it is limited to 500,000 yuan is because after the entry into force of the Deposit Insurance Regulations in 20 15, it is clear that banks are also allowed to go bankrupt, and the maximum compensation limit for deposits after bankruptcy is 500,000 yuan, including deposit principal and interest.
Certificate of deposit and smart deposit products are two kinds of deposit products with high attention.
There are 200,000 general certificates of deposit, and the average interest rate for three years is around 4%. The deposit principal is protected by the Deposit Insurance Regulations. Investors can buy certificates of deposit through bank outlets or mobile banking, but all bank certificates of deposit are issued regularly and are not sold in real time.
Banks that issue bank smart deposit products are mainly private banks, which can be purchased through Internet platforms such as Jingdong Finance. Generally speaking, 50 yuan starts deposit, supports withdrawal with deposit, and calculates interest by early withdrawal, which is more flexible than certificates of deposit.
2. National debt
The issuer of national debt is not a bank, but the bank is the main channel to buy national debt. In the savings bonds, the three-year coupon rate is 4%, and the five-year coupon rate is also issued regularly every year, and the amount of each issue is limited. Because the national debt is guaranteed by the national credit, the principal and interest are guaranteed, and the expected income is considerable, so there are many buyers, and they are generally snapped up on the day of issuance. If you buy electronic government bonds, you can consider buying them through online banking.
What are the above contents about the bank's capital preservation and interest protection products, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.