With the central bank's interest rate cut and RRR cut at the beginning of the year, the annualized interest rate of bank time deposits is about 2.50%-3.00%, which is relatively low. At present, the inflation rate in China is above 2.50%. Therefore, the basic function of depositing funds in banks is equivalent to inflation.

At present, there are many better financial management models than banks on a regular basis, depending on personal economic strength and mentality.

If it is relatively stable, you can choose some insurance companies' wealth management products, which can generally reach the overall annualized rate of return of 4%-5%, but it will take longer to see the benefits, and the regularity and safety of insurance companies also need to be considered. Or you can choose some wealth management companies for cooperative wealth management. This amount of funds is large, and general wealth management companies can achieve cooperative wealth management with capital preservation as the bottom line. At present, it is known that the monthly rate of return is 4%- 15% and the annualized rate is above 50%.

If you are a neutral friend, you can choose some current investment and wealth management products in the form of bargain hunting. For example, now that the prices of silver and crude oil have fallen to the cost price, you can buy paper silver or network crude oil as medium and long-term assets in the bank. Once the price rebounds, the profit margin above is very large, and there is no problem with an annualized rate of more than 50%.