1. Automatic transfer has not been established. This is the most basic and least withdrawal phenomenon. When the time deposit expires, it is not agreed that it will be automatically transferred at the time of deposit, but only agreed to deposit the time deposit (3 months, 6 months, 1 year, 2 years, 3 years and 5 years). Now that the deposit has expired, I don't intend to keep it, so I'd better take it out. Anyway, the interest is paid at the current interest rate. This situation usually exists when there is less money. For example, a time deposit of RMB 65,438+0,000 will not be automatically transferred after maturity, and the interest in 35 yuan will be paid at the current interest rate of 0.35% for one year. Why not take it out?
Second, there are banks with higher interest rates. I don't intend to continue to deposit in this bank after the bank time deposit expires, because I have found a bank with a higher deposit interest rate. At present, the competition for bank deposits is fierce, and it is very difficult to get a deposit. First of all, there must be something more attractive to customers in terms of interest rates. As long as it is higher than other banks, even 0.05% higher, a publicity may attract a large number of customer deposits. Earn back the time deposit after it expires, and immediately take it out and deposit it in another bank with higher interest rate.
Third, there are more cost-effective ways to manage money. Before deposit, there are no suitable financial investment projects. At the time of deposit, I suddenly found a wealth management product suitable for investment, so I had to wait for the deposit to be taken out before buying wealth management. Wealth management products are equivalent to deposits, and the expected yield of products is higher than that of deposits in the same period. Bank wealth management products, national debt and money fund wealth management products are all relatively stable and safe wealth management products.
Fourth, because of feelings, change to another bank to give employees top tasks. It's time for bank employees to show their magic after completing their personal goals under the bank's storage task. More often, they use the method of soft grinding and hard foaming. There is no shortcut, just go to the door again and again to publicize the bank's preferential policies and make friends until customers come to deposit. Many people have been visited many times by bank employees because of their emotional problems, waiting impatiently for the deposit to expire and put it in another bank silently, thus getting rid of the entanglement.
This fixed deposit fund is badly needed. Life, work and personal needs this money for emergencies. When the deposit expires, whether it is borrowed by friends or family members, or I need to spend money in case of emergency, I just need money anyway, and I can't do it without money. I can only hold it and take it out to relieve the pressure.
This question is a bit confusing. Time deposit expires, don't take it out and wait for deposit and inflation PK? Or wait and see how much purchasing power can drop? Or do you experiment with the result of not withdrawing your savings for a lifetime? Freedom of withdrawal is one of the principles of bank deposits, so you don't have to worry about the reasons why others deposit money.
Why do some rich people withdraw their money after their time deposits expire? They don't show off their wealth and they're not stupid, but there's a little secret you may not know?
As we all know, if the time deposit is agreed to be automatically transferred, the original deposit and interest will be merged into a new principal after maturity, and the interest rate will be implemented according to the listed interest rate on the transfer date. There are loopholes in this! Many banks implement the above measures, but some banks pretend to understand the confusion. There are generally three kinds of interest rates for bank deposits, one is the quasi-interest rate promulgated by the central bank, the other is the listing interest rate of commercial banks, and the third is the preferential interest rate of commercial banks (also known as the temporary execution interest rate). Take the one-year interest rate as an example, the benchmark interest rate is 1.5%, and the general listing interest rate of large banks is 1.75%, but banks may implement the preferential interest rate of 1.95% when they engage in activities. In case of automatic deposit, the system defaults to1.75%; If the bank marketing opens a new account, the teller will manually execute 1.95%. This way, the bank is simply making a fortune!
Of course, there are other reasons why rich people take them out. For example, the discovery of new investment projects requires the use of cash; Feel that other wealth management products or certificates of deposit are more cost-effective, and take them out and reconfigure them; Or think that the services and products of the bank are not to my taste, I will take out the cash and transfer it to other banks. However, it is unlikely to withdraw large amounts of cash. No matter what kind of demand, you can deposit it in the bank card. Whether investing, changing products or changing banks, you can swipe your card or transfer money through mobile banking or online banking. It's not safe to bring huge amounts of cash, but it makes others think you are a local tyrant, don't you think?
When the time deposit expires, you must take out the money!
Many people withdraw their money when time deposits expire. Why? Let's talk about why we need to withdraw the time deposit.
1 costs money.
Time deposits are due, and many people withdraw their money mainly because they need money. This way, after the money is taken out, you can buy something or have other uses.
2. Look for other investment opportunities
After all, time deposits don't have high interest rates. Wait until the time deposit expires before taking it out to see if there are better investment opportunities. For example, you can do a one-year financial management, which is still about twice the interest of a one-year deposit. Now the interest on financial management is about 4% a year, and you can still earn twice the interest. You can also go to other banks to see if the interest rate is higher, so it is easy to get more interest income. You can also see if there are better opportunities to get high returns in the stock market.
3. Avoid interest loss
After the maturity of time deposits, many banks do not transfer time deposits. Some banks regularly deposit at lower interest rates. These are all places that may cause loss of interests. If you don't deposit regularly, you can only get current interest, which is only 0.35% a year now. This feeling is a loss. There are also banks that transfer money to you, but the interest on the transfer is slightly lower and there is a loss. Therefore, it is better to withdraw the money when the time deposit expires.
To sum up, when a time deposit expires, it is mainly to use the money to withdraw the money, or to avoid the loss of interest and find better investment opportunities.
Thank you for your support!
After the time deposit expires, some rich people will take out the money. Generally speaking, there are two reasons. One is that the money has a new use plan, and the other is to seek higher returns.
Take a three-year deposit certificate of a bank as an example. If you buy it directly from the mobile phone bank, the annual interest rate is 4. 18%, and you can't pay interest until it expires. But if you go to the counter, the annual interest rate is 4. 18%, but you can pay interest on a monthly basis. In this way, the interest can continue to manage money, and the comprehensive income exceeds 4.20%.
For time deposits, the more deposits, the more favorable the interest rate. If there is no automatic deposit agreement, it will become a current account after maturity. If the automatic deposit is agreed, the interest rate discount after maturity will be gone, and it can only be based on the bank's listing interest rate on the same day. At present, in order to save money, banks generally raise interest rates, and automatic deposits are often not enjoyed.
As prices rise, the interest rate we actually enjoy is negative. The longer we save money, the more it depreciates. Some people will consider other investments or uses after their deposits expire.
Whether it is used to invest in real estate, stocks or luxury goods, it is very realistic to take out the money for standby at any time. Considering that time deposits cannot be directly transferred or consumed, even if they are not withdrawn, they should be kept in a current state in case of emergency.
The current deposit certificate interest rate is much higher than that of ordinary deposits. Some people shop around, choose a deposit with higher interest rate after the original time deposit expires, or transfer funds from other bank accounts. Together, they naturally reach the standard of deposit certificates and enjoy higher interest rates. In addition, buying wealth management products or structured deposits can also get higher returns, and the liquidity is much better than the original time deposits.
Even in the same bank, you can consult the deposit interest rate after the maturity of time deposits to see if there are any discounts. If it reaches a certain amount, the staff can float as much as possible according to a certain proportion, which is much more cost-effective than direct transfer.
Finally, bank transfer will leave a record, but cash will not. Some people who do business will pay their employees wages and bonuses in cash, which will make it easier to keep accounts and achieve the purpose of saving taxes. As for whether anyone takes out cash and transfers it to underground banks for foreign exchange, or uses it for illegal purposes such as gambling and bribery, it is beyond our prediction.
After the time deposit expires, if it is not taken out, some banks will automatically transfer it to another period according to the previous deposit time, with the latest interest rate. The other part of banks will turn into demand deposits or low-interest deposits, which is not cost-effective. In addition, the use of money is generally planned before it expires.
1. After the time deposit expires, you will make less money if you don't take it out.
Because after the time deposit expires, if you don't take it out, you will either transfer it to the bank at one time or turn it into a current account. Either way, you won't choose the best interest rate to renew your insurance, which is equivalent to earning less interest, which is not cost-effective.
2. Many friends have made use plans before the time deposit expires.
Most people have a habit of planning the use of money before the time deposit expires. Do you want to take it out for shopping and buying a house? Do you want to deposit a time deposit? Or buy other wealth management products? So, take out the money when it is due.
With the improvement of investment and financial management, many friends no longer save time.
With the rapid development of mobile network, more and more friends realize that bank time deposit is not a good choice, such as withdrawal in the middle, loss of income, too long time and inflexibility. There are many wealth management products with higher returns and better flexibility on the market for you to choose from? This is also a big reason.
All in all, whether it is time deposit or buying other wealth management products, the purpose is to obtain high returns under the premise of safety. The disadvantages of time deposits make more and more friends reluctant to make time deposits.
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This is determined by the user's habits. At present, the financial management choices of the younger generation are rarely dominated by bank deposits, and most of them are bank financing or internet financing. This kind of financial management can basically ignore the problem of a period of time, and continue to transfer to the same type of financial products after the expiration to maintain the compound interest effect, which is what we call compound interest. However, the current model is not supported by ordinary bank deposits, and the users who choose bank deposits are mainly older users.
This cautious financial management group will carefully record the time period of regular bank deposits before, because the annual interest rate of the bank cycle fluctuates. After the expiration, they will take out the money and re-choose the financial management method.
Take the family around me as an example. After the expiration of the term, families who like to save regularly for many years will take out their money as living expenses and add a sum of money to make new prudent financial management choices. In recent years, under the propaganda of relevant bank staff, a large number of investors who save regularly turn to treasury bonds or sound bank financing, because the interest rates of these two types of financing are higher than those of simple bank savings.
As far as I know, many people do withdraw money after time deposits expire. As for the reasons for withdrawing money, nothing more than the following aspects.
1. After the deposit expires, take it out to see the actual income and satisfy your sense of financial management.
2. If there is no agreement on the due deposit, it must be taken out and re-deposited, and the time deposit income will be obtained again.
3. The certificates of deposit that are due to be transferred use the listed interest rate at the time of transfer, but now the interest rates of bank deposits are all floating, so you can't enjoy the floating interest rate unless you take out the deposits again.
Some investors have a carefully planned savings. After the fixed deposit expires, the funds have been arranged for use, such as buying a house, sending children to school and getting married.
5. Investors have better investment channels and will switch to other investment products after maturity, such as Yu 'ebao, regular wealth management, stocks and funds.
6. In fact, many people are a habit. They may not have a clear financial planning, no other financial channels, or even spend no money at all for the time being. This is just a feeling and habit. Take it out when it expires and leave interest and principal. Many old people are like this.
You are welcome to share your views and experiences.
When a time deposit expires, someone takes the money away, which may be due to the following reasons:
First, there are better financial products or investment projects:
Capital is profit-seeking, where the profit is high, it will flow there. Many people may just save their time as a transitional way to manage their finances. When the transition period is over, the funds will flow back to the places where they came before, such as the stock market, the property market, investment projects or corporate capital needs.
Second, the new fund has more bargaining power than the system transfer:
When a time deposit expires, if it is automatically transferred by the system, then the interest on this deposit is the default interest of the system, not the interest formed after you negotiate with the bank. Generally speaking, in order to increase new deposits, banks will raise certain interest rates to attract depositors, especially at the end of this year, many banks are doing the marketing activities of "opening the door" for the 20 19 New Year, and the interest rate will be higher than usual. Therefore, many people, especially elderly friends, in order to attract depositors.
Third, help friends who work in the bank to complete the deposit task:
Bank staff have various performance appraisal tasks every month, among which, drawing deposits is one of the most important assessment items, especially at the end of the year. Whether the tasks are completed or not has a great influence on your year-end bonus. Therefore, in order to complete the task, bank staff can mobilize all available forces to pull deposits. If you want to help such a friend, you will usually transfer the deposits from other banks to his bank.
After the time deposit expires, the rich will take out the money, mainly because they will use it for other purposes.
Many people think that rich people are the kind of people who put their money in the bank and pay interest regularly. Money is generally not used, so why take it away?
To tell the truth, the truly rich can bear greater losses, but it is easier to get higher returns. Many bank trust products can achieve a yield of more than 5% or even 7% to 8%, but the state stipulates that these products must be open to qualified investors to buy.
Qualified investors actually refer to people or institutions with corresponding risk identification ability and risk tolerance.
For ordinary individuals, they have more than two years of investment experience, and their family net assets are not less than 3 million yuan, or their total financial assets are not less than 5 million yuan, or their average annual income in recent three years is not less than 400,000 yuan.
The purpose of doing this is also to ensure that small and medium-sized investors avoid risks. 3 million people lost 10%, with 2.7 million left. Those with 10000 yuan lost 5%, leaving only 9500 yuan. The amount of capital is completely different.
At present, the prosecution standard of some common wealth management products in banks is 1 10,000 yuan to 50,000 yuan, and the yield is only about 3% to 4%, and the income is not guaranteed.
Generally, certificates of deposit with guaranteed income will rise by about 50% on the basis of the national benchmark interest rate of 2.75%. If it rises by 52%, it can only reach 4. 18%. Ordinary bank time deposits, especially the four major state-owned banks, generally rose by 30% to 40%. However, the initial deposit limit of a large deposit certificate is more than 200,000 yuan. For all kinds of wealth management products, the higher the general income, the higher the starting sales limit, and some can be as high as 1 10,000.
So, if there are better investment projects or wealth management products, why do rich people buy low-yield wealth management products?
After the time deposit expires, some people will withdraw their money, because they may have universal investment channels with higher returns, or they may be dissatisfied with the current time deposit interest rate. At present, there is another possibility that the liquidity demand is relatively large.
In short, after the time deposit expires, if it is automatically transferred by default, the bank will settle the interest, and then deposit the principal and interest income into the time deposit again according to the new deposit term, generally according to the previous deposit term. For example, if you choose a 3-year fixed deposit of a bank before, then the next new deposit period is also a 3-year fixed deposit, and the interest rate is implemented according to the current listing rate of the bank.
However, some banks do not automatically transfer deposits by default, but recalculate the deposit interest after maturity according to deposit interest rate. Haven't you lost money since then?
Therefore, some investors have no liquidity demand and no better financial products to choose from in the short term, so they continue to deposit in the bank for a fixed period. And those new time deposits deposited in the bank may be re-selected or other investment methods.