With the rapid development of the mainland's economy, it has basically entered the era of financial management for all. Whether it is the elderly or the young people who have just come out of society, they all pay great attention to the road of making money. Among them, money makes money is one of the ways that most people make money.
Among the many ways to make money, the safest and most effective way is bank deposits. But as the interest rate on bank deposits falls, the interest rate is getting lower and lower. So the question is, now with 250,000 yuan in hand, can you still achieve an annual income of more than 10,000? Let's find out together!
1. Bank deposits
With 250,000 yuan in hand, if it is stored in the bank, then the product you can choose is preferably a large deposit certificate. First of all, large certificates of deposit are the products with the highest deposit interest rates among banks; Secondly, with 250,000 yuan in hand, it has fully reached the threshold of large deposit certificates!
So what is the current deposit interest rate for large certificates of deposit in banks?
According to relevant data, the interest rate of ICBC's three-year large-sum deposit certificate is currently 2.65%, down 0.25% from last month's deposit rate. If calculated according to this interest rate, the annual interest that can be obtained for 250,000 yuan is 6625 yuan.
Of course, in addition to Bank of China, there are other banks that offer relatively higher deposit rates, such as China CITIC Bank. According to the survey, the deposit interest rate given by China CITIC Bank's three-year large-sum deposit certificate of 200,000 deposits can reach 3.087%, and according to this interest rate, the interest rate that can be received by 250,000 yuan per year can reach 7717.5 yuan. Compared with ICBC, the interest rate on deposits received is higher.
Although there are many other types of banks in the country, most residents will have all concerns due to factors such as bank visibility, security and bank strength.
2. Reverse repurchase of treasury bonds
In addition to bank savings, some residents will choose the reverse repurchase of treasury bonds, which is not only safe and secure, but also has considerable income, and the most important thing is that the flexibility of funds is strong.
According to relevant data, the income of reverse repurchase of treasury bonds can reach 5%, that is to say, according to this income, the annual interest of 250,000 yuan can reach 12,500 yuan per year, and it is not a problem to achieve more than 10,000 yuan.
But it's worth noting that while its returns are high, its cycle is short, to the point where it's only one day. Moreover, the income from the reverse repurchase of government bonds fluctuates almost every day, and the income cannot be stable every day.
The longest reverse repurchase of treasury bonds is only half a year, and the yield is also about 3%, sometimes even lower. Of course, it will definitely be a little higher than the yield given by the treasury bond!
Based on the above, it is more difficult for residents to rely on a safe and stable way to achieve an annual income of more than 10,000. Therefore, in the current situation, the best way to achieve annual revenue of more than 10,000 is channel diversification.
For example, if you deposit 200,000 yuan in a large deposit, you can get 6,625 yuan of interest per year at an interest rate of 2.65%; In addition, 50,000 yuan can be used to use foreign trade economic platforms such as consignment sales that meet the general trend, which can achieve a share of 1% in 30 days, 6,000 yuan a year, and 12,625 yuan of interest a year when added together, which can fully achieve an income of more than 10,000 yuan.
In general, in the period of falling interest rates, if you want to increase passive income, you must diversify the main channels. What do you think about this?