In today's economic environment, more and more people are beginning to attach importance to the importance of saving and reduce expenses as much as possible in daily life in order to increase their savings. When taking care of deposits, some people habitually keep money in the bank, feeling that it is safer to do so and can get more interest. However, there are also "tricks" to depositing money in the bank, smart people go to the bank to deposit money, often choose 3 ways.
1. Carefully select banks
In the past two years, the overall decline in deposit interest rates, many large, medium and small banks have adjusted deposit interest rates, some more than once. These rate adjustments are not completely synchronized, so there may be large gap in deposit rates between different banks for the same maturity. For example, at present, the listing interest rate of ICBC's 5-year deposit is only 2.25%, while the 5-year fixed deposit interest rate of some small and medium-sized banks can be close to 4%.
Therefore, when smart people go to the bank to deposit money, in order to get more interest, they often carefully choose the bank. Some people will bother to compare the deposit interest rates of surrounding banks, and some people will take transportation to save money in other provinces in order to get high interest rates, hoping to get more interest income.
2. Deposit cycle
After choosing a certain bank, some people may struggle when choosing the term of the deposit. In general, it is more cost-effective to choose a period that can hold just enough to expire. But this is only ideal, some people when saving money, can not determine the idle time of this money, want to save for a long time, afraid of early withdrawal, want to save short-term, and think of low interest rates. In fact, at this time, you can use the deposit cycle to make yourself both profitable and liquid.
For example, if the idle time of a sum of money is relatively short, such as the idle time is less than half a year, you can save a 3-month period every month, and save for 3 months, so that a sum of money expires every month. Of course, the yield in this way is relatively low. If the idle money is idle for a long time, for example, it may be idle for more than 5 years, then you can save a 5-year fixed deposit every year, and it can have a similar effect after five years.
3. Split + combine
Today's deposit interest rates are relatively low overall, and all funds are deposited in bank deposits, and the interest rate level enjoyed will be relatively low overall. In such a case, part of the funds can also be managed with the help of bank deposits, and funds that are not suitable for use deposit products can be divided and managed in a stable value-added way other than deposits.
For example, medium- and long-term funds with an uncertain period can be introduced into savings treasury bonds, and short-term funds with an uncertain period can be introduced into bank change wealth management. Or you can also follow the general trend, with the help of some foreign trade economic platforms such as consignment sales, 100,000 yuan of profit per month.
In short, if you want to get more passive income, there are also tips, you may wish to try the above 3 ways when you save money next time, it may be more cost-effective.