What is the concept of 100,000 yuan? You can buy a house of less than 1.5 square meters in the core area of Beijing and Shanghai, buy a scooter, or spend 1,000 times in Haidilao. Many people may have such savings on hand. Most young people’s savings are around 100,000 yuan. This is a figure that you can achieve with a little effort. With 100,000 in hand, how can I deposit more interest? Bank employee: Choose the wrong method to reduce the interest rate by half!
Nowadays, financial management has become a habit in people’s lives. In the current economic environment of negative interest rates, many people will maintain and increase the value of their assets through investment and financial management. There are also some friends who think it is more reliable to store money in the bank.
Take 100,000 yuan as an example, let’s take a look at the highest interest rate for internet deposits with major maturities: if you only deposit for 1 year (inclusive), the current maximum annual interest rate is 4.8%, which means you can get up to 4800 yuan in interest per year; if you deposit For more than 1 year, the maximum annual interest rate is 5%, but it basically takes 5 years to get it.
There are 12 months in a year, and the deposit interest rate offered by the bank in different months may be different. The specific interest rate that can be given has a lot to do with the tightness of bank funds. Generally, bank funds are relatively tight. The interest rate that can be offered at that time is relatively high. If you want to get higher deposit interest, you can choose to deposit in December or June.
Deposits with deposit rates as high as 5% are not impossible to find. Of course, such deposits will certainly not be many, and they will not be available frequently. This requires everyone to pay more attention to the movements of various banks in order to seize such opportunities as soon as possible.