A lot of people are not willing to go to surplus money buying a bank fixed, feel to put the fixed appeal that do not have what, be inferior to be Qian Fang inside remaining sum treasure, enjoy higher yield. But, we feel, investor should undertake the asset of diversity is configured, it is a basis different risk, have capital fund fractionation is become low, medium, tall, , in putting different investment on the domain, go. The most correct conduct financial transactions allocates is: 4: 4: 2, and the first 4 it is bank time deposit.
Somebody can ask the likelihood, do I want to use one part fund at putting a bank for what fixed? Above all, the bank is the safest investment product regularly, past state commitment is rigid to bank deposit cash, rigid now cash is to do not have, but those who issue " deposit insurance byelaw " , although demonstrative bank went bankrupt, you still have the compensation that can win 500 thousand yuan. And do not look down upon these 500 thousand yuan, try to find out the real intention according to the Central Bank, this amount can enclothe the individual account remaining sum of 99.63% . And product of conduct financial transactions of other monetary fund, bond fund, bank already cancelled rigid cash.
Of course, also want Qian Cunyin to master a few small doohickey regularly all right: It is, if have 1 million ready money, should divide put much home bank, calculate so the bank closes down, also won't produce an effect to you. 2 be, the fixed interest rate of state-owned big bank is inferior, and in small bank drives the saving interest rate that give taller. 3 be, had better buy Qian Cunyin all right big deposit receipt, the doorsill is in 20-30 10 thousand yuan of above, and if you put period it is 3-5 surely year, can achieve the interest rate of yield of fund of money of summary prep above.
Moreover, the yield that puts a bank does not calculate very low. If be in a bank to stock 200 thousand - capital of 300 thousand above, can achieve interest rate of privilege of big deposit receipt, 3 years period reach 5 years period interest rate also just 4.2% the left and right sides, fund of money of summary prep above. But get at present the influence of domestic economy be issued to lower levels, investment house property, stock market, fund can not deficit is pretty good, why to talk to obtain stable yield every year again? And, domestic inflation rate is in already now 3% the following, m2 is added fast will wander for a long time in 8% the left and right sides. Big and long-term deposit receipt also is not run not to win instantly inflation rate.
Again, bank deposit liquidity is good, accrual has safeguard. Have depositor to be put surely 5 years 800 thousand big deposit receipt, after expiring, nature can get income of fixed interest rate. But put in him enough 2 years when want to shift to an earlier date draw money, that bank can press accrual of 2 years of fixed computation, along with take along with with, fluidity has safeguard. And product of a few other economy, sell skill add complex, and 45 days of money not Zhang, and product of additionally a few conduct financial transactions can expire only talent draw money. Even if remaining sum treasure also needs to carry show 2 hours to arrive Zhang.
Finally, compulsive deposit, good convention of nurturance conduct financial transactions. Although income of older generation person is not tall, also unlikelihood youth earn is much. But put money fixed, come down 35 years, also put brushstroke is considerably fortune. And if the youth understands treasure of money existence remaining sum, small change inside, after the salary below every months of hair, always be in imperceptible in went out money to the flower, also did not leave a few money to lunar end really. So, the youth should take out one part first Qian Laicun is fixed, the good convention that nurturance deposit deposits money.
In fact, short-term and small time deposit, really opposite at other investment for means yield on the low side, but in interest rate of long-term big deposit receipt can not be defeated at other and dovish model investment breed. And fixed deposit receipt is having security tall, liquidity is good wait for an advantage. Accordingly, investor can take out one share capital to be used at time deposit appropriately, regard diversity asset as the one part of configuration its, be united in wedlock with the diversity of other investment means regularly only, ability avoid all sorts of uncertainty risks, can obtain relatively good yield again.
