Family Life Knows Everything.

Chapter 260

Since you choose savings as an investment tool, you must consider getting the maximum return with the minimum investment.So how do you choose to save seeds to get the maximum interest income?If you can cleverly use some of the small rules in savings, you will be able to get a lot of benefits.The following options are for your reference:
1. All kinds of deposits are calculated in yuan, and interest is not calculated on the dime or cent below yuan. Therefore, when depositing, try to deposit as much as yuan to reduce interest losses.

2. The deposit period refers to the period from the date of deposit to the day before the withdrawal, that is, interest is calculated on the day of deposit, and interest is not calculated on the day of withdrawal.The number of deposit days is calculated as 30 days a month and 360 days a year, regardless of the size of the month. The 30th and 31st are regarded as the same day. Deposits due on the 30th cannot be withdrawn on the 31st, and deposits due on the 31st cannot be withdrawn on the 30th, and deposits due on the [-]st are not considered one day in advance, so you can choose the deposit time flexibly.

3. If the interest rate of demand deposit is adjusted, the interest will not be calculated in stages, but the interest of the demand deposit rate announced on the interest settlement date will be calculated; if the interest rate of time deposit is adjusted, it will not be affected, and the interest rate announced on the deposit date will still be calculated.Depositors can choose current or fixed deposit methods accordingly.

4. If part of the time deposit is withdrawn in advance, the part withdrawn in advance shall be paid at the current interest rate on the day of withdrawal, and the rest shall be calculated at the regular interest rate at the time of deposit; if all time deposits are withdrawn in advance, it shall be paid at the current interest rate on the day of withdrawal, so if there is an urgent need Funds are withdrawn from time deposits in advance, it is best not to withdraw in full.

5. If the term deposit is not withdrawn upon maturity, in addition to the automatic transfer service, the interest rate from the due date to the withdrawal date shall be calculated according to the current deposit interest rate announced on the withdrawal date, so the term deposit is the best Handle automatic transfer business.

6. Choose lump-sum deposit and withdrawal of regular savings, and the longer the term, the better, because the longer the term, the higher the annual interest rate, but it should be considered in combination with the use of funds.If you have the year-limited fixed-term savings that you want to save, you can deposit it directly, with the highest interest.For example, if you want to save for 5 years, you can directly choose the 5-year period of regular savings, which will give you the highest return.If you want to save for a period of time, but there is no deposit period, you must choose two regular savings with a large difference in the deposit period.For example, if you want to save a 7-year regular deposit, you can choose a 5-year term and two 1-year regular savings, which will have a higher interest than choosing two 3-year and one 1-year regular savings.

family life made easy

Nowadays, there are many banks, and it is very important to choose which bank to deposit.One is to choose from the perspective of safety and reliability. Banks with basic conditions such as high reputation and good operating conditions can guarantee the safety of deposits.The second is to choose from the perspective of service attitude and hardware service facilities.The third is to choose from the perspective of savings bank functions.Nowadays, many savings banks are developing towards the direction of "financial supermarkets". In addition to handling normal business, they can also handle services such as paying phone bills, water bills, gas bills, and purchasing train tickets and air tickets. Choosing such a savings bank will bring great benefits to family life. Come conveniently.

(End of this chapter)