Increase Interest Rate &Nbsp; Try "12 Certificate Of Deposit" Method.

A sound Increase interest The Gong rang and opened the curtain of the rabbit year. For many investors, the first thing about the year of the rabbit is to go straight to the bank queue deposit.

"Who says investment is stock? fund , Conduct financial transactions Products? In fact, if savings are kept in good order, there will be high returns. " Xiao Zhen, who works in a foreign company, is a member of the "deposit family". Xiao Zhen has learned from his experience that in fact, investment is based on savings, and savings is not "money in the bank to get very little interest". So, if we plan and use some savings skills, we can not only double interest, but also effectively accumulate assets for urgent needs.

　　 Clever allocation of four points financial resources

Xiao Zhen has been working for more than a year. He has made a lot of money saving plans, and is unable to catch up with the changes. More than 3 months ago, Xiao Zhen met the old student working in the bank on the Internet. When he talked about his anguish, his old classmates asked the bank's financial planner to give him a few strokes.

First, Xiao Zhen divides his monthly salary of 4000 yuan into four parts, that is, 40% for daily expenses (protection), 1600 yuan, 30% for bank deposits (emergency) 1200 yuan, 20% for investment 800 yuan, 10% for extra expenses, 400 yuan, and after 3 months, excluding daily expenses spent, currently available for emergency bank deposits, there are 400 yuan, available investment funds are RMB yuan, and extra expenses are left behind yuan yuan.

This way is what financial planners call the "four point method". As a matter of fact, the public can apply it to "three points" and "five points" according to their personal habits and wages. For example, according to the different needs of families, the financial management mode can be divided into daily life spending, health spending, pension money, children's education and so on.

　　 Every month, only one surprise.

Gradually became accustomed to the "four points" financial management mode of small Zhen, began to calculate their monthly 30% bank deposits. As a matter of fact, interest rate of 0.4% of demand deposits is rather small. Interest may not be enough for interbank withdrawals.

So, from this month, Xiao Zhen saved 1 yuan a month as a deposit of 1200 yuan. After 1 years, the principal plus interest rate is 1236 yuan (1200+1200 * 3%). In this way, there will be 12 certificates of deposit of 1200 yuan in 1 years. There will be a deposit certificate every month in the second year. If there is no need for money, the certificate of deposit can be automatically renewed, and the 1200 yuan that will be saved every month will continue to be added to the deposit certificate that expires in the month and continue to roll the deposit.

Xiao Zhen has calculated an account. If the deposit rate of 1 years is kept unchanged by 3%, the amount of each deposit certificate will be "rolling" to 2509.08 yuan, 3820.35 yuan and 5170.96 yuan in third, four and five years. Looking at the amount of deposit in hand, the amount of money has gradually been "snowball". Xiao Zhen once felt the sense of accomplishment of savings. "In this way, I always have 12 certificates of deposit, and every month there will be a fund to be used."

In fact, this method is a very popular monthly savings method, also known as the "N single method", because everyone can also according to their needs, and so on, try "24 deposit certificate method", "36 deposit certificate method", the principle and "12 deposit certificate law" is the same.

　　 The key to saving snowballs is sticking to it.

Financial experts say that the "12 deposit certificate" is indeed a lot of benefits. On the one hand, the fixed interest rate is much higher than the current deposit. It can also consider extending the fixed deposit period and benefiting more. On the other hand, the deposit receipt is kept in circulation year by month and month and month. Once it is in urgent need of money, it can cash the deposit in the month to come. Even if the certificate of deposit is not enough, it can also pledge the undue deposit certificate as a pledge, which not only reduces the interest loss but also solves the urgent need. Moreover, in the period where interest rates are more frequent, the monthly deposits are flexible and can be adjusted in time according to the interest rates.

However, experts have warned that no matter "four points" or "12 deposit certificates" can be called mandatory savings, the most important thing is to persevere in order to achieve gratifying results. In addition, when the deposit is fixed, it is important to open automatic transfer business. It saves the trouble of running the bank every month after the expiration of the certificate of deposit.

Savings, consumption and investment. What do you like best about "three carriages"? Foreign exchange, futures, banks, insurance, collections... "Eighteen Wu Yi", which one are you good at?