In The Era Of Positive Interest Rates, &Nbsp Comes Again.

At present, one-year regular Deposit interest rate For 3.5%, this means that the negative interest rate era has ended for several months, and the interest rate era is coming again. Under such circumstances, some of the less risky and less profitable, but not lax people, have begun to become popular.

　　 Method 1: live and work.

Many citizens have such worries. Bank cards have a large cash balance, but because they do not know their future spending plans, they dare not deposit these funds into fixed deposits. They can only indulge in large amounts of funds in current accounts and earn very little.

The bank's launch of fixed and flexible solutions solves this problem very well. The monthly fixed date bank automatically transfers the portion of the current balance to the fixed amount, and when the customer takes the cash in the ATM or the POS machine, the bank will automatically transfer the time deposit part to the current account holder once the demand balance is insufficient.

However, in this way, it is important to note that if the savings account is linked to the credit card account for automatic repayment and the current balance is insufficient, the bank will not automatically transfer the regular portion.

　　 Mode two: Tim Lee agreement

The terms of the agreement are similar to those of the two parties. Bank Automatically transfer the current balance to the set portion of the reservation automatically.

However, the Tili agreement is to link accounts with money market, short debt and other low risk funds to provide effective cash management and investment management for customers. When the current balance in the account is insufficient, it is necessary for the customer to manually redeem the operation.

　 Mode three: fund fixed investment

Compared to one-time purchase, Automatic investment plan Being able to dilute the cost, even if the net value of the fund has been falling, will also benefit from the cost being diluted.

Investors can go to a bank agreement to invest in a specific amount of subscription fund every month. As long as the client signs an agreement with the bank, the bank will automatically deduct the agreed funds to the fund account from a designated account on a fixed date every month. This method is simple and convenient to operate, and is very suitable for lazy people to invest. If the balance of the current account is not enough for the fixed investment, the bank will stop the transfer and will not cause the customer's credit loss.

Compared with ordinary time deposits, the fund will be invested in compound interest and will get the proceeds after the net value of the fund rises. However, the fund has a longer cycle of fixed investment and effect, at least 2 years or more to see the proceeds, which is suitable for investors who accumulate funds for longer term goals.

　　 Mode four: gold accumulation

Gold accumulation means that customers can choose 5, 15, and 25 each month for any day, and purchase gold based on the international gold price of the day. They can be set in gold numbers or fixed monthly money to buy gold.

as long as account With the remaining money, the bank automatically deducts the amount of gold purchased on the appointed day. This method is suitable for customers who want to hedge their family assets and do not have enough funds to buy gold at one time.