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3 Don 'ts to keep in mind

2018-04-20 20:48:34

At present, saving is still the main way most people manage their money. However, many people often just care about the level of deposit interest rates, and rarely pay attention to some skills and methods in savings. Experts warn investors that improper savings will lose money. The "three don 'ts" should be remembered.


This information comes from experience


Don't keep all your money in one certificate of deposit. Although some banks can handle part of the early withdrawal, the rest of the deposit can also be calculated at the original interest rate, but only allowed to handle one time. The correct savings method is that if you have 10,000 yuan, you can separate four deposit certificates, one each according to the amount of 4,000 yuan, 3,000 yuan, 2,000 yuan and 1,000 yuan. In this way, when the money is urgently needed, the interest loss will be minimized.


Don't ignore certificates of deposit maturities for long. Ms. Zhang's three-year certificate of deposit of 100,000 yuan matured in April 2016, and Ms. Zhang thought that she was not in urgent need of money anyway, so she did not go to it. I thought that after the maturity will still be in accordance with the 3-year fixed deposit interest rate, but in May 2017, when Ms. Zhang went to withdraw the money, it was found that the original from April 2016 after 1 year, Ms. Zhang's money is in accordance with the demand interest rate, so that she lost nearly 1500 yuan of interest, Zhang Ntu regret.

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