A deposit method that a bank won't tell you

For example, if you have 60,000 yuan in your hand, which you can't use for the time being, and want to deposit it for a fixed period, but you are not sure whether you will use the money in the future, you can use this method.

1. The first step is to divide the 60,000 yuan into 3 parts: 10,000 yuan, 20,000 yuan, and 30,000 yuan.

2. The second step is to choose 1-year, 2-year, and 3-year fixed periods for these three parts, of which 10,000 yuan is deposited for 1 year, 20,000 yuan is deposited for 2 years, and 30,000 yuan is deposited for 3 years.

3. The third step is to deposit the 10,000 yuan that expires after 1 year as a 3-year fixed period, the 20,000 yuan that expires after 2 years is deposited as a 3-year fixed period, and the 30,000 yuan that expires after 3 years is deposited as a 3-year fixed period.

After 3 years, all the 3 deposit certificates in hand have become 3-year certificates, but the expiration time is different, and the difference is 1 year.

In other words, there will be a fixed deposit due every year thereafter.

There are two benefits to this savings method:

1. Liquid funds are available every year

2. All money enjoys the high interest of a 3-year deposit

That is to say, you can enjoy: regular interest rates & flexible current deposits

This ladder savings method is a medium- to long-term investment, suitable for most working families and young people who have just entered the workplace.

Learn to save money and live the life you want