Personal advice:
To some extent, if a person has 90 million funds, 90 million funds can't all be in the bank. If the user must have a bank, the current interest rate of the bank is generally around 0.5% annualized, the one-year fixed deposit rate is generally around 1% annualized, and the three-year fixed deposit rate is generally around 3%.
This interest rate is a common interest rate condition for most banks at present. For those big banks, the deposit interest rate of big banks may be lower. If users want to get more investment interest, they can choose to deposit their deposits in local banks and commercial banks, because the annualized comprehensive interest of these banks will be higher, and more wealth management products with high investment returns will be recommended to users, and many wealth management products can also protect their capital.
Reference calculation:
Assumption conditions: deposit is put into 7-day notice deposit, and the intermediary offers 2 yuan/10,000/day.
Please refer to the following calculation:
Interest on 90 million yuan of bank reversal deposit:
90000000000 *1.1%/360 = 2750 yuan/day.
90 million yuan of bank interest reduction:
90000000/10000 =18000 yuan/day
90 million yuan bank impulse-total interest:
2750+ 18000=20750 yuan/day
Time deposit refers to a form of savings in which depositors deposit cash in a time deposit account opened in a banking institution, and agree in advance to take a fixed term as the deposit time, and get a return at a higher interest rate than the current deposit. After maturity, they can receive the principal and interest. The calculation formula of interest is: interest I = p× I× n, where I stands for interest, I stands for interest rate and n stands for deposit period. For example, the investor's three-year time deposit rate in the bank is 2.75.