大额存单剖析：门槛20万起，比定存多赚的利息在哪里？

Core Insights - The article discusses the concept of large-denomination certificates of deposit (CDs), highlighting their characteristics and advantages over traditional fixed deposits [1][2]. Group 1: Definition and Characteristics - Large-denomination CDs can be understood as "enhanced fixed deposits with a higher threshold," typically requiring a minimum deposit of 200,000 to 300,000 yuan [1]. - They offer slightly higher interest rates compared to regular fixed deposits, with examples showing a one-year rate of 1.2% for large-denomination CDs versus 1.0% for regular deposits [1]. Group 2: Interest Calculation - For a deposit of 200,000 yuan, a regular one-year fixed deposit at 1.0% yields approximately 2,000 yuan in interest, while a large-denomination CD at 1.2% yields 2,400 yuan, resulting in an additional 400 yuan over the year [2]. - The difference becomes more pronounced over three years, with a regular three-year deposit yielding about 8,400 yuan and a large-denomination CD yielding 9,300 yuan, resulting in an additional 900 yuan [2]. Group 3: Comparison with Other Investment Options - Compared to regular fixed deposits, large-denomination CDs offer slightly higher interest rates but come with a higher entry threshold [4]. - When compared to government bonds, which may offer more attractive rates (e.g., over 1.8% for three-year bonds), large-denomination CDs provide easier access through bank apps, enhancing their flexibility [4]. - In comparison to low-risk financial products or money market funds, which may offer similar or slightly higher returns, large-denomination CDs stand out for their guaranteed principal and interest [4]. Group 4: Practical Considerations - The article emphasizes the importance of understanding the "transfer" feature of large-denomination CDs, which allows for the transfer of the CD to other investors if funds are needed before maturity [5]. - It suggests exploring options beyond major banks, as smaller banks may offer more competitive rates for large-denomination CDs [5]. - The article advises considering the duration for which the funds will be unused, recommending shorter terms if funds may be needed soon, while longer terms may be suitable for funds that can remain untouched [5].