The expected rate of return of the money fund has been falling all the way, and the expected rate of return of Yu 'ebao has fallen below 3%, which is far from the expected income of users. Therefore, many users are looking for other financial management methods, and smart deposits promoted by banks have begun to enter the field of vision of more and more people. However, some people still have questions, such as whether smart deposits are formal deposits? Today this article will help you analyze it.

1. Smart deposits are regular deposits.

First of all, I can tell you that as long as this product is really a smart deposit, then it is a formal deposit.

Generally speaking, the word "deposit" can't be misused, and the bank's smart deposit is no different from the formal deposit in the underlying assets. The word "smart" is added only because it has some innovations in interest calculation and access.

In other words, smart deposits, like ordinary deposits that people usually buy, enjoy a deposit insurance system of 500,000 yuan, which truly guarantees the capital and interest.

Second, the difference between smart deposits and ordinary deposits

As I said before, smart deposits are different from ordinary deposits in some ways. Let's take the smart deposit of Weizhong Bank as an example:

1. interest calculation method

Although ordinary deposits also have some regular and convenient modes, as long as they are withdrawn in advance, they will be calculated according to the current interest rate, while smart deposits are calculated according to the interest rate of one month, such as one month's deposit.

2. Interest rate

The interest rate of ordinary deposits is still relatively low, with one-year deposits less than 2%, while the smart deposits of Weizhong Bank can enjoy the expected return of 4% after one month.

Summary: So smart deposits are really time deposits, which have many advantages compared with ordinary deposits. If you see a satisfactory product, you can buy an experience.