大家闲钱都存哪里，最近有什么比较好的定存计划

应该说虽然其实可能挺安全的。。。虽然其实可能挺安全的。。。

SCB 两年定存 1.95%昨天有人拉住我跟我说的。昨天有人拉住我跟我说的。

每家银行5万内无需担心提供几个银行的定存和saving account 供参考
ocbc 365 曾经的最好 现在也还不错
maybank saving or fix deposit
scb fix deposit
cimb fix deposit
其实优先股和债券风险较低 年回报在3-5% 可以算作一个篮子吧提供几个银行的定存和saving account 供参考
ocbc 365 曾经的最好 现在也还不错
maybank saving or fix deposit
scb fix deposit
cimb fix deposit
其实优先股和债券风险较低 年回报在3-5% 可以算作一个篮子吧

3年到期, 2.68%不算严格意义上的定存, 因为是保险公司设计的理财产品, 到期保证本金保证利息。

不算严格意义上的定存, 因为是保险公司设计的理财产品, 到期保证本金保证利息。

网页上找了一下确实是的，最短期的7个月，1.65%确实是的，最短期的7个月，1.65%

请问这个定存可以单独买吗？谢谢谢谢

之前也是认为每家5万就没问题，但是好像在哪看到说是所有银行加起来，然后就觉得没啥意义了
小声说一句，不知道优先股和债券怎么买。。。不要鄙视我是所有银行加起来，然后就觉得没啥意义了
小声说一句，不知道优先股和债券怎么买。。。不要鄙视我

最低存款多少？所有的隐性费用是多少？所有的隐性费用是多少？

保险公司的理财产品是怎么运作的是不是其实基本上就是基金债券优先股，只不过是一个组合，做成一个产品的形式是不是其实基本上就是基金债券优先股，只不过是一个组合，做成一个产品的形式

换点人民币存入余额宝，既可以买买买 又有利息收那也是不错的选择存入余额宝，既可以买买买 又有利息收那也是不错的选择

是没错关键就是现在的汇率，先让我哭一会子
以前汇率好的时候到底干嘛去了，哎关键就是现在的汇率，先让我哭一会子
以前汇率好的时候到底干嘛去了，哎

3个月的都有SCB职员当面跟我说的SCB职员当面跟我说的

中国银行妥妥的，目测完胜包括余额宝在内的其他产品

存新币的package里，upfront bonus有什么条件吗存rmb一直利息都很高，汇率好的时候真的是不错存rmb一直利息都很高，汇率好的时候真的是不错

问题是中国银行这样的利息只有6个月

最少放几年？三年到期是放三年就能取出全部？还是要放很多年因为我看图片上写for longer term因为我看图片上写for longer term

首先我是理财小白但是我买的招财宝一年期是6%+，后来介绍我妈买，这个月利息降到5%+，觉得还不错，也很稳妥的样子但是我买的招财宝一年期是6%+，后来介绍我妈买，这个月利息降到5%+，觉得还不错，也很稳妥的样子

招财宝是信托, 和国债银行存款货币基金不是一个类别的关于信托，我发的一个帖子有讲述。不想讲太多，不然像猫兄说的一波波的招财宝持有者正在赶来就不妙了。关于信托，我发的一个帖子有讲述。不想讲太多，不然像猫兄说的一波波的招财宝持有者正在赶来就不妙了。

有的存先存啊。6个月后什么环境还不好说呢。

没看到什么条件啊，只看到要fresh fund

不明觉厉.. 这些是只要存着就行了是么, 没有什么要消费的吧

对于我这个懒癌晚期的人来说为了六个月的存期还要换工资卡什么的实在太麻烦了为了六个月的存期还要换工资卡什么的实在太麻烦了

Terms and Conditions。没看到存入工资或消费要求。哪一天去confirm一下。

http://www.bankofchina.com/sg/bocinfo/bi3/bi31/201508/t20150805_5390181.html

Terms and Conditions

• This Promotion is valid for individual customers who open a new BOC Multi-Currency Savings Account with participating funds of at least S$20,000 and/or RMB 1,000.Customers with existing BOC Multi-Currency Savings Account can top up with participating funds of at least S$20,000 and/or RMB 1,000 to be eligible for this Promotion.
• Participating funds refer to fresh funds that are not originating from any existing account with BOC or in the form of BOC’s cheque/cashier’s order(s)/banker’s draft(s). Participating funds will be earmarked for a period of three (3) or six (6) months (as the case may be) from the date of placement.
• The total interest rate comprises the prevailing interest rate and the upfront bonus interest rate, and the total amount of interest will be credited in two parts:　
  (i) the upfront bonus interest will be credited to your BOC Multi-Currency Savings Account upon successful placement of the participating funds or clearance of any cheque/cashier’s order/banker’s draft deposited, whichever is later; and
  (ii) the prevailing interest will be credited to your BOC Multi-Currency Savings Account on monthly basis.
• An extra bonus interest rate will be applicable to customers who place participating funds of at least S$20,000 and RMB 1,000 in their SGD and RMB sub-accounts of the BOC Multi-Currency Savings Account respectively during the Promotion period. The extra bonus interest will be credited to your BOC Multi-Currency Savings Account together with the upfront bonus interest upon the successful placement of the participating funds or clearance of any cheque/cashier’s order/banker’s draft deposited, whichever is later.
• In the event that any early withdrawal of the participating funds is made within the earmarked period of three (3) or six (6) months (as the case may be), BOC will deduct the paid upfront bonus interest and the extra bonus interest (if applicable) from your BOC Multi-Currency Savings Account (SGD/RMB) without prior notice.　
  BOC Multi-currency Savings Account comes with BOC Great Wall International Debit Card and Internet Banking facilities.
• RMB is not a freely convertible currency and is subject to regulations imposed by the regulatory authorities of the People's Republic of China, as may be amended from time to time.
• Foreign currency deposits are subject to exchange fluctuations, which may result in a loss of principal invested, and lower return or earnings on the foreign currency deposits.
• This Promotion is not valid with any other promotions and cannot be combined or repeated with any existing promotions.
• BOC reserves its right to extend, revise or withdraw the Promotion, and is entitled to vary, delete or amend the terms and conditions herein as in whole or part without giving any reason or prior notice.
• The decision of BOC in connection with any matter relating to the Promotion is final, conclusive and binding on all customers and no correspondence or claims will be entertained.
• BOC shall not be responsible nor shall it accept any liabilities of whatsoever nature and howsoever arising or suffered by any and all customers resulting directly or indirectly from this Promotion.
• By participating in this Promotion, the eligible customers agree to be bound by the terms and conditions herein including any amendments and variations thereto.
• Terms and Conditions governing Accounts shall apply.
• In the event of any discrepancy or inconsistency between the English version and the Chinese version of the terms and conditions, the English version shall prevail.
  These terms and conditions shall be governed by the laws of Singapore.

http://www.bankofchina.com/sg/bocinfo/bi3/bi31/201508/t20150805_5390181.html

Terms and Conditions

• This Promotion is valid for individual customers who open a new BOC Multi-Currency Savings Account with participating funds of at least S$20,000 and/or RMB 1,000.Customers with existing BOC Multi-Currency Savings Account can top up with participating funds of at least S$20,000 and/or RMB 1,000 to be eligible for this Promotion.
• Participating funds refer to fresh funds that are not originating from any existing account with BOC or in the form of BOC’s cheque/cashier’s order(s)/banker’s draft(s). Participating funds will be earmarked for a period of three (3) or six (6) months (as the case may be) from the date of placement.
• The total interest rate comprises the prevailing interest rate and the upfront bonus interest rate, and the total amount of interest will be credited in two parts:　
  (i) the upfront bonus interest will be credited to your BOC Multi-Currency Savings Account upon successful placement of the participating funds or clearance of any cheque/cashier’s order/banker’s draft deposited, whichever is later; and
  (ii) the prevailing interest will be credited to your BOC Multi-Currency Savings Account on monthly basis.
• An extra bonus interest rate will be applicable to customers who place participating funds of at least S$20,000 and RMB 1,000 in their SGD and RMB sub-accounts of the BOC Multi-Currency Savings Account respectively during the Promotion period. The extra bonus interest will be credited to your BOC Multi-Currency Savings Account together with the upfront bonus interest upon the successful placement of the participating funds or clearance of any cheque/cashier’s order/banker’s draft deposited, whichever is later.
• In the event that any early withdrawal of the participating funds is made within the earmarked period of three (3) or six (6) months (as the case may be), BOC will deduct the paid upfront bonus interest and the extra bonus interest (if applicable) from your BOC Multi-Currency Savings Account (SGD/RMB) without prior notice.　
  BOC Multi-currency Savings Account comes with BOC Great Wall International Debit Card and Internet Banking facilities.
• RMB is not a freely convertible currency and is subject to regulations imposed by the regulatory authorities of the People's Republic of China, as may be amended from time to time.
• Foreign currency deposits are subject to exchange fluctuations, which may result in a loss of principal invested, and lower return or earnings on the foreign currency deposits.
• This Promotion is not valid with any other promotions and cannot be combined or repeated with any existing promotions.
• BOC reserves its right to extend, revise or withdraw the Promotion, and is entitled to vary, delete or amend the terms and conditions herein as in whole or part without giving any reason or prior notice.
• The decision of BOC in connection with any matter relating to the Promotion is final, conclusive and binding on all customers and no correspondence or claims will be entertained.
• BOC shall not be responsible nor shall it accept any liabilities of whatsoever nature and howsoever arising or suffered by any and all customers resulting directly or indirectly from this Promotion.
• By participating in this Promotion, the eligible customers agree to be bound by the terms and conditions herein including any amendments and variations thereto.
• Terms and Conditions governing Accounts shall apply.
• In the event of any discrepancy or inconsistency between the English version and the Chinese version of the terms and conditions, the English version shall prevail.
  These terms and conditions shall be governed by the laws of Singapore.

不用入工资，就是个定存。已经存了，私以为六个月能有这个利息在定存里面算不错的了。已经存了，私以为六个月能有这个利息在定存里面算不错的了。

这是定存，不需要换工资卡。只要带着钱去银行存就好。只要带着钱去银行存就好。

这个要去专门再开saving account？家里有他家新加坡的信用卡，不知能不能往里存钱家里有他家新加坡的信用卡，不知能不能往里存钱

要去他家开BOC Multi-Currency Savings Account

谢谢confirm。我也觉得这个没有上限加上这么高的利息很难得。

我捞... 没有上限,,,

是需要和相对长期的储蓄计划一起买也就是说买一份中/长期储蓄计划，就可以同时买这份三年定期保证年利率2.68%的短期定存计划。也就是说买一份中/长期储蓄计划，就可以同时买这份三年定期保证年利率2.68%的短期定存计划。

是两个计划配合买买一份中长期储蓄计划，就同时可以买这份三年期的短期储蓄。买一份中长期储蓄计划，就同时可以买这份三年期的短期储蓄。

我推荐个活期的standard chartered e-saver,家里开2个账号，没2月换存一次，利息差不多1.5%.不是最高，但灵活啊standard chartered e-saver,家里开2个账号，没2月换存一次，利息差不多1.5%.不是最高，但灵活啊

好的因为看到跟前面一格prevailing interest是分开放的，担心又有隐形条件，比如熊猫说的每个月要消费多少啥的因为看到跟前面一格prevailing interest是分开放的，担心又有隐形条件，比如熊猫说的每个月要消费多少啥的

应该不能这种定存都是saving account，单独账号，一般也都没卡没存折这种定存都是saving account，单独账号，一般也都没卡没存折

这个是怎么玩如果同样是它家的账户，每两个月换一次银行是图啥，能网上转吗
对懒癌晚期的来说，2个月就要折腾一次也是有点麻烦的如果同样是它家的账户，每两个月换一次银行是图啥，能网上转吗
对懒癌晚期的来说，2个月就要折腾一次也是有点麻烦的

是网上转没2个月就会有promotion,要fresh fund deposit才有，所以从一个转到另一个账号就行没2个月就会有promotion,要fresh fund deposit才有，所以从一个转到另一个账号就行

中国银行太牛了。。这是要吸走我所有钱的节奏。。。 哈哈
上个月刚开了这个multi-currency account.
光关注活期那个3%以上那个去了 还没有注意这个定期呢
谢谢信息！这是要吸走我所有钱的节奏。。。 哈哈
上个月刚开了这个multi-currency account.
光关注活期那个3%以上那个去了 还没有注意这个定期呢
谢谢信息！

从它家账户到它家账户也叫fresh fund啊这俩账户是要不同人名字吧，网上转每天有数额限制吗
不过活期1.5，真是相当高这俩账户是要不同人名字吧，网上转每天有数额限制吗
不过活期1.5，真是相当高

是每个银行 （Deposit Insurance scheme member)https://www.sdic.org.sg/di_calc_of_comp.phphttps://www.sdic.org.sg/di_calc_of_comp.php