A short-term investment is basically an investment that can obtain predictable income in a relatively short period of time. The time limit is basically three years. Because the time is fairly straightforward, the pay may not be so objective, and the risk tolerance of those who choose short-term payment will be relatively poor. Because by doing this, you can have capital in a specific time, and the risk will be much lower. The security of investment requires you to exchange profits that may exceed the expectation. After all, you can't have both. Through the personal verification of the capital world, the stock market is risky and volatile.

Only if you stay in the stock market long enough can you be able to adapt to the turbulent stock market. Of course, investors who choose to invest in a short period of time and risk cannot get the same returns as those who support for an extended period of time. However, there are so many people choosing a short-term investment, which must have advantages different from other investments. After all, everyone can't get up early without profits.

First of all, the first advantage is that the investment money can be readily withdrawn at any time. You can immediately transfer the money when you see risks and will not be affected by negative news at all. It can be said that if you can accept that you earn less and need to accept the trouble of transferring out every once in a while, then I would suggest you choose a short-term investment. For example, the savings account is not bank savings account with ordinary deposits and withdrawals but an extraordinary account belonging to credit cooperatives with high returns. It is the best choice. It is deposited into a checking account.

Usually, similar accounts pay little interest, but the bank will pay the appeal to the account regularly. This is an excellent choice for insurance-type financial investors who want to avoid high risks and hope that their funds have liquidity. In the short term, the required funds can be recovered at any time, the return is higher than that of the current deposit, and the risk is also within the controllable range. Because the account is endorsed by the National Credit Cooperative Administration, there will be no loss. The federal guarantee can be used to make a bold investment. However, the income will be relatively small, which is a must.

Of course, although I am so sure, investment is not really risk-free. However, such investment can only be made in the short term. If such an investment mode is selected for a long time, it is likely that it will not keep pace with inflation. In addition, I need to remind you that such account settlement interest has a cycle, just like the bank loan has a billing period. In each process, there will be a limit of times you can deposit and withdraw money for free. If you exceed this number, you may need to charge some commission fees. After all, it is an investment method with higher income.

Of course, it is not as accessible as current savings in banks. You only need to maintain your account and use the ATM to deposit and withdraw money, which may help you reduce these costs. As for which bank or institution's savings account to choose, this is open on the Internet. As long as Google can easily compare the maximum interest rate offered by each bank, you can select your favorite financial product.

（Writer：Dirick）