When you are still addicted to the low risk of short-term investment, or you are still hesitant to choose corporate fund bonds or government bonds. When you are still unable to accumulate capital for your money or are worried about the upcoming mortgage and car loans, do you know that there is a kind of short-term investment called no penalty deposit receipt?

The non-penalty deposit certificate is a kind of deposit certificate, which is a kind of time deposit. It is called CD for short. It is protected as the current general deposit, and the most exciting thing is that there is almost no risk, but it is different from the presently available bank deposit. The different place is that its interest is fixed, and the term is fixed. As long as you choose this type of financial product, it Must be in accordance with his given period and income. This method is, of course, good or bad. A fixed date can help you plan your needs in advance, and the benefits are also fixed. You can plan in anticipation. Once the time limit expires, the principal and interest can be withdrawn together.

Of course, as mentioned earlier, this is a fixed deposit. Of course, the same situation will occur when we go to the bank for a fixed deposit. That is, in case of an emergency, what should I do if I need to withdraw the money in advance? If you make a fixed deposit in a bank, you will not lose the principal drawn in advance. However, the interest cannot be calculated but will be reduced to the interest rate of the current pledge, so you will lose part of the interest. This financial product does not have an acceptable deposit certificate, which will eliminate the possibility that the bank will charge you when you withdraw before the deposit matures.

When you obtain a non-penalty deposit certificate, you agree to deposit your principal in a specific account for a fixed period. When the interest rate rises, such a deposit certificate is beautiful because you can withdraw the principal at any time and do not have to bear any other costs and make a secondary investment in projects that find higher returns. The risk is that if you are trapped, you will miss other projects with higher returns. This financial product is relatively small, and few people know about it. Therefore, for investors who struggle to make fixed deposits or purchase bond financial products, if they see this product, they will make a faster decision because the income and risk of this financial product are between the two. Because FDIC insures the non-penalty deposit certificate, you don't need to worry about the loss of principal at all. The only thing you need to consider is that CDs have poor liquidity compared with the financial products of other banks. A non-penalty deposit receipt is like a plug-in of a game. It can exempt the fees you may have to pay for early CD termination to ensure other beneficial conditions, thus eliminating your worries.

（Writer：Weink）