What does fixed deposit in US dollars mean? What are the advantages and disadvantages of U.S. dollar time deposits?

　　When we need to invest,we always hope to find some more reliable ones.Some people may like to find some conservative investment products,but some people may like to find some more aggressive investment products.Because they like to sell stocks now,some people like to buy bonds,but some people like to make fixed investment.Because they feel that fixed investment is safer,but some people especially like US dollar fixed investment.No matter which way you choose,the one that suits you is the best way.

　　In fact,the fixed investment in US dollars is the same as our fixed investment in Taiwan dollars.We went to the bank to find the customer service staff of the bank.Make directional investment deposits,and slowly expand our investment space under the condition of regular and fixed investment.Our fixed investment in US dollars is actually the same as our fixed investment in Taiwan dollars.It's just that our Taiwan dollar has been replaced by US dollars,which allows us to expand our income and also greatly increases our profit margin.After all,there is still a certain exchange rate difference between US dollars and Taiwan dollars,and the exchange rate difference in the middle can also allow us to gain a lot of space.

　　Especially for those who like stable investment,choosing fixed deposit is a good choice,at least not having to take too much risk,and also not needing too much care.

　　Let me give you an example to understand,for example,if a preliminary negotiation is made with the bank.I have a fixed deposit of$1,000 in the bank every month,which is$12,000 a year.

　　In fact,this kind of fixed deposit is more like a kind of deposit,we make a certain choice fixedly.Then let our funds grow slowly,and at the same time,we can get better interest from the bank.

　　There are many ways of fixed deposit,including lump-sum deposit and lump-sum withdrawal,partial deposit and lump-sum withdrawal,principal deposit and interest withdrawal,and lump-sum deposit receipt.

　　Everyone can get their own space in their own way,while allowing themselves to choose an investment philosophy that suits them.There are also a variety of options including direct above.In the short term,there are 3 months,6 months,9 months or even 12 months.In the long run,there will be two-year,three-year,and five-year programs.Most banks like to promote the five-year system.Because the interest rate of the five-year system will be relatively higher,and it can also bring more stable cash flow to the bank.When our cash is stored in the bank,the bank can have more cash to invest,and they can be more stable,so most banks are more willing to promote the establishment of a five-year deposit interest rate.

　　His biggest advantage is that he is very safe.Our cash is stored in the bank and can be guaranteed by the bank.At least you don't have to worry about being cheated by others,you don't have to worry about being stolen by others,and you don't have to worry about being digested by the bank.

　　So when we save our money regularly,we can guarantee that our money will belong to us for several years.Therefore,our funds are relatively safe,and no investment can be more secure than fixed deposits.This type of investor is especially suitable for those who are very timid and at the same time very conservative.

　　Because these people always like to do some small business,he doesn't like to do those risky things.And coexistence hardly takes any risk.To be precise,unless we enter the era of negative interest rates,fixed deposits are guaranteed to make money without losing money.

　　There are many disadvantages of fixed deposit,because it is very stable and its funds are very safe.So his shortcomings are quite a lot.

　　The first aspect is that coexisting funds are not particularly flexible.Before it expires,we want to take it out for use,which is not so convenient.Let's take an example.Suppose you have a 5-year fixed deposit in the bank,which means that you will be able to take out this fund after 5 years.After 5 years,you will be able to enjoy the fixed deposit interest that the bank gives you.Suppose the bank gives you 4.5 points,then after 5 years,you will be able to get 4.5 points of interest.

　　If you have special circumstances in the middle,you need to withdraw the money,and there is no way to withdraw the principal from some fixed deposits.There are some fixed deposits that may be able to withdraw the principal,but after withdrawing it in the middle,it means that you have to turn into a current deposit,and all your previous time investment will return to zero.

　　If you encounter funds that cannot be withdrawn,no one will care about you,and no one will help you,even if your affairs are burning your eyebrows.Therefore,when we do fixed deposits in US dollars,we must first consider two points.The first point is whether this is our idle capital?It's money that we don't need most of the time.Point 2,how long should we invest?Both short-term investments and long-term investments.Is to buy 3-6 months,or buy 3-5 years.We all need to consider these things carefully.Only by considering these things clearly will our investment be more stable and allow us to better withstand future risks.

　　The second disadvantage is that the yield is too low.The vast majority of fixed deposits have no way to successfully outperform the CPI.And when we encounter inflation,our fixed deposit becomes a burden,which will lead to a substantial shrinkage of our funds.Especially for those with relatively large funds,some people may have tens of millions or even hundreds of millions.For this type of people,if they make fixed deposits,then their funds will decline greatly.

　　Therefore,this type of people is almost not good at making fixed deposits.Even if it can be done,it is only a very small part of it.For example,divide 3 million to 5 million yuan,and use the remaining funds to make other investments.

　　The third disadvantage will make people lose the meaning of struggle.When we put our money in the bank,we find that we hardly have much money to work with,and we enjoy easy days.We feel that we have deposits in the bank,and when we are old,we can take out all the money,and when it matures,we will continue to use this deposit as a fixed investment.Going over and over again,so there are hardly too many struggle thoughts.I just want to live a very ordinary and stable life,a life that may be acceptable to those rich people.

　　But for us ordinary people,most of us will encounter all kinds of ups and downs in life,and there are many places to spend money,so we still need to have a heart of struggle,so that we can have more better tomorrow.