理财里的六大类存款方法是什么？---**Table Title:**
六大存钱法总结 (Summary of Six Saving Methods)
**Table Content:**
| 方法 (Method) | 适合人群 (Suitable People) | 优点 (Advantages) | 缺点 (Disadvantages) |
| :------------------- | :------------------------------------------------------------- | :------------------------------------ | :-------------------------------- |
| 现金存钱法 (Cash Saving Method) | 月光族、学生 小额短期储蓄 | 强制控消费 简单无脑 | 无利息、不安全 大额不便 |
| 12单存钱法 (12 Single Saving Method) | 打工人、求稳党 | 保本+灵活 强制储蓄 | 利息低 长期效果差 |
| 365存钱法 (365 Saving Method) | 自律党 想培养存钱习惯的新手 | 灵活有趣 强制储蓄 | 后期压力大 易中断 |
| 滚雪球法 (Snowballing Method) | 有5年以上闲钱 佛系投资者 教育/养老规划 | 收益稳健的同时 有机会博取高收益 | 分红不确定 前5年退保亏 |
| 333存钱法 (333 Saving Method) | 月薪5k以上的上班族 理财新手 | 简单粗暴 兼顾生活和理财 | 比例固定 应变能力弱 |
| 1234存钱法 (1234 Saving Method) | 已组建家庭 有房贷/养老等长期规划 需全面资产配置 | 攻守兼备 适配复杂需求 | 需一定理财知识 |
**Other Relevant Text:**
Speech Bubble Text:
可以对号入座
看看自己适合什么方法
**Image Description:**
The image contains a table summarizing six saving methods. Above the table is a title "六大存钱法总结" and a cartoon image of a piggy bank with wings. Below the table, there is a cartoon figure of a man in a suit pointing towards a speech bubble. The speech bubble contains text. The table has four columns: "方法", "适合人群", "优点", and "缺点". Each row corresponds to a specific saving method and lists the suitable people, advantages, and disadvantages.
**01 现金存钱法 (Cash Saving Method)**
* **Description:** 每月取出一笔现金, 通过物理隔绝的方式避免电子支付, 强制储蓄 (Take out a sum of cash every month, avoid electronic payments through physical isolation, mandatory savings).
* **Diagram Description:** Depicts three envelopes labeled "1月", "2月", "3月", each with a red '¥' symbol, next to a stack of banknotes.
**02 12存单存钱法 (12 Certificate of Deposit Savings Method)**
* **Description:** 每月存一笔1年定期存款, 连续12个月次年每月到期一笔, 可续存或取出 (Deposit a sum into a 1-year fixed deposit account every month, continuously for 12 months. A deposit will mature each month the following year, which can be rolled over or withdrawn).
* **Diagram Description:** Shows a stack of documents resembling bank deposit certificates. One visible document has the title "个人定期存款存单" (Personal Fixed Deposit Certificate).
**03 365天存钱法 (365-Day Savings Method)**
* **Goal:** 目标: 66795 (Goal: 66795)
* **Description:** 单独一张银行卡, 不绑定任何支付1-365天, “每天打卡”一个数字, 存进这张卡里 (A separate bank card, not linked to any payments. For 1-365 days, "check in" a number and deposit it into this card).
* **Diagram Description:** A heart-shaped grid containing numbers from 1 to 365 arranged in rows, simulating a calendar or checklist.
**04 滚雪球法 (Snowball Method)**
* **Description:** 每年拿出一笔固定一笔钱投进分红险之后什么都不用做, 交给时间, 让钱自己“长大” (Every year, take a fixed sum of money and invest it in dividend insurance. After that, do nothing, leave it to time, and let the money "grow" by itself).
* **Diagram Description:** A line chart or slope graph showing a person at the top pushing a small ball down a slope. As the ball rolls down, it gets larger, represented by several increasing-sized balls along the slope. The X-axis below is labeled "0年 → 10年 → 50年......" (0 years → 10 years → 50 years......).
**05 333存钱法 (333 Savings Method)**
* **Description:** 把每个月的收入均分成日常开支、稳健增值、投资理财 (Divide each month's income equally into daily expenses, stable growth, and investment/wealth management).
* **Diagram Description:** A pie chart divided into three equal sectors. Labels outside the chart indicate: "收入的1/3 增值" (1/3 of income: Growth), "收入的1/3 投资" (1/3 of income: Investment), and "收入的1/3 消费" (1/3 of income: Consumption).
**06 1234存钱法 (1234 Savings Method)**
* **Breakdown Table:**
* 要花的钱 10% (Money to spend 10%)
* 保命的钱 20% (Life-saving money 20%)
* 生钱的钱 30% (Money to make money 30%)
* 增值的钱 40% (Money for growth 40%)
* **Explanation:**
* 要花的钱——用于消费 (如6个月的生活费用) (Money to spend - for consumption (e.g., 6 months of living expenses))
* 保命的钱——购买保险 (医疗保险等) (Life-saving money - for buying insurance (e.g., medical insurance))
* 生钱的钱——创造收益 (股票、基金、房产等) (Money to make money - to create income (e.g., stocks, funds, real estate, etc.))
* 增值的钱——稳健投资 (分红险、养老金、教育金等) (Money for growth - stable investment (e.g., dividend insurance, pension funds, education funds, etc.))
* **Diagram Description:** A 2x2 grid with text labels and percentages in each cell, followed by explanatory text below describing the purpose of each category.