一、不宜集中开一张存单。金额太大不安全 ,如果遇急用 ,需提前支取其中一部分 ,办理起来也不如分别开几张存单方便。二、存款时间不宜太集中。有的人喜欢集中存款 ,取利息较多 ,好高兴一场。但这样做势必要把一些较小数额的钱搁置一段时间 ,无形中损失了一笔利息 ,其实很不划 First, should not focus on open a single deposit. The amount of unsafe, in case of urgency, need to withdraw some of them in advance, it is not as easy to open a few separate deposit and withdrawal convenience. Second, the deposit time should not be too concentrated. Some people like to focus on deposits, take more interest, so happy. But in doing so, it is necessary to put some smaller amounts of money aside for a period of time, virtually losing a sum of interest, in fact, it is not to draw