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对于银行存款这种理财方式，年轻人可能不太感兴趣，他们更喜欢股票、基金等高收益的理财方式。但对于老人来说，还是没有风险的银行存款最划算，不用担心本金亏损的情况出现。
但银行存款也不是万无一失的，今年就出过不少事，导致很多储户不想继续在银行存钱了。不过，如果不在银行存款的话，老人还有什么既安全又能赚利息的理财方式可以选择吗？
其实还是有的，储蓄国债就是很好的选择，不仅安全性比银行存款还要高，而且利率也比国有银行高不少，还有靠档计息的功能，对老人来说非常划算。不过，储蓄国债虽然划算，但每年发行的额度却只有那么多，只能跟其他人一起抢购，抢不到的话就只能去选别的理财方式了。
货币基金也是一种选择，安全性虽然不如银行存款和储蓄国债，但跟其他理财方式对比是能够完胜的。而且，货币基金虽说理论上存在亏损的可能，但目前完全没有出现过亏损的情况。
不过，货币基金也有缺点，那就是收益太低，不管是跟储蓄国债相比还是跟银行存款相比都不是对手。所以，老人如果选择这种理财方式的话，那么一年下来赚到的利息恐怕很少很少。
当然，是否划算还是要看自己的需求，如果自己想要资金随时可以动用的话，那货币基金就是最好的选择，想要多赚点利息那选储蓄国债最划算。实在不行的话，就只能继续选银行存款了。
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