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As one of the largest banks in China, ICBC has always enjoyed a good reputation and has strong hard power, and its outlets are almost all over the country, and we can see it in many places.
Therefore, whether it is for individuals or enterprises, ICBC can exist as a trustworthy financial partner. Therefore, for the general public, it is convenient and safe to store their wealth in the Industrial and Commercial Bank of China, which is a matter of killing two birds with one stone.
Especially after three years of ruthless devastation of the "epidemic turmoil", many people have formed an unusually strong sense of saving. Many people uphold the concept of "food in their hands, not panic in their hearts", and would rather put their assets in the bank for storage than spend them easily. Therefore, in the current economic environment, personal savings have become a big matter.
However, due to the adjustment of relevant national policies, the deposit interest rates of many banks have been adjusted to varying degrees, and the interest rate of the Industrial and Commercial Bank of China, which is known as the "largest bank in the universe" and one of the six major state-owned banks, has also been adjusted accordingly, which has become a common concern of many people.
So how much interest can you get by depositing 100,000 yuan in ICBC, let's take a look!
1.Demand Deposits
By querying the relevant data, we can actually know:In 2023, the annual interest rate of ICBC will be 02%。Therefore, if we deposit 100,000 yuan into the current account of ICBC, the interest for one year will be 100,000 yuan multiplied by 02%, i.e. 200 yuan.
However, if the analysis is judged from a rational point of view, this conclusion is actually predictable. Because the biggest advantage of current savings is that it is easy to access, that is, it allows users to access freely, rather than blindly pursuing the accumulation of wealth, so the main purpose is not to earn interest.
2.Fixed Deposits
Let's now take a look at fixed deposits. In ICBC, the one-year term interest rate is 1450%, which is much higher than demand deposits. From this calculation, the interest of 100,000 yuan for one year is about 100,000 * 1450 1450 yuan.
If you want to earn a higher interest rate, a fixed deposit can be a good option. The advantage of a fixed deposit is that it has a stable income and is less risky.
For example, when you have an idle amount of funds, in the short term you do not need to use it, then you can choose to deposit the funds into a fixed deposit, after a year you can get a fixed interest rate income, and this also ensures the safety of funds, compared with higher risk investment varieties, fixed deposits for ordinary office workers and ordinary people to provide a more stable and predictable return.
Due to the compulsive nature of fixed deposits, by opting for fixed deposits, we have to lock in funds for a specific period of time. This mandatory measure actually helps us to develop good savings habits and avoid unnecessary daily spending.
For small savings and urgent need for funds, it may be more reliable to opt for a demand deposit. In addition, after the deposit matures, you can choose to continue the deposit or withdraw the funds for other purposes. Making smart choices financially is critical to our economic well-being.
Compared with the interest rate of the whole deposit, the whole deposit and the interest on the principal deposit are relatively lower, and the annual interest rate of the one-year term is about 1 on average283%。Then, the interest of 100,000 yuan a year is 1,283 yuan, so the interest of a fixed deposit is much higher than that of a demand deposit.
3.Large certificates of deposit
Although a large-denomination certificate of deposit is also a time deposit product, it is still different from a time deposit. For example, taking China Construction Bank as an example, the user's savings amount should not be less than 200,000 yuan, of course, the deposit threshold standards of different banks will be different.
And there are two prerequisites for large-amount certificates of deposit: one is to prepare an amount of 200,000 yuan in advance, because its minimum deposit amount is 200,000 yuan;The other is that the deposit period of large-value certificates of deposit is generally not less than 6 months, and the funds cannot be withdrawn in advance during the deposit period.
For example, Uncle Wang in our village wants to prepare for his retirement, and he hopes to get more income through investment. After some research and comparison, he chose to buy a large certificate of deposit.
He first went to the bank to inquire about the relevant situation of large-value certificates of deposit, and learned about their regulations on interest rates, terms, and minimum deposit amounts. Then, according to his financial situation and investment goals, he made a compromise, and chose a more suitable large-denomination certificate of deposit product.
Therefore, we should pay more attention to the fact that even if a large-denomination certificate of deposit is a short-term wealth management product with relatively low risk, it will be more suitable for customers who have the ability to save or have surplus funds.
For customers with low risk tolerance, when considering the choice of large certificates of deposit, it is necessary to make a comprehensive judgment and carefully consider, just like eggs cannot be put in one basket, we should not concentrate all funds in one deposit.
Finally, in general, ICBC's interest rates have been lowered to varying degrees, but fortunately, there are a complete range of various deposit methods, so they can also meet the needs of users at different stages, so we don't need to worry too much.
Especially at this stage, the economic market is down, the industry is sluggish, and the market environment is in a trend of ups and downs.
When everyone thinks about their own deposit arrangement, in addition to the protection of the bank, each of us should make a reasonable assessment and comprehensive comparison to choose the products that meet our own capabilities, rather than blindly making choices and decisions. Only in this way can we effectively avoid risks, achieve rational consumption and rational investment, and at the same time keep our own money bags, we can also make assets play a greater value and role.
This article represents a personal opinion only and is for informational purposes only).