"The Postal Savings Bank will adjust the deposit interest on December 20, how much is the interest of 50,000 yuan for a year?”Today is December 20th, and the Postal Savings Bank is one of the six state-owned banks with a strong strength, and its business outlets are blooming everywhere, with more than 30,000 outlets across the country. This bank is the king of outlets in the banking world, and other commercial banks are unmatched.
By the way, the Postal Savings Bank is super close to the people and has been engaged in the activity of "depositing money and giving gifts". Especially middle-aged and elderly people, they like to save money here.
Let's calculate, how much interest you can get if you deposit 50,000 yuan a year with the Postal Savings Bank?
1 .Current.
The interest rate on demand deposits couldn't be lower. Survival is equivalent to giving money to the bank for nothing, don't do that.
The current demand deposit interest rate of the Postal Savings Bank is only 0 per annum20%。If you deposit 50,000 yuan into it, the interest for one year is:
50,000 020% 100 RMB.
The survival period of 50,000 yuan is only 100 yuan for one year. This is not called saving money, it is simply working for the bank for free. The bank president may feel sorry for you a little bit and give you 100 yuan for hard work.
Of course, you must first ensure the safety of saving money, but you can't do without interest. The survival period is to give money for nothing, don't fall into the trap of "money is stupid".
2 .Call Deposits.
Anyone who knows how to manage their finances and is good at managing them will choose to deposit their funds into a call deposit. Call deposits are loved by middle-aged and elderly depositors for their flexibility. At PSBC, there are two types of call deposits: one-day call deposits and seven-day call deposits.
The annualized interest rate for a one-day call deposit is 045%, interest is settled once a day. Taking a deposit of 50,000 yuan as an example, the daily interest calculation formula is: 50,000 yuan 045% ÷365 = 0.62 yuan. Therefore, if you save for a year, the total interest can reach 225 yuan.
The annualized interest rate for a 7-day call deposit is 10%, the bank settles the interest every seven days of deposit. Taking saving 50,000 yuan as an example, the formula for calculating the interest every seven days is: 50,000 yuan 10% ÷365 × 7 = 9.$6. During the one-year deposit period, the total interest can reach 500 yuan.
Call deposits are characterized by guaranteed principal and interest, with less risk, short interest settlement cycle, and very flexible. Call deposits are ideal for savers who need a short-term turnover. In contrast, call deposits are more in line with the needs of many savers, who may need to access their funds at any time and are reluctant to keep them for too long.
Overall, call deposits play an important role in financial management, providing depositors with more options and a decent return on interest while keeping their funds safe.
Fixed deposit is a type of deposit that guarantees principal and interest and does not take risks. I have to admit that this is the most suitable way for ordinary people to save money. People who save a fixed period are worthy of appreciation, and they are all down-to-earth and practical people. That's right, it's quite simple to make this deposit, and there are no red tapes.
The bank gives you a passbook (or certificate of deposit) that clearly states the time, amount, interest rate and maturity date of the deposit. You can save your money for a regular period and then feel free to do other things. When the deposit matures, you can go to the bank to collect the principal and interest.
Fixed deposits are as stable and reliable as Mount Tai. We can deposit 50,000 yuan and choose a one-year fixed deposit at the Postal Savings Bank. The one-year fixed deposit interest rate of PSBC is 1 per annum85%, although a little higher than several other large state-owned banks, but there is not a big gap.
According to this interest rate, the interest of a deposit of 50,000 yuan a year is 925 yuan.
There is one more thing to note. If we choose to deposit a one-year fixed deposit with the Postal Savings Bank, we can get some small gifts in addition to the normal interest income. As long as our deposit reaches 10,000 yuan, we can receive some delicate little things, such as rice, oil, paper towels, etc. If the deposit amount is larger, the bank will also give some practical small household appliances.
In addition, if the deposit amount is more than 1 million yuan, the bank will provide us with a customized gift, but the premise is that the deposit must be ensured to mature. If we need to withdraw funds early during the deposit period, we will need to return the gift we received to the bank.
As a major state-owned bank, the Postal Savings Bank has launched a variety of deposit activities. Among them, large-denomination certificates of deposit are also a form of deposit and enjoy legal protection. Even if the bank goes bankrupt, as long as the deposit amount does not exceed 500,000 yuan, our deposit will be fully compensated.
The interest rate on one-year certificates of deposit is 195%, which is 185% higher than 010%。It is more cost-effective to buy a one-year large-denomination certificate of deposit than to deposit a fixed amount, and you can earn an extra 10 yuan in interest for every 10,000 yuan.
However, there is a purchase threshold for large-denomination certificates of deposit, with a minimum purchase requirement of 200,000 yuan. If you only have 50,000 yuan, you can't buy a large certificate of deposit.
Savings bonds are issued by the Ministry of Finance of the People's Republic of China, which is highly secure and guarantees principal and interest. Its interest rate is also better than that of fixed deposits. In the event of early withdrawal, interest will accrue on savings bonds based on the time of deposit.
Savings bonds have a longer maturity, with only three or five years of maturity. If you only have 50,000 yuan and only plan to save for one year, you are not eligible to buy savings bonds.
In addition, there are wealth management products, ** and insurance products, etc. However, these ways of saving money are either risky or too long, which is not suitable for ordinary people.
As one of the six major state-owned banks, the Postal Savings Bank has strong strength, with total deposits exceeding 10 trillion yuan. If you keep your money in the Postal Savings Bank, you don't have to worry about the bankruptcy of the bank.
Moreover, the business outlets of the Postal Savings Bank are all over the country, and it is very convenient to deposit and withdraw money no matter if you are in **.
Therefore, for ordinary people, it is a wise decision to choose to deposit their money in the Postal Savings Bank.