On December 7, ICBC, as one of the six state-owned banks, has strong strength and business outlets all over the country so that people can easily enjoy services at any time. In the Forbes list of global banks, ICBC has always ranked first, which can be described as the real "largest bank in the universe".
The popularity of large state-owned banks is high, and the safety of deposits is guaranteed. As a result, many depositors prefer to keep their wealth properly with ICBC.
So, let's think about how much interest we can get if we deposit 40,000 yuan in ICBC for three years?
1.Current.
In the case of demand deposits, all depositors need to be reminded that those who choose to deposit money into a current account may be considered a "big fool". Because no matter which bank it is, the interest rate on demand deposits is quite low, it is simply outrageously low. At present, ICBC's demand deposit interest rate is only 020%。Deposit 40,000 yuan into a current account, and the interest for one year is only:
40,000 020% $80 ].
40,000 yuan is deposited into a current account, and the interest is only 80 yuan a year. According to this interest rate, even if it is stored for three years, the interest is only 240 yuan. This can no longer be called saving money, it is simply letting the bank use our money for nothing.
Demand deposits are safe and flexible, but we shouldn't just pursue security and ignore interest. Putting money into a current account is like "money is stupid", don't fall into this kind of stupidity.
2.Regular.
In contrast, time deposits are an option to protect principal and interest. Many savers prefer to put their money in fixed accounts, especially some middle-aged and elderly savers, who basically only choose fixed deposits.
These people who like to save for a fixed period really deserve a compliment. Those who like to keep their money safely in a fixed account are undoubtedly a group of people who are practical in life. The deposit period is simple and straightforward, and there are no fancy. You save money, get a passbook (or certificate of deposit), remember the password, and then you can sit back and relax. Don't worry about anything, work and life are in order, just wait for the maturity and go to the bank to receive the principal and interest.
Conversely, there are those who feel that they are much more "smart". They don't get on the edge of fixed deposits, and they don't look down on fixed savings. They prefer to get involved in financial products, speculation, and so on. Delusional desire to make a lot of money through "financial management", but what is the result?
This has proven to be naïve. There are many people who have worked hard for several years, not only did they not earn a penny, but they also lost their principal. It's really a waste of effort, and it's much worse than saving money in a fixed term and getting interest every year.
For example, take 40,000 yuan to deposit in ICBC for three years, and choose a one-time deposit for three years with an annual interest rate of 260% with interest at maturity for three years is:
40,000 260% 3 3120 yuan.
Everyone should know that the mainstream trend of bank deposit interest rates is that they are falling. Want to find an annualized 3A 0% deposit is already quite difficult. And for a three-year term, 2A 60% interest rate is already quite good. This is definitely a wise choice for value preservation and appreciation.
Although the interest rate for a fixed term of three years is good, it is relatively inflexible, because during this three-year period, if you need to withdraw your deposit in the middle of the period, if you withdraw it early, all the interest will be settled according to the current interest rate. Considering depositing 40,000 yuan into ICBC, there are two options, one is to choose a fixed term of three years, and the other is to choose a fixed term of one year. If you choose a fixed one-year term, the interest rate is 1 per annum80%。In this way, the interest of 40,000 yuan for a fixed year is 720 yuan. If you redeposit at this rate year by year, the total interest for three years will reach 2,160 yuan.
However, it should be noted that the interest rate on bank deposits is decreasing every year. Therefore, if you choose to redeposit year by year, the interest will decrease year by year, resulting in a total interest of 2,160 yuan for three years.
Comparatively speaking, the advantage of a one-time deposit for three years is that the interest rate is relatively high. For the same 40,000 yuan, a one-time deposit for three years can be compared with a year-to-year redeposit, and the specific calculation is 3,120 yuan minus 2,160 yuan, that is, 960 yuan.
However, the disadvantage of a three-year lump sum deposit is that the term is relatively long and less flexible. If you need to withdraw your deposit in the middle of the deposit period and withdraw it early, all interest will still be settled at the current interest rate.
The advantage of choosing a one-year rollover is that the term is relatively short and the flexibility is better. But the corresponding disadvantage is that the interest rate is relatively low, and the interest will decrease year by year as the deposit is rolled over year by year.
When you are saving a fixed amount, don't blindly follow the trend. It is necessary to choose the most suitable period based on your actual situation. If you are sure that you can not use the deposit for three years, then decisively make a one-time deposit for three years. But if you're not sure if you'll need the money for the next three years, consider rolling it over year to year, which is more secure.
In addition, you can consider depositing 40,000 yuan into ICBC, and you can also choose to buy savings treasury bonds. For many people, there may be some misunderstanding about the national debt. Although everyone knows that saving treasury bonds is a good choice, they may not have actually purchased them, and even think that ordinary people cannot buy treasury bonds, which is actually a misunderstanding.
Actually, the amount of savings bonds is limited, but as long as you prepare in advance, it is not difficult to buy. First of all, it is a good idea to choose a large state-owned bank, because it will allow you to get a higher quota and make it easier to buy. Second, you should deposit your money in advance and go to the bank before 8:30 a.m. on the 10th of each month, because savings bonds are sold on time on the 10th of each month.
As long as you do these preparations, it will no longer be difficult to buy savings bonds. The latest issue of savings treasury bonds is a certificate-type treasury bond, and the interest will be settled in a lump sum at maturity. The annualized interest rate for a three-year Treasury bond is 263%。If you buy a three-year treasury bond of 40,000 yuan, the interest on the maturity of three years will be 3,156 yuan. In this way, your investment will be more profitable.
The interest rate of savings bonds is higher than that of time deposits, and the purchase threshold is low, starting at only 100 yuan. Even if you withdraw early, interest can be calculated based on the time of deposit.
For funds that are not needed for a long time, it is highly recommended to buy savings bonds. As a veteran state-owned bank, ICBC claims to be the "largest bank in the universe" with strong strength. The biggest advantage of depositing money with ICBC is that you never have to worry about bank failure.
In addition, ICBC has branches all over the country, making it extremely convenient to deposit and withdraw money no matter where you are. Therefore, for us ordinary people, it is a very good choice to choose to deposit funds in ICBC.