On December 18, the new adjustment of the deposit interest of the Postal Savings Bank: 40,000 yuan for three years, how to calculate the interest?Today is December 18th, and the Postal Savings Bank, as one of the six major state-owned banks, has strong strength and business outlets all over the country. It is all over the country, providing convenient services to people all over the country.
The Postal Savings Bank is not only huge in scale, but also close to the people in terms of services. It often holds "deposit gifts" activities, which are deeply loved by the majority of depositors, especially middle-aged and elderly depositors.
So, if we deposit 40,000 yuan in the Postal Savings Bank for three years, how much interest will it be?
First of all, the interest rate on demand deposits is very low, and there is almost no interest on deposits. Therefore, the survival period of the money is like giving it to the bank for free. At present, the current deposit interest rate of the Postal Savings Bank is 020%。Then, if 40,000 yuan is deposited, the interest for a year is 80 yuan. Even if you save for three years, the interest is only 240 yuan.
While demand deposits are safe and flexible, as depositors, we can't just go for security without interest. Therefore, if you have spare money, don't survive.
In short, choosing the Postal Savings Bank to save is a wise choice, but how to choose a savings method is a science.
Fixed deposits, like reassuring pills in life, are deeply loved by middle-aged and elderly depositors. Depositing money in a fixed term means entrusting trust and stability to the bank, dancing with time and patience.
As for fixed deposits, I would like to say that the depositors who choose it are the wise men in life. They understand that by saving their money for a fixed term, they are choosing a simple, reassuring way of life. As long as you take good care of your passbook or certificate of deposit, you can sit back and relax and wait for the rewards of time.
Fixed deposits, like a steady guardian, can provide depositors with stable income no matter how the wind and rain change. Some people may ridicule people who choose fixed deposits, believing that their returns are too low and not as high as investing in financial management.
However, I have colleagues around me who talk like investment experts, but in reality, their investment performance is often miserable. They pursue high returns, but ignore the value of risk and time.
If you have 40,000 yuan and want to deposit it in the Postal Savings Bank for three years, then you can choose to deposit it for three years at a time. At present, the interest rate of the Postal Savings Bank's fixed three-year deposit is 2 per annum60%。Then, the interest at maturity for three years is 3,120 yuan.
Under this general trend of interest rate cuts, the annualized rate is 2A 60% interest rate is already quite good. Moreover, this is the guarantee of principal and interest, which plays a very good role in maintaining and increasing the value of deposits. What's more, you don't need to worry about rate cuts during these three years. No matter how the interest rate changes, the total interest will not decrease for these three years.
However, opting for a regular three-year term has its limitations. The term is longer and the flexibility is relatively poor. If there is an urgent matter that needs to be withdrawn in advance, all interest will be settled according to the current interest rate. Therefore, before making a decision, you need to fully consider your actual situation and needs.
To maintain the flexibility of your funds, you can choose to deposit $40,000 into a fixed term for one year, and then roll it over year after maturity.
At present, the interest rate of the Postal Savings Bank's fixed one-year deposit is 1 per annum85%。Deposit 40,000 yuan into a fixed period of one year, and the interest for one year at maturity is 740 yuan. If it is rolled over year by year, the total interest for three years will reach 2,220 yuan.
However, some people may point out that the interest on the rollover from year to year decreases from year to year because the interest rate on bank deposits is decreasing every year. It is true that the total interest for three years may not reach $2,220.
There are advantages and disadvantages to a lump sum deposit, a fixed three-year deposit, and a year-to-year rollover.
The advantage of depositing a term for three years is that the interest rate is higher and you can lock in interest income for three years. However, the disadvantage is that the term is longer and less flexible. If you need to withdraw in advance in case of an emergency, the time saved in advance will be in vain.
The advantage of year-to-year rollover is that the term is shorter and the flexibility is better. The disadvantage is that interest rates are lower and susceptible to interest rate cuts.
Therefore, when choosing a deposit period, you should choose the most suitable term according to your actual situation. If it is certain that the money can be dispensed with for three years, then it may be more appropriate to make a lump sum deposit for a fixed period of three years. If you're not sure if you'll need to use the money in the future, it may be wiser to go by year to be on the safe side.
When many people mention savings bonds, they are Xi to holding a negative attitude towards them, believing that their amount is too small to buy, and even suspects that the amount has been booked by insiders and ordinary people cannot buy it at all. This is wrong.
Savings bonds are issued by the Ministry of Finance of the People's Republic of China and are open to every ordinary person. There is no such thing as "credit being booked in-house". Many people can't buy Treasury bonds because of themselves.
Savings bonds are usually sold at 8:30 a.m. on the 10th of each month. If you want to buy Treasury bonds, you need to deposit your money in advance and rush to the bank by 8:30 a.m. that day. That way, you're basically able to buy Treasury bonds. However, some people are always slow and wait until eleven or twelve o'clock, which of course makes it difficult to buy government bonds.
If you have 40,000 yuan and deposit it in the Postal Savings Bank for three years, you can choose to buy a three-year savings treasury bond. 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 interest rate on the three-year Treasury bond is 2 per annum63%。
40,000 yuan is used to buy three-year treasury bonds, and the interest for three years is 3,156 yuan. The interest rate on three-year savings bonds is slightly higher than the interest rate on three-year bonds, and the interest rate on savings bonds can be calculated on the basis of the file when they are withdrawn in advance.
If you have money on hand that you can guarantee that you won't use it for three or five years, then buying savings bonds is definitely a very good choice.
In recent times, you have to be extra careful when going to the Postal Savings Bank to deposit money. Because at the end of each year, the Postal Savings Bank cooperates with insurance companies to vigorously promote insurance products. Many people are very dissatisfied with this, and some elderly people have even suffered losses because of the purchase of insurance, which has caused them to resist the Postal Savings Bank.
The end of the year is the period when the Postal Savings Bank cooperates with major insurance companies to promote insurance products, and everyone should be extra vigilant when saving money during this time. Although the insurance product itself does not actively deceive people, the person who sells insurance is not. Because the remuneration for selling insurance is very high, dozens of times that of savings, some bank employees will do whatever it takes to sell insurance products in order to complete their tasks.
Therefore, it is important to be cautious when buying insurance products. For ways to save money that you don't understand, it's best to stay away. In particular, those who buy bancassurance products because they are greedy for high yields are likely to suffer huge losses when they surrender their policies and withdraw their money.