With the passage of time, prices are getting higher and higher, and the purchasing power of 10,000 yuan is completely incomparable with that of a few decades ago. But even so, having 10,000 yuan in hand is much better than not having that 10,000 yuan. After all, in some places, 10,000 yuan is enough for a person to spend a few months looking for a job after being unemployed. Sometimes, when you get sick or have a small accident, after the medical insurance reimbursement, the out-of-pocket funds may be less than 10,000 yuan.Therefore, we must not underestimate 10,000 yuan, even if we only have 10,000 yuan of spare money in our hands, we should take good care of it, and strive to make our funds more stable and high. Some people want to know, if 10,000 yuan is deposited in the bank, how much interest can be generated in a year? How to take care of more passive income? Read on!
How much is the annual interest of 10,000 yuan?
Deposit rates vary greatly from bank to bank, so when we talk about bank interest, try to confirm which bank you are depositing in.
ICBC is often known as the cosmic bank, so we might as well take ICBC as an example for calculation. According to its official website, ICBC's current deposit interest rate, one-year lump sum deposit and lump sum time deposit interest rate, and one-year interest rate on principal deposit and withdrawal interest are respectively. 15%。The fixed deposit is based on 60% of the interest rate of the same grade within one year.
According to calculations, when depositing 10,000 yuan, the current interest is 20 yuan, the interest on the whole deposit is 145 yuan, the interest on the deposit is 115 yuan, and the fixed life is 145 * 60% = 87 yuan.
In comparison, the interest rate of the lump sum deposit is higher, while the interest rate of the demand deposit is lower. Therefore, after depositing the lump sum fixed deposit, if it is not necessary, do not withdraw it in advance, and do not calculate the interest rate of the current deposit.
How to get more passive income
If you want to earn more passive income, you can try to save money in some small and medium-sized banks, which often have more competitive deposit interest rates than state-owned banks. Taking Bank of Jinzhou as an example, according to the above order, the interest rates of Bank of Jinzhou are: 85%, which is higher than the interest rate level of ICBC, and you can also get more interest.
If you feel that the above interest rate level is not high, and you want to better increase your value, you can also use some other ways to manage funds, such as structured deposits, some structured deposits in some banks can get more passive income in the case of better conditions, and may even reach more than 4% or even 6%, which is expected to allow depositors to get far more interest than ordinary fixed deposits. However, structured deposits do not promise to meet the interest rate cap, and may only achieve a very low interest rate floor, so savers need to consider it carefully.
In addition, you can also take care of some other stable fund management methods, such as bank change wealth management, Yue Bao, change pass, etc., which can take into account profitability and liquidity, and is expected to enjoy an annualized rate of return of more than 2%. If you want to better add value, you can also use some of the general trend, as the relevant departments said, in order to better stabilize foreign trade and promote the steady and qualitative rise of foreign trade, China will pay close attention to the introduction of new policies, accelerate the cultivation of new kinetic energy, and at the same time will promote the development of new forms of foreign trade such as cross-border e-commerce, and can also use some foreign trade economic consignment, 100,000 yuan per month 1,000 yuan profit.
To sum up, the interest on hand depends on what kind of fund management method the depositor chooses, some people may only get a few tens of yuan of interest, while some people may have more than 100, or even more. If you want to get more passive income, you can choose a bank with a higher interest rate to save money, or choose structured deposits, etc., of course, you can also introduce some stable fund management methods other than deposits.