Kunpeng Project
On February 13, the Bank of China renewed the interest on deposits of 300,000 yuan for two years
Today is the 14th day of the first lunar month, and according to traditional customs, the whole family gathers together on this day to make a hodgepodge of leftover food from the previous day. However, in today's society, material conditions and physical fitness have improved, and many people no longer like the leftover scraps, all of which are determined by their own hobbies, there is nothing to be forced, and traditions and habits will always change over the years. One of the main customs tonight is to welcome wealth, to be exact at about half past five, so please prepare early.
Since we are talking about the God of Wealth, let's talk about investment and finances this year. For most Chinese, their investment channel is deposits, and the deposit interest rate has dropped a lot in the past two years, so according to the current interest rate, how much interest can be obtained for deposits in the Bank of China? A deposit period of 2 years of 300,000 yuan was used as an example.
At present, the Bank of China's fixed savings interest rate is 02%, 100 yuan a year can get 02 yuan interest, 300,000 yuan for two years, what is the interest?
The annual interest on the current account is the lowest, so the income is also the highest, and there is not much interest, so most of the money is generally not put in the bank.
Most people's first choice for saving is to save in the Bank of China, because its annual interest rate is much higher than that of ordinary current accounts. In the Bank of China, according to the length of the deposit period, it can be divided into six grades, and the interest of each deposit of 300,000 yuan after two years is calculated one by one.
1.3 months of current savings.
The most recent three-month interest rate for Bank of China is 115%, if you deposit it into 300,000 and then deposit the money repeatedly after maturity, the total interest for these two years is:
2.6 months of current savings.
The latest one-year interest rate for the Bank of China's six-month term is 135%, if you save $300,000 continuously over a period of time, then the total interest for those two years is:
300000*1.35%*2=8100 yuan.
3.1-year savings.
The most recent annual interest rate for one-year savings is 145%, if both payments are one-time, then the total interest for the two years is:
300000*1.45%*2=8700 yuan.
4.2-year savings.
The latest two-year interest rate of the Bank of China is 1.5 percent, if you deposit 300,000 yuan in it, exactly two years, how much interest can you get?
300000*1.65%*2=9900 yuan.
5.3-year savings.
The People's Bank of China's latest three-year interest rate is 195%, after three years, we can calculate both the principal and interest, and then convert it into a total interest for two years.
That is to say, the interest rate for two years is 17550 3 * 2 = 11700 yuan.
5.5 years of savings.
The latest five-year interest rate of the Bank of China is 2 percent, and after three years, we will calculate both the principal and interest, and then convert them into two years of total interest.
300000 2 5 = 30000, the interest rate for 2 years is 30000 5 2 = 12000.
In the Bank of China, you can buy a large deposit of 300,000 yuan, which is divided into six grades according to the deposit period, and the interest rate is as follows.
1.1-month and 3-month time deposits.
The annual interest rate for both one-year and three-year large deposits of the Bank of China is 15%, buy 300,000 yuan, buy multiple times after maturity, you can get two years of interest.
2.6 months fixed deposit.
The annual interest rate of Bank of China 6-month fixed deposit is 16%, buy 300,000 yuan, and repeat the purchase within two years, the interest you can get is:
3.1 Year Fixed Deposit.
The interest rate of the one-year fixed deposit of the Bank of China is 18%, if you buy 300,000 yuan and then continue to buy after maturity, you can get two years of interest.
4.2 years fixed deposit.
Bank of China is a one-year deposit fixed deposit with an annual interest rate of 19%, exactly two years after purchase, the full principal and interest can be withdrawn from the bank, including:
300000*1.9%*2=11,400 yuan.
5.3 years fixed deposit.
The interest rate for a three-year fixed deposit of Bank of China is 235%, three years after the purchase, after three years, we can calculate both the principal and the interest, and then convert it into two years of total interest.
300000*2.35%*3=21150, the interest rate for 2 years is 21150 3=14100 yuan.
Even for the longest-term large-denomination certificates of deposit, the annual interest is only 235%, and it's certain that in the medium and long term, it's not going to get higher, it's going to get worse, so is there a better way to invest it? The answer exists, but not everyone can find it.
Unlike other commercial banks, Bank of China has also set up its own wealth management subsidiaries and launched some wealth management products with higher annual interest rates, thus attracting a large number of savings customers. However, we would like to remind you that these financial products do not have *** income, nor *** income, but only expect returns. What is the expected rate of return? It is the estimated rate of return based on the past performance of this **.
But the problem is, nothing can be 100% successful. This is also why in recent years, many wealth management products have not had as high returns as when they bought them after maturity, and sometimes they will lose some principal. Therefore, do not confuse the concepts of "time deposit, time deposit, time deposit" and so on, such misunderstandings will have a bad psychology for investors.
If you are not willing to bear any risk of returns and principal fluctuations, it is best not to buy financial products, and save your savings steadily, so as not to lose sleep at night; For depositors with a strong risk tolerance, a part of the deposit can be used for investment.
This is just my own opinion, please pay more attention, like, your attention is the biggest encouragement for my creation!