For most ordinary people, putting money in the bank is the most stable compared with other investments, and deposits can also enhance citizens' sense of security in today's society.
As we all know, when you deposit money in the bank, you must pay interest.
If the bank adopts the daily interest method with one-year fixed interest rate (if the daily interest method is adopted, the daily interest = principal times annual interest rate divided by 360), the actual deposit period is 365 days, and the interest is calculated every day.
The calculation formula is: interest = principal * annual interest rate.
Then, the bank interest rate is 3.55%. 65438+ 10,000 yuan deposit interest for one year?
Bank deposit interest is calculated on the basis of simple interest. If the interest is calculated according to the bank's interest rate of 3.55%, if you save 6,543,800 yuan, the total interest you can get in one year is 3,550 yuan.
The calculation method is also relatively simple. To calculate how much interest can be earned by bank time deposits, the formula is:
Total deposit interest = deposit principal * deposit annual interest rate * deposit term.
If 65438+ ten thousand yuan is saved for one year, the income is: 65438+ ten thousand x 3.55%=3550 yuan.
However, it should be noted that if you deposit a one-year time deposit, you cannot withdraw it in advance during the deposit period.
If it must be withdrawn in advance. It is very uneconomical to calculate interest only at the current interest rate, which will cause great losses.
At present, banks have many deposit products, including common time deposits, demand deposits, call deposits, structured deposits and so on.
One-year time deposit has the advantage of better liquidity. After all, the locking time is short.
If you don't have very high requirements for liquidity, for example, you won't use the money in the next few years, and you just want to get more deposit interest to ensure the safety of the principal, you can save it for three to five years.
Related Questions and Answers: Related Questions and Answers: How to calculate the interest of bank financing? 3% here refers to the expected annualized income, not the actual income.
There are two meanings in this.
The first layer means that this income is annualized income.
The so-called annualized income is the income generated by converting it into one year. For example, if the annualized income of 2 1 day is 3%, then the actual income of 2 1 day is 3%/365 * 21= 0.1.726%, which is theoretically12/kloc under no special circumstances.
The second meaning is that this income is expected.
The so-called expectation is the estimated approximate income, which is uncertain. The actual income may be higher than this 3% or lower than 3%. It depends on the investment of investment products.
At present, there are many investment destinations for bank wealth management products, such as interbank deposits, national debt, stocks, funds and foreign exchange. And the target income of these investments is not fixed and will fluctuate. If these products have higher returns during the investment period, then you will get higher returns. If the product income of this investment is low, then the income you get will be low.
Friendly Reminder
At present, bank wealth management products do not guarantee principal and interest. If you see that bank say capital preservation, it is absolutely illegal.
Some time ago, the asset management policy promulgated by the China Banking Regulatory Commission has made it clear that bank wealth management products cannot promise to protect capital and interest.
At present, time deposits and demand deposits can really protect the principal and interest, but time deposits have no deposit term of 2 1 day, only 1 month, 3 months, 6 months, 1 year, 2 years, 3 years and 5 years.
Finally, the annualized income of 2 1 day is 3%, and it is better to put it in Yu 'ebao or other monetary funds.
Under normal circumstances, the annualized income of bank wealth management products should be around 5%, and your 3% is a bit low. So you might as well put your money in Yu 'ebao or other money funds.
At present, the seven-day annualized income of Yu 'ebao is around 3.9%. If you put 1 10,000 yuan in the balance treasure, 2 1 day can generate about 2,243.8 yuan, which is 5 17.8 yuan more than your estimated 3% wealth management products. Moreover, Yu 'ebao is more liquid, so you can take it out at any time.