Today is December 17th, and the Postal Savings Bank, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, the Postal Savings Bank has more than 30,000 business outlets across the country. It is the bank with the largest number of business outlets among all commercial banks.
In addition, the Postal Savings Bank is very close to the people and conducts activities of "depositing and giving gifts" all year round. Many middle-aged and elderly depositors like to keep their money in the Postal Savings Bank.
Let's take a look, how much interest can be paid if you deposit 40,000 yuan in the Postal Savings Bank for two years?
If you deposit 40,000 yuan in the Postal Savings Bank for two years, how much interest income will you have?
1 . current
A reminder to all savers: if you have spare money in your hands, don't survive. Whoever keeps the money alive is a big fool.
Because the interest rate on demand deposits is really too low. When you keep your money alive, you are working for the bank.
In the Postal Savings Bank, the interest rate on demand deposits is only 0.20% per annum. This is not only the Postal Savings Bank, the demand deposit interest rate is low, all banks, the demand deposit interest rate is about the same.
If you put 40,000 yuan in the survival period, the interest for that year is:
40,000×0.20%=80 yuan
In the life period of 40,000 yuan, the interest for one year is only 80 yuan. According to this interest rate, even if you save for two years, the interest is only 160 yuan. This is not saving money at all, but taking your own money and giving it to the bank for free. Then the bank saw that you were too stupid, so they reluctantly gave a little hard money.
Demand deposits are very safe, with guaranteed principal and interest. However, we can't save money as long as it's safe and don't have any interest at all. The survival period of money is "money is stupid", and everyone must not do this kind of thing in the future.
2 . regular
For fixed deposits, we must praise it: this is the most suitable way for us ordinary people to save money. For savers who like to keep their money in a fixed term, they must also be praised: they must be down-to-earth and particularly pragmatic people in life.
Because the deposit period is very simple, there are no routines, and there are no traps.
If you deposit your money for a fixed period of time, the bank will issue you a fixed passbook (certificate of deposit). On the fixed passbook, the time, amount, interest rate, and maturity time of your savings are all clearly printed.
You don't need to worry about anything, just keep your passbook and password protected, and you can rest easy.
And some people like to buy financial management, speculate in funds and stocks. Moreover, these people also have a special sense of superiority in their hearts, and they especially look down on people who save a fixed term. I think that saving money for a fixed period is an old antique that doesn't hold meetings.
But what about the result?
These people have been tossing for many years, and they are all tossing blindly. As soon as he opened his mouth, he could say that he was the Tao, but when he looked at their records, he didn't see them all losing.
And those who like to save regularly, after saving money, they can sit back and relax, eat and sleep soundly. When the time comes, I go to the bank to get the interest steadily. This is an "old antique"? This is wisdom as foolishness.
If you deposit 40,000 yuan in the Postal Savings Bank for two years, you can choose to deposit it for two years at a time. The interest rate is 2.10% per annum, and the interest on maturity for two years is:
40,000 ×2.10%×2=1,680 yuan
The advantage of saving for two years is that you can lock in interest income for two years. Because interest rates are falling every year, you can save for two years at a time, and during this time, you don't have to worry about cutting interest rates. No matter how the bank interest rate falls, the interest at maturity will not be less.
However, the term of deposit is two years, which is a longer term. Although when we save money, we think about the maturity of the deposit. However, no one can predict what the future holds.
If you are in an emergency, you need to withdraw the money. If the fixed deposit is withdrawn in advance, all the interest will be settled according to the current interest rate.
Put 40,000 yuan in the Postal Savings Bank for two years, or you can choose to deposit it for a fixed period of one year. Then wait for the expiration period before continuing to roll.
Postal Savings Bank, fixed one-year deposit, the interest rate is 1.85% per annum. This interest rate is slightly higher than that of several other large state-owned banks. In addition, the Postal Savings Bank also gives gifts for a one-year deposit. Therefore, there are many middle-aged and elderly depositors who like to go to the Postal Savings Bank to deposit for a fixed time.
Put 40,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
4万×1.85%＝740元
The interest of the deposit period for one year is 740 yuan, so according to this interest rate, if you continue to redeposit after the expiration date, you can still get 740 yuan of interest. The total interest for two years is 1,480 yuan.
However, the interest rate on our bank deposits is falling every year. If you roll over the deposit year by year, the interest will definitely decrease year by year. The total interest for those two years is not 1480 yuan.
The advantage of a one-time deposit for two years is that you can lock in interest income for two years. In addition, in terms of interest rate, it is also more than if it is redeposited year by year.
The same is 40,000 yuan, saved for two years. A one-time deposit for two years is more than a year, and the interest is 1680-1480 = 200 yuan.
The disadvantage is that the deadline is long and the flexibility is relatively poor.
The advantage of rolling over year is that it is more flexible. The downside is that interest rates are low and they are also vulnerable to interest rate cuts.
Therefore, when you save a fixed term in the future, you must choose the most suitable period according to your actual situation. If you are sure that the money can not be used for three years, you can save it for three years at a time. If you are not sure whether the money will be used in three years, then transfer it year by year, and be safe.
3 . Some other ways to save money
The Postal Savings Bank, as a genuine state-owned bank, has a lot of money saving activities. Among them, there is no need to consider the risky ones. Saving money must be safety first. It can be called a guarantee of principal and interest, and there are some.
Like a large-amount certificate of deposit, it is guaranteed to guarantee principal and interest. The interest rate is higher than that of a fixed deposit, and it can be transferred along the way. However, large-amount certificates of deposit are more "dislike the poor and love the rich", with an amount threshold and a minimum purchase of 200,000 yuan.
Like savings bonds, the same guarantees principal and interest. Moreover, there is no threshold amount limit for savings bonds, and you can buy them with a minimum of 100 yuan.
The interest rate is also higher than that of time deposits, and if you withdraw it in advance, you can also rely on the file to calculate interest. However, the maturity of savings bonds is relatively long, with a minimum period of three years.
Both of these ways to save money are very good, but they have certain restrictions. For only 40,000 yuan, if you only save it for two years, you can't buy it.
It is almost the end of the year, and in the near future, when you go to the Postal Savings Bank to deposit money, you must be more careful and be vigilant against the bank selling insurance products
Let me tell you a more important thing: At this time of year, the Postal Savings Bank will cooperate with insurance companies to sell insurance.
If you want to go to the Postal Savings Bank for a while, deposit money. No matter what you want to save, your bank manager will highly recommend insurance products to you.
The remuneration for selling insurance is high, and it is a political task that must be completed. This can't be avoided, there will be bank managers, either for money, or to complete tasks, who only care about selling insurance products, and don't care about the process of selling.
Just some time ago, the Postal Savings Bank, a sub-branch of Beijing Municipality, was heavily fined 150,000 yuan by the Beijing Branch of the Financial Regulatory Bureau (formerly known as the China Banking and Insurance Regulatory Commission) for deceiving depositors in the process of selling insurance products.
Although insurance products do not actively deceive people, the people who sell insurance are not necessarily. During this time, you must be more careful when you go to the Postal Savings Bank to deposit money.
If you are tempted by high interest rates or are greedy for gifts from the bank, this is the reason to buy bancassurance products. That's likely, when you buy it now, how sweet the smile is. Later, when you surrender the insurance and withdraw the money, you will cry so badly.