Today is December 20th, 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 50,000 yuan in the Postal Savings Bank for a year?
If you deposit 50,000 yuan in the Postal Savings Bank for a year, how much interest income will you have?
1 . current
For demand deposits, everyone should know and know. However, here is a reminder to all savers: do not put money inside the life period.
Because the interest rate of demand deposits is very low. When you keep your money alive, you are taking your own money and working for the bank.
At present, the interest rate of demand deposits in the Postal Savings Bank is only 0.20% per annum. Put 50,000 yuan, in the survival period, the interest for one year is only:
5万×0.20%＝100元
In the life period of 50,000 yuan, the interest for one year is only 100 yuan. This is not saving money at all, or giving to the bank for free. Then the president of the bank, seeing that you were a little unbearable, reluctantly gave 100 yuan for hard work.
Saving money is definitely safety first. Secondly, it is the issue of interest that is considered. However, we can't just be safe and don't want any interest at all. In the survival period of the money, it is giving for free. This kind of "money is stupid", everyone must not do it.
2 . Call Deposits
Here's a word to say: Anyone who puts money into a notice deposit is a person who has a special study of saving money and is especially good at taking care of money.
Because of the flexibility of call deposits, it is very good, especially suitable for the majority of middle-aged and elderly depositors.
There are two types of call deposits: one-day call deposits and seven-day call deposits.
The interest rate for a one-day call deposit is 0.45% per annum. For each day of deposit, the bank settles the interest. The interest will be settled as many times as you save it.
Put 50,000 yuan and save it for one day to call the deposit, and the interest every day is:
50,000×0.45%÷365=0.62 yuan
The interest of saving for one day is 0.62 yuan, and the interest for one year is 225 yuan.
For 7-day call deposits, the interest rate is 1.0% per annum. Every seven days of deposit, the bank settles the interest. The interest will be settled as many times as you save for seven days.
Put 50,000 yuan into a seven-day notice deposit, and the interest for each seven-day period is:
50,000×1.0%÷365×7=9.6 yuan
For every seven days of deposit, there is an interest of 9.6 yuan. If you save for a year, the interest will be 500 yuan.
Call deposit is principal and interest guaranteed, without any risk. In addition, the interest settlement period is very short, and the flexibility is very good. Like many depositors, the money in their hands is not stored for a long time, and it may take ten days and half a month to use it.
In this case, you can deposit the money in the bank's notice deposit.
3 . regular
Fixed deposits, guaranteed principal and interest, without any risk. It is no exaggeration to say that it is the most suitable way for us ordinary people to save money.
For savers who like to save a fixed term, they must also be praised: they are all down-to-earth and very pragmatic people in life.
This is not a boast, because the deposit period is very simple and there are not so many routines.
You deposit your money for a fixed period of time, and the bank issues a fixed passbook (or certificate of deposit) for you. On the passbook, the time, amount, interest rate, and maturity time of your deposit are clearly printed.
You don't have to worry about anything, just protect your passbook and password, and you can rest easy. Work when you need to work, and live when you need to live. Wait for the money to expire, go to the bank counter to withdraw the principal and interest.
Fixed deposits are guaranteed in times of drought and flood.
If you deposit 50,000 yuan in the Postal Savings Bank for one year, you can deposit it for a fixed period of one year.
The interest rate of the Postal Savings Bank is 1.85% per annum. This interest rate is slightly higher than that of several other large state-owned banks (1.80%).
Put 50,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
5万×1.85%＝925元
Also, there is one thing to be aware of. The Postal Savings Bank has a one-year deposit term, and in addition to the normal interest, there are generally gifts to give. As long as the deposit amount reaches 10,000 yuan, some small gifts will be given.
For a small amount of deposit, small gifts such as rice, oil, and paper towels will be given.
For large amounts of deposits, the bank will send some small household appliances.
For large deposits, like more than 1 million, the bank can also give you customized gifts.
However, if you take this gift, you must ensure that the expiration date is guaranteed. If you use your money in the middle of your savings and withdraw it early, you should return the gift.
4 . Other savings activities
As a major state-owned bank, the Postal Savings Bank has many other money saving activities.
Like large-value certificates of deposit, they are also deposits and are also protected by law. Even if the bank goes bankrupt and fails, as long as the amount does not exceed 500,000, it will be compensated in full.
The interest rate of the one-year large-denomination certificate of deposit of the Postal Savings Bank is 1.95% per annum. This interest rate is 0.10% annualized higher than the 1.85% fixed one-year interest rate.
It is equivalent to the same deposit amount, the purchase of a one-year large-amount certificate of deposit is more than a one-year deposit. For every 10,000 yuan, you get an extra 10 yuan in interest every year.
However, there is a threshold for the amount of large-value certificates of deposit, which requires a minimum purchase of 200,000 yuan. If you only have 50,000 yuan, you can't buy a large certificate of deposit.
Like savings bonds, issued by the Ministry of Finance. In terms of safety, it is also principal and interest guaranteed. In addition, the interest rate on savings bonds is higher than that of fixed deposits. In case you use the money halfway through the deposit, you can withdraw the savings treasury bonds in advance, and you can also rely on the file to calculate interest according to how long you have been saving.
However, savings bonds have a longer maturity, with only three-year and five-year maturities.
If you only save 50,000 yuan for one year, you can't buy savings bonds.
In addition, there are also wealth management products, funds and insurance products. However, these ways of saving money are either risky or too long, and they are not suitable for us ordinary people.
summary
The Postal Savings Bank, as one of the six state-owned banks, has strong strength, with total deposits of more than 10 trillion yuan. Keep your money in the Postal Savings Bank, and you don't have to worry about the bank going bankrupt.
Moreover, the business outlets of the Postal Savings Bank are located in every corner of the country. No matter where you go, it will be very convenient to deposit and withdraw money.
For us ordinary people, it is a very good choice to deposit money in the Postal Savings Bank.