ten thousand yuan is deposited in the bank for a fixed period of one year, with an annual interest rate of 2.1%, and the principal and interest due in one year is: 1+(2.1%*1)=121 yuan.
At present, the interest rate of bank deposits is relatively low, so you can consider buying bank-guaranteed wealth management products. For example, the interest rate of guaranteed wealth management products of Bank of Communications is around 4%, and the interest rate of Yu 'ebao in Alipay is around 3%, which is a monetary fund and can be withdrawn at any time.
1. Time deposit, according to the benchmark deposit interest rate listed by the central bank, the one-year interest rate is 1.5%, the two-year interest rate is 2.1%, and the three-year interest rate is 2.75%. If you calculate according to the benchmark interest rate listed by the central bank, for example, if you deposit this 1, yuan in a three-year time deposit with the interest rate of 2.75%, the interest you can earn after three years is 825 yuan, which is divided into 275 yuan per year. And each bank can raise the interest rate within the scope of supervision. For some commercial banks, the interest rate for time deposits can reach about 3.4% for a three-year period. Then, if the average three-year interest rate is 3%, the interest income of 1, yuan for three years is 9 yuan, and the annual income of splitting is 3 yuan. < P > Second, special deposits and special deposit products are also one kind of savings, but the threshold is higher than ordinary fixed deposits. Take the special deposit of xx Bank as an example. As can be seen from the screenshot, the special deposit with a threshold of 5, yuan has a one-year interest rate of 2.5%, a three-year interest rate of 3.72% and a five-year interest rate of 3.84%, which is comparable to the interest rate of large deposit certificates, and the threshold for deposit is lower than that of large deposit certificates. If you choose to deposit 1, yuan into this special deposit for three years, it is estimated that you will get interest of 1,116 yuan after three years, with an average of 372 yuan per year.
third, the threshold of structured deposits is higher than the previous two paragraphs, with a minimum deposit of 1, yuan, guaranteed interest rate and guaranteed principal, but the final income will fluctuate to some extent. For example, this structured deposit in the screenshot has a term of 65 days, guaranteed annual interest rate of 1.25% and expected interest rate at maturity of 3.43 or 3.63%.
IV. Internet smart deposit, which is mainly attached to the Internet platform for sales and deposit collection, can be purchased directly through online opening of bank electronic accounts, without going to bank physical outlets, and the subscription process is simple. Taking xx's bank savings deposit as an example, as can be seen from the screenshot, it is low-risk, starting at 5, yuan, supporting early withdrawal, with the longest term of 5 years and the highest annualized interest rate of 4.75%, which can be paid every 36 days. This interest rate is higher than the interest rate listed by most banks, and the principal and interest within 5, yuan are protected by the national deposit insurance system. If 1, yuan is deposited in a deposit with this interest rate of 4.75%, the annual income is about 475 yuan.