As of October 17, 2021, under normal circumstances, the interest rate for a 150,000 bank deposit per year ranges from 2,700 to 2,925.

The specific annual interest rate depends on the bank's interest rate.

The central bank announced that the one-year time deposit interest rate of financial institutions will be reduced by 0.25 percentage points to 1.5%. After the central bank cut interest rates, the Agricultural Bank of China made corresponding adjustments to bank deposit interest rates.

After the Agricultural Bank of China's interest rate adjustment, the one-year deposit interest rate is 1.75%, which is 0.25 percentage points higher than the central bank's one-year deposit benchmark interest rate.

Bank interest calculation formula: Interest = principal * annual interest rate * deposit term.

They are divided into current deposits and time deposits. Current deposits have lower interest rates but can be withdrawn at any time.

Time deposits have relatively high interest rates, but generally cannot be withdrawn until maturity.

The People's Bank of China (Central Bank) current benchmark interest rate is 0.35%. However, the central bank's benchmark interest rate is not binding on commercial banks. Many commercial banks' current benchmark interest rates are lower than 0.35% and are 0.3%.

Current deposit: The advantage is that it can be deposited and withdrawn at any time, and it is very flexible, but the interest rate is very low, with an annual interest rate of only 0.72%.

Time deposits generally have six deposit periods: three months, six months, one year, two years, three years and five years. The current annual interest rates are 1.71%, 1.89%, 1.98%, 2.25%, 2.52% and 2.79 respectively.

%.

The advice of industry insiders is to choose short-term fixed deposits.

There are also banking "baby" products to choose from. This product was created after Yu'e Bao. It is specially designed by banks to resist the impact of Yu'e Bao. Its essence is the same as Yu'e Bao. It is also a monetary fund.

Yu'E Bao is similar. According to the current market price, it is around 4%. However, the buying limit of bank "baby" is higher than that of Yu'E Bao. If you want to buy, you can just sign the product agreement at the counter.

Therefore, the annual income from the "baby" of 150,000 yuan in the bank is 150,000*4%=6,000 yuan, which is twice the regular interest, and it is easy to deposit and withdraw.

You can also choose financial management. Currently, market interest rates are rising. On the bank capital supply side, such as financial management, and on the bank asset investment side, such as mortgage loans, the interest rates on both are increasing. For 200,000 yuan, it is not enough to buy a financial management company with an annualized return rate of 5% in the current market.

Difficult, so the annual income of 150,000 yuan from financial management is 150,000*5%=0.75 million yuan, which is 2.5 times the regular rate.