I have a one-year time deposit certificate of the Postal Savings Bank, and I want to buy a money fund, but I don't know how to calculate the interest of the bank. Can I buy it without taking it out? -You can't buy it unless you take it out. If you withdraw before maturity, the interest rate will be calculated according to the current demand.

I saw a post saying that you can buy it with the bank's time deposit certificate, but I wonder if the bank will still calculate interest? How to calculate? -If it is not due, it will be calculated at the current interest rate.

Interest calculation:

Interest generated before July 2 1:

Principal ×0.72%× actual deposit days /360× 0.8 (after tax) = 1

Interest after income tax on July 2 1 day and August 15:

Principal × 0.8 1 %× 26/360× 0.8 (after tax) = 1

Interest after income tax since August 15:

Principal × 0.8 1 %× 28/360/0.95 (after tax) = 1