13? Internet Popularity List Food Network College Life Trend ag(); 13? From: Internet Date: 2022-05-18 According to official data, the per capita deposit number of Chinese residents is about more than 70,000.

Just scrape it together and work hard to save 100,000 yuan to make a fixed deposit in the bank.

The 5-year term is too long, and there is no guarantee that early withdrawal will not occur, so simply choose the 3-year term.

So here comes the question. After the deposit interest rate is adjusted, if you have 100,000 yuan in a three-year time deposit in a bank, how much annual interest can you get?

Among the six major state-owned banks in my country, the Industrial and Commercial Bank of China has been jokingly called “the largest bank in the world” by netizens. It has many depositors and branches all over the country.

If you deposit 100,000 yuan into a 3-year ordinary time deposit, the annual interest is: 100,000*2.75%=2,750 yuan. If you deposit 3,000 yuan into a 3-year exclusive time deposit, the annual interest is: : 100000*3.25%=3250 yuan National joint-stock commercial banks There are 12 national joint-stock commercial banks in my country. Among them, CITIC Bank’s 3-year time deposit has 5 different thresholds, namely 50 yuan, 1,000 yuan, 5 Thousand yuan, 10,000 yuan, and 50,000 yuan respectively correspond to different deposit interest rates.

Among them, the exclusive time deposit interest rate for deposits starting from 50,000 yuan is 3.5%.

If 100,000 yuan is deposited in it, the annual interest is 100,000*3.5%=3,500 yuan. Small and medium-sized banks There are more than 4,000 banks in our country. In addition to the above two types of large but relatively small banks, there are many other small and medium-sized banks.

bank.

Regarding the 3-year deposit, the upper limit of the deposit interest rate is difficult to find, but we can find some reference materials to understand the approximate level.

For example, on the official website of China Money Network, the upper limit of the interest rate that most small and medium-sized banks can offer for 3-year large certificates of deposit is 3.55%.

In a very small number of banks, they can also provide a three-year deposit interest rate close to 4%. For example, I found on WeChat that the Xinxian Rural Commercial Bank’s three-year deposit interest rate is 3.988%, and 100,000 yuan brings

The annual interest is 100000*3.988%=3988 yuan.

Deposits and Financial Management From the above calculations, we can see that after deposit adjustments, it is difficult to reach 4% with today’s deposit interest rate in a three-year term. In addition, although the principal of 100,000 yuan is already relatively rare compared to the number of deposits per capita,

, but still not too high, and the interest received is not too much.

If we want to increase our income, we need to increase the number of deposits on the one hand. We can do this through hard work, increasing income and reducing expenditures. This is a relatively immediate way to increase the number of deposits.

On the other hand, you also need to choose a deposit or investment financing method that suits you with relatively high interest rates to increase passive income.

You can plan your funds before depositing, and manage most of the funds through bank fixed deposits, large-denomination certificates of deposit, or treasury bonds, so that you can protect your capital.

In order to maintain interest, it is recommended to divide the funds and deposit them for different periods according to the required liquidity, and try to avoid early withdrawals. If necessary, you can choose to use ladder deposits to build a deposit cycle and enjoy a higher average rate of return.

.

For a small amount of funds, you can choose a method that suits your risk tolerance.

If you cannot accept the loss of principal, it is not recommended to choose bank financial products, stocks, stock funds, etc., as these are not principal guaranteed.

If we want to add value without risk, we need to have a keener vision, which can be cultivated through news policies that pay more attention to economic and other aspects.

For example, it is no longer appropriate to rely on real estate speculation to beat inflation.

The real economy has been greatly affected by the epidemic, and some self-employed people have to close their doors from time to time due to the epidemic requirements... So now is not a good time to start a business.

However, despite the unfavorable general environment, my country's foreign trade industry has bucked the trend and achieved more than ten consecutive gains. This is mainly due to the fact that the country has introduced a series of policies to stabilize foreign trade to protect it.

Last year, my country's general trade import and export increased by 24.7%, which is a very gratifying achievement.

You can use some foreign trade economic platforms such as Zhizhenhaigou's consignment sales. It only takes a 30-day cycle and 12% of the profit is equivalent to an annualized rate. If you have 100,000 yuan, you can make a steady profit of 12,000 yuan a year. This is in line with national policies and is based on

Physical import transactions are safe and capital-guaranteed, and the cycle is very short. There is no liquidity risk, which can help you make steady profits without risk and enjoy industry dividends.

In short, with today's deposit interest rates, if you hold 100,000 yuan and deposit it in a three-year time deposit in a bank, the annual interest will hardly exceed 4,000 yuan.

If you want to increase your passive income, you can keep most of your funds in the bank to protect your capital. For a small amount of funds, you might as well choose a method that suits your risk tolerance to add value.