Money Qian Lai Yachun "If you don't buy savings insurance, how will you save money?" Faced with the high-interest savings insurance that is about to become a thing of the past, netizens in the financial management community enthusiastically discussed the topic of saving money. As a result, many netizens openly shared that they did not know how to save money.
There are two ways to buy savings insurance and still save money: Method 1: Use a lump sum payment (deposit 210,000 yuan in 6 years). The so-called lump sum payment is a type of fixed deposit, similar to depositing a fixed amount of money every month.
concept.
For example, Xiaohua goes to the bank to apply for a small deposit and single payment. If she chooses to deduct a fixed amount of 3,000 yuan on the 6th of every month within a year, the bank will automatically transfer 3,000 yuan from her current account to a fixed deposit for the small deposit and single payment every month.
account.
After one year, you will have saved $36,270.
After one year of fixed deposit with zero deposit, the due principal will be divided into 12 fixed deposits, and a new principal of 3,000 yuan will be added. Then starting from the second year, the monthly zero deposit payment will be 6,000 yuan;
In the third year, you will save 9,000 yuan per month and make a lump sum payment... If you continue to do this for 6 years, you will be able to save 210,000 yuan.
(Editor's recommendation: A prodigal girl "save a lump sum" of 8,000 yuan per month, and save the down payment for a house in 6 years) Method 2: Save 10,000 yuan per month + 365 savings method (180,000 yuan in 1 year) Some netizens also provided
My own method of saving money is to use bank deposits to pay in lump sum, combined with the "365 daily money saving method".
The monthly amount of the lump sum payment is 10,000 yuan. If calculated based on the one-year interest rate of 1.06% for the lump sum payment, the amount can be saved to 120,691 yuan after one year.
As for the method of saving money every day for 365 days, that is, save 1 yuan on the first day, 2 yuan on the second day, and so on. By the 365th day, you will have saved 365 yuan. After one year, you can save 66,795 yuan.
By using these two methods to save money, you can save up to 187,486 yuan in one year.
Make good use of time to make money with compound interest and double your principal in 9 years. Although the above two methods can replace savings insurance and save money, the annualized rate of return is still low, only 1.06%.
If calculated using the rule of 72, it would take 67.9 years (72÷1.06) to double the principal.
"67 years is too long? Then I will teach you how to double your investment in 9 to 10 years, save 5,000 yuan a month, and receive 40,000 yuan a month when you retire at the age of 60." At a monthly staff meeting, "
Qiu Zhenghong, general manager of Money, suddenly came up with an eye-catching investment method, which instantly cheered up colleagues who were about to doze off.
"This investment tool that can double in 9 to 10 years is not a big name. It is the Yuanta Taiwan 50 ETF (0050) that everyone is familiar with." Qiu Zhenghong opened 0050 from its establishment in June 2003 to April 2019.
From the trend chart of the fund's net value since the end of the month, we can see that in the past 16 years, despite the once-in-a-century financial crisis and the European debt crisis, the net value of 0050 was once cut in half, but it rebounded quickly after falling deeply, and even went higher all the way, delivering brilliant results.
, the cumulative return rate in the past 16 years has been as high as 260.51%, and the annualized return rate is 8.34%. Calculated by the rule of 72, it will double in 9 years.
Qiu Zhenghong calculated based on the calculation of a 30-year-old young man, if he saves 5,000 yuan every month to buy 0050, the 5,000 yuan invested every month at the age of 39 will double to 10,000 yuan, and 10,000 yuan at the age of 48.
Double it again and it will become 20,000 yuan. When you are 57 years old, 20,000 yuan will double again and it will become 40,000 yuan!
This is the horror of time plus compound interest.
(Editor’s recommendation: Tutorial on saving 100 financial stocks in 10 years: save 10,000 yuan per month and receive 80,000 yuan in cash dividends annually!) But the most regrettable thing is that not everyone can earn an 8% annual compound interest rate.
"It's not that I don't want to make money, but I don't know my financial goals, and I don't want to take investment risks. I'm afraid of losing money when buying stocks, so I would rather put my money in savings insurance, thinking that I can retire risk-free by buying savings insurance. But in fact,
After 10 or 20 years of locking the money in the insurance policy, the purchasing power has already been eaten away by inflation. Even if you buy a savings insurance, you are still afraid and dare not retire! This is all because Taiwanese people have no investment culture. "Qiu Zhenghong is helpless.
say.
Money Qian Lai Yachun "If you don't buy savings insurance, how will you save money?" Faced with the high-interest savings insurance that is about to become a thing of the past, netizens in the financial management community enthusiastically discussed the topic of saving money. As a result, many netizens openly shared that they did not know how to save money.
There are two ways to buy savings insurance and still save money: Method 1: Use a lump sum payment (deposit 210,000 yuan in 6 years). The so-called lump sum payment is a type of fixed deposit, similar to depositing a fixed amount of money every month.
concept.
For example, Xiaohua goes to the bank to apply for a small deposit and single payment. If she chooses to deduct 3,000 yuan on the 6th of every month for a year, the bank will automatically transfer 3,000 yuan from her current account to a fixed deposit of the small deposit and single payment every month.
account.
After one year, you will have saved $36,270.
After one year of fixed deposit with zero deposit, the due principal will be divided into 12 fixed deposits, and a new principal of 3,000 yuan will be added. Then starting from the second year, the monthly zero deposit payment will be 6,000 yuan;
In the third year, you will save 9,000 yuan per month and make a lump sum payment... If you continue to do this for 6 years, you will be able to save 210,000 yuan.
(Editor’s recommendation: The prodigal girl “save” 8,000 yuan per month and save the down payment for a house in 6 years) Method 2: Save 10,000 yuan per month + 365 savings method (180,000 yuan in 1 year) Some netizens also provided
My own method of saving money is to use bank deposits to pay in lump sum, combined with the "365 daily money saving method".
The monthly amount of the lump sum payment is 10,000 yuan. If calculated based on the one-year interest rate of 1.06% for the lump sum payment, the amount can be saved to 120,691 yuan after one year.