Baidu knows that I have 300,000 yuan to save for one month. The interest rate for one month is 87.5 yuan. Let’s talk briefly about finance. The answerer is Finance. Shijiazhuang Yunmu Psychological Consulting Co., Ltd. became the 22257th fan. The interest rate for 300,000 yuan for one month is 87.5 yuan.

The current demand deposit interest rate is 0.35%.

Calculation formula: 300000×0.35%÷12=87.5 yuan.

Of course, you can also make fixed deposits. The current fixed deposit interest rates are: 1. Whole deposits and withdrawals for three months, 1.85 for half a year, 2.05 for one year, 2.25 for two years, 2.75 for three years, 3.25 for five years, 3.352. Small deposits, lump sums, and principal deposits

The interest rate is 1.85 for one year, 2.05 for three years, and 2.153 for five years. For fixed deposits, the interest rate is 40% off for the same level of interest rate for regular deposits within one year. Agreement deposits are 1.15, and notice deposits are 0.80 per day and 1.35 for seven days.

The first point is that bank financial products have an annual interest rate of 4.5%-6%.

Generally speaking, during the raising period and liquidation period, bank financial products are calculated based on demand deposits.

Therefore, if you want to buy bank financial products, you must buy them as late as possible, so that the fundraising period will be shorter.

The second point is to pay attention to "expected returns" and "actual returns." With the intervention of Internet financial wealth management products, banks have begun to attract users with "attractive" yields in order to win more user groups.

Here, everyone must pay attention to "expected returns" and "actual returns".

High expected returns do not mean high actual returns, so when choosing financial products, you must consider all aspects and not just look at the so-called rate of return.

The third point is to pay attention to the "risk rating". Risk rating is very important for financial managers, but when choosing financial products, don't just look at the risk rating of the bank, because in many cases, the risk rating given by the bank is

It is self-assessed by the bank, not by a third-party agency.

The fourth point is to pay attention to the "overlord clauses". When banks design financial products, some of the regulations they design will obviously favor the bank. We call them "overlord clauses".

For such financial products, try not to buy them.

According to national regulations, the maximum annual interest rate of any financial institution shall not exceed 6.5%. In other words, those with an annual interest rate exceeding 6.5% are cautious in using high interest rates to be deceived. Similar to some illegal fund-raising, the annual interest rate is as high as 9% or even 10% to lure investors.

Investors will eventually lose their investment capital; if 300,000 is deposited in the bank, no matter whether you invest in the bank for survival period, deposit term, purchase bank financial products, currency funds, government bond reverse repurchases, or any other financial products, it will not reach 12

% to 16% annual interest rate, any bank financial product annual interest rate of 6% is a very, very high interest rate.