National debt is a low-risk investment. Although there is no capital preservation and little loss, some investors don't know how to calculate the income when they buy government bonds. So today, Bian Xiao is here to sort out how much money can be earned with a three-year interest rate of 3.05% for the 65438+ billion national debt. Let's have a look!

How much can 65438+ million national debt earn at a three-year interest rate of 3.05%?

Suppose an investor has 6,543,800 yuan. If the interest rate of three-year treasury bonds is 3.05%, the money he can earn at maturity is 654.38+ 000000 _ _ 3.05% _ _ 3 = 965.438+050 yuan, and the income he earns is not bad.

It should be noted that if the interest rate of three-year treasury bonds is different, the interest earned will be different. Suppose the interest rate of three-year national debt is 3%, and the money that can be earned at maturity is 100000__3%__3=9000 yuan. Because the interest rate of national debt will decrease, the income will decrease a little, so when buying national debt, you should choose to buy it when the interest rate of national debt is high.

When you buy national debt, you need to analyze it from the aspects of risk, profitability and liquidity. Generally speaking, the risk of national debt is very small and the income is relatively stable, so it is very popular with most people, but the liquidity of savings bonds is not very good and the term is relatively long. At present, there are only three-year and five-year savings bonds, both of which have relatively long maturities. If you need funds in the short term, you should not buy government bonds.

Treasury bonds are generally suitable for buying idle money that has not been used for a long time. In addition, if a novice wants to buy government bonds, he needs to pay attention to the issuance time of government bonds in advance. National debt is different from other financial management. It has an issuing time. If it is not within the issuing time, it can only be purchased within the issuing time.

In addition, there will be a batch of government bonds issued, so you should queue up at the bank early when you buy them. If it is an electronic national debt, you can buy it online if you have the authority to open the national debt. If you don't have the authority to open an account for national debt, you can't buy it online.

Then, if you think that the yield of national debt is relatively low, you can also consider other financial management, but the risks of other financial management are relatively large. When the financial market is not good, it is likely to suffer heavy losses. Therefore, you should analyze your own situation when investing. If you can't take big risks, you can consider treasury bonds. If you want to pursue high returns, you can also consider other high-risk financial management.

Bank of Communications deposits 200,000 yuan with an annual interest rate of 3.25%. How much can it earn?

If the three-year fixed interest rate of Bank of Communications is 3.25%, assuming the deposit amount is 200,000 yuan, which is equal to: deposit amount _ _ deposit interest rate _ _ deposit period according to the calculation formula of bank deposit, we can know that the money earned at maturity is 200,000 _ _ 3 = 1.95 million yuan.

It should be noted that the above is the money earned in three years, that is, it takes three years to earn so much interest. If you take it out in advance, you will lose some interest money according to the current interest rate.

Suppose the deposit interest rate is 0.3%. If 200,000 yuan is deposited at the three-year deposit rate, but it is withdrawn in advance because it has been deposited for one year, it will be calculated according to deposit interest rate, that is, 0.3% of 200,000 yuan = 600 yuan. You can compare the difference between the two.

Therefore, it is generally not recommended to take out money in advance. If you are not sure when you need it, don't put it in at one time when you save money, because once you take it out in advance, it is not cost-effective, and you can give priority to the ladder deposit method.

The ladder deposit method is to divide a sum of money into several parts, each of which is deposited in a fixed deposit with different maturities. For example, divide 200,000 yuan into five shares, each of which is 40,000 yuan, and deposit it in 1 year, 2 years, 3 years, 4 years and 5 years respectively, so that the principal and interest of 40,000 yuan will expire every year, which can prevent the interest loss of early withdrawal and earn good interest.

Generally speaking, the ladder deposit method can make the liquidity of funds better than ordinary deposits. If it is urgent to take it out in advance, it will only affect the part that is taken out in advance, and the part that is not taken out in advance will not affect it.

If you think the deposit interest rate of 3.25% is relatively low, you can also give priority to other banks with high deposit interest rates. Before saving money, you can compare the deposit interest rates of several banks and then choose the one with the highest deposit interest rate. Generally speaking, it is possible for small banks to raise the deposit interest rate in order to attract customers to save money.

Can 500,000 financial management earn 65,438+10,000 a year?

500,000 wealth management can earn 65,438+10,000 yuan a year, but the premise is that the purchased wealth management should increase by 20%, while ordinary bank wealth management or wealth management products basically can't reach the annualized rate of return of 20%. Because the risk is relatively low, the income is relatively stable, but there will be no high income.

However, some high-risk funds may achieve an annualized rate of return of 20%, such as stock funds, index funds and hybrid funds. These funds are all investing in the stock market, so the risks are relatively large and the fund fluctuations are relatively large.

Take a simple example: suppose you buy a stock fund with a subscription amount of 500,000 yuan, and the fund may increase by 20% a year. In the case of a good fund market, the money earned is: 500,000 _ _ 20% =10,000, which is achievable.

However, it should be noted that stock funds can earn 6.5438+million yuan, but if the market is not good, the fund will fall by 20%, which means a loss of 6.5438+million yuan, so the risks and benefits of the fund are relative, so everyone should be cautious in investing.

In addition, when the stock fund market is good, the fund has an increase of about 100%, but investors rarely say that the annualized rate of return reaches 100%, unless they are lucky, the selected fund is also very good.

Because when most ordinary people buy funds, their mentality will easily change with the increase of funds, and then they will operate frequently, so there will be a phenomenon that funds make money, but they don't make money.

Secondly, gold and stocks are more risky. When the market is good, it is also possible to earn 65438+ 10,000 yuan. But because of the high income, the relative risk is also relatively large. Therefore, when investing, we should also pay attention to its risks, because there are more funds of 500,000 yuan, and once the loss is 65,438+10,000 yuan, it is also a relatively large loss, so we are investing.