I can tell you clearly that this interest rate is not very high, but it is not low either. Ordinary bank deposits can't reach this annualized interest rate.
As for why you say there are not many people, I have a few questions to consult here. Because of this 4.45% annualized income, there is likely to be a big pit waiting for depositors to jump.
At present, the general time deposit interest rate of banks is relatively low. For example, the annual interest rate of state-owned banks is 2. 1%, 2.6% for two years and 3.25% for three years.
In local small banks, the three-year interest rate is between 3.3% and 3.85%. As for the five-year period, basically many banks have cancelled this activity.
Therefore, what can reach the annualized interest rate of 4.45% is probably not deposits, but products such as wealth management or funds.
1. Financial management
The income from financial management is expected income, which is 4.45%, which does not mean that the income after maturity is 4.45%.
I work in a bank, and I can tell you clearly that if a wealth management product, the expected return is 4.45%. After the expiration, there is a 90% probability that the return is less than 4.45%. 5% probability, the income can reach 4.45%. 3% probability, the income exceeds 4.45%. 2% probability, there is a loss of principal.
Therefore, the expected income of financial management cannot be used to measure the interest that can be obtained after maturity. Moreover, in essence, financial management is a non-guaranteed floating income with certain risks.
For those who pursue the absolute security of principal, financial management is risky, so it is not the object of their consideration. So although the expected income is very attractive, not many people buy it.
2. Funds
If the annualized income is around 4.45%, the high probability is a bond fund.
Although bond funds are relatively stable, their risks are relatively low. However, it is still risky and does not meet the requirements of capital preservation and interest protection.
Moreover, many people don't understand the fund and have a weak sense of identity. So not many people are willing to buy bond funds.
Here, it is necessary to talk about a common routine of insurance products.
Many unscrupulous salesmen will tell customers that the income of this product is 4.45% when selling insurance products. But she didn't tell her clients that this 4.45% interest rate is a benefit that must be withdrawn after the expiration of five or ten years.
Like ordinary wholesale products, the five-year period can barely reach 4.45%. But if you take it out after four years, the income may be only 3.5%. Quit after three years, and the income is only 2.5%. Surrender for two years and then take it out, just to protect the capital. I took it out a year later, and the principal was still gone.
Like products delivered in advance, it will take at least ten years to surrender and take them out. And the longer the time, the higher the income. If left unchecked for twenty or thirty years, the annualized income can reach more than 5.0%. However, if it is withdrawn when the repayment is due, it will not only lose 4.45% interest, but also lose the principal.
Many people have suffered a lot because of this insurance routine. Therefore, as long as I see insurance, I feel annoyed. I get a headache when I hear the word insurance.
Once you have suffered a loss, you should pay your tuition. You can't pay IQ taxes one after another. It is normal that no one cares about such insurance products.
Then some people will ask, is there a deposit with an interest rate of 4.45%, which is safe, short-lived and unconventional?
There really is, but it's hard to meet.
Every quarter, banks have business indicators for saving money. At the end of the quarter, banks may issue high-yield short-term products to achieve their goals.
I bought it myself before, for seven days, with an annualized income of 7.0%. How does it work? It's also very simple.
For example, 1 10,000, the annualized income is 7.0%, and the interest is 1345 yuan for seven days.
However, your 1 10,000 USD is an ordinary seven-day notice deposit, with an interest rate of only 1. 1% and a seven-day maturity interest of only 2 1 1 yuan.
Then the person in charge of the bank, when you deposit money, agreed that you must deposit it for seven days, and then in addition to the normal interest, you will be given back 1 134 yuan cash. This, plus normal interest, can achieve a return of 7.0%.
Generally, this kind of situation rarely happens, and it may happen once a year at bank outlets.
Banks will never promote such deposit activities. They are all looking for familiar big customers, at least the kind that can deposit more than 654.38+0 million.
Several big customers have completed the missing business indicators, and in this way, they have kept in touch with big customers. You can kill two birds with one stone.
If it is really 654.38+10,000 yuan deposited in the bank, the annual interest is 4,450 yuan, and the interest can be withdrawn every year, and the principal can be withdrawn at any time. No risk, no routine.
There is no need for banks to deliberately publicize this kind of deposit activity, and depositors will rush to handle it. There will be no one to deal with it.
Although people don't know much about finance, they are not fools. No one has dealt with this good interest, and there must be a pit in it. Either the expected income from financial management or the insurance period is very long.
Be sure to keep your eyes open when saving money, and don't be blinded by high interest rates. There will be no pie in the sky, only hail.
The deposit is 6,543,800 yuan, with an annual interest rate of 4,550 yuan and an annual interest rate of 4.45%. This is a fairly high interest rate, and it is also a bank deposit. So why don't many people save?
1, I don't know the news. Many depositors don't know the news. At present, the interest rates of banks are generally not that high. The one-year time deposit interest rate of large banks is generally around 1.75%. Generally, the one-year deposit rate of small and medium-sized banks is around 2%, the three-year time deposit rate of large banks is around 2.75%, and the three-year time deposit rate of small and medium-sized banks is generally around 3.5%. It can be seen that the average bank interest rate is less than 4.45%.
If everyone knows the news and which bank has such a high interest rate, and the bank is relatively large and close to home, then many depositors may deposit in the past.
So, first of all, I may not know the news that time deposits are so high.
2. If you don't save money by investing in other wealth management products, you may also invest in other wealth management products. Now investors have many investment channels. If you don't want to deposit in the bank, you can also choose some wealth management products to invest. At present, some general one-year wealth management products have an annual interest rate of about 4.5%, which is similar to the 4.45% interest rate of this time deposit. Online transactions are also possible, which may be more convenient than depositing in a bank.
Of course, someone may have invested in the stock market. If you invest in the stock market now, if the investment level is relatively high, if you insist on value investment and hold it for a long time, then the risk may be relatively low, and the annual rate of return may reach 10% or more, which is still better.
So instead of saving money, it is better to invest in other wealth management products.
3. Conclusion To sum up, the annual interest of 654.38+10,000 yuan can reach 4,450 yuan, which is quite good. Not many people save money. One possible reason is that they may not know the news and do not invest in other wealth management products.
Breaking news, important reminder: you must pay attention to saving money in the bank. If some people say that the income is obviously higher than that of the bank, you must be careful about your principal at this time, which may cause great losses if you are not careful.
If you deposit 6,543,800 yuan in the bank, the annual interest will reach 4,450 yuan, so it can be said that the annual interest rate difference is 4.45%. This annual interest rate does not sound particularly high, but it is difficult to reach this level.
The annual interest alone is 4450 yuan, and few people say that it is not in line with the actual situation. According to the relevant statistics of the bank, the number of people saving money in the bank is increasing year by year, which may be affected by the epidemic in the past two years.
Your ideas have generally changed. You think you won't panic if you have food in your pocket. Therefore, many people prefer to put their money in the bank so that they can take it out at any time for a rainy day.
The annual interest rate is 4.45%. What kind of level is it? According to the data released by major banks, the interest rate of one-year time deposit is almost 2%, and the annual interest rate of three-year time deposit is only about 3.5%. It is a bit difficult to achieve an annual interest rate of 4.45% even in five years.
In order to achieve an annual interest rate of 4.45%, I think it is necessary to deposit at least 200,000 yuan, and a large deposit certificate can generate such a large interest.
But if you only save 654.38 million yuan, it is obviously impossible to get 4,450 yuan interest in the bank every year. What can achieve such benefits is basically not bank deposits, but may be wealth management, funds, insurance and so on.
But if you say the annual interest rate is 4.45%, is it possible? The answer is yes. To reach this level, it really takes a little time, a little place and a little people.
First of all, if the deposit wants to achieve an annual interest rate of 4.45%, then you need to find a bank with a higher annual interest rate than the deposit.
The annual interest rates of the six major state-owned banks are mostly the same, and there is no particularly big difference.
However, compared with the six state-owned banks, their popularity is already very high, and there is no need to attract depositors to save money by other means.
Therefore, the annual interest rates of the six state-owned banks are almost in a relatively stable state, and compared with other large commercial banks, the annual interest rates they provide are relatively higher than those of the six state-owned banks.
However, due to the abundant funds of commercial banks, involving many aspects and industries, they do not rely entirely on depositors to save money for profit. Relatively speaking, their annual deposit interest rate is a little higher than that of the six major state-owned banks, but it is not much higher.
On the other hand, those local city banks or rural commercial banks are not well-known on the one hand, and their funds are not as strong as those of commercial banks, so they often attract depositors by raising the annual interest rate on deposits.
In our rural commercial banks, the annual interest rate of a given five-year deposit is as high as 5.25%. Many banks of the same type don't have it, but it has a long deposit period.
Some people may say that such a small bank, or such a local rural commercial bank, closed down several years ago. Is it safe to deposit money in it? According to the relevant regulations of the state, all banks have joined the deposit insurance. Under the protection of deposit insurance regulations, as long as the deposit amount does not exceed 500 thousand yuan, no matter what happens to the bank, even if it goes bankrupt, your deposit amount can be guaranteed.
What's more, there are so many banks now, and the probability of bank failure can be said to be minimal, just like being hit by a meteorite. Moreover, with the protection of the deposit insurance regulations, depositors do not need to be afraid of other problems when depositing in any bank, and only need to control the deposit amount not to exceed 500,000 yuan.
If you want to achieve an annual interest rate of 4.45%, it is obviously impossible to choose a current passbook first, because the annual interest rate given by banks in the market is about 0.3%, which obviously can't even beat inflation. How can you make a lot of money?
For short-term deposits of three months and six months, the annual interest rate for one year is also relatively low, about 1%, while for relatively long two years, it is only close to three years, but most banks in the market offer about 3.25%.
If you want to make the annual interest rate reach 4.45%, you can either add more money to make 200,000 certificates of deposit, which is possible with a long term.
There is another way, the annual interest rate of 654.38+ 10,000 yuan may reach 4.45%, that is, put the money in those private banks. However, in the face of private banks, we need to bear much more serious consequences. Unlike other legal banks, they are not as reliable and may fail at any time.
Moreover, private banks do not exist in the form of banks, but privately pool this part of your funds for other investments. This operation is not protected by law or other aspects. It is possible that it can provide some contracts, but the contracts in it may not have legal effect.
If you deposit 654.38 million yuan in the bank with an annual interest of 4,450 yuan, I believe many people will choose this financial management method, because even if you buy stocks and funds, there are certain risks. Putting money in the bank can earn 4.45 points a year, even higher than the annual income of some funds.
Now that the epidemic is normalized, many people hope to have cash in hand at any time. If nothing else, let your heart rest at ease. After all, you don't panic if you have food in your hand.
With the development of the situation, the annual interest rate of deposits has also been lowered. It is obviously impossible for the annual income of 65,438+10,000 people to reach 4,450 yuan at this stage.
Maybe when we go to the bank to deposit money, we will hear someone say that we will deposit the money with him, where the annual interest rate is as high as 4.45%. If you encounter such a situation, you must be cautious.
Probably put the money in his bank, not to handle the deposit business for you, but to buy other wealth management products for you, such as fund insurance.
Such wealth management products did have so many benefits at that time, but after all, there were certain risks, and it was very likely that all the money was invested in the end. Not only did it not generate income, but the principal was still at a loss.
I met some private banks, ostensibly under the banner of banks, but actually as a way of financing. We don't know what he does with the money.
Sometimes what they say is beautiful, but we don't know what it is. What we may want to earn is his interest, but what he wants to earn is our principal.
Then remind friends here that investment is risky and financial management needs to be cautious.
How do you know that not many people have been saved? Generally speaking, saving money is someone else's private affair. According to the principle of voluntary deposit, free withdrawal and confidentiality for depositors, even if someone deposits, you don't know. So it is impossible to know how many people have chosen this deposit product you mentioned.
In addition, many people may not have the "65438+ million principal" you mentioned, so there is no extravagant hope of interest of 4450 yuan. Needless to say this. If there are people with more than 65438+ million deposits, it is impossible to have only a single investment channel, and it doesn't matter if there are people without these funds, even if there are high returns.
Another important reason is that the annualized interest of 4450 Yuan You may not be very cost-effective for other investors. In fact, before June this year (before the adjustment of the preferential interest rate quotation method for deposit products), the interest rates of three-year time deposit certificates and large deposit certificates of some banks have been very high, and some even reached 4.8% or even exceeded 5.0%, while the annualized income of 4,450 yuan was equivalent to the interest rate of 4.
Therefore, it is necessary to comprehensively consider various factors, especially before choosing bank deposits or financial management methods, not only to look at its high rate of return, but also to judge liquidity and safety factors, combined with your own preferences and risk tolerance. Quite simply, if others can maximize their income by more than 5%, they will naturally not consider the annualized interest of 4.45%.
Deposited in the bank is 6,543,800 yuan, with an annual interest rate of 4,450 yuan, equivalent to an annual interest rate of 4.45%. The income is quite high, and it should be a large wealth management product.
Why don't many people save such a high income? This problem can be said to be caused by many reasons.
First, not many people have 6,543,800 yuan. Many families have given birth to two children because of various expenses such as mortgage and car loan. Even if the couple's income is not low, assuming that one person's monthly income is 1 10,000, it is difficult to save 1 10,000, so it is good to maintain a normal life. Some people may object that the income of January 10000 yuan is a living, so people who earn 3000 yuan can't live? This is not a comparative question at all. Some people earn thousands of dollars a month, and their lives are very moist. Some people earn 10,000 to 20,000 yuan a month, and their lives may be very tight. This mainly depends on the size of household expenditure.
Now it can be said that there are not many people who have saved 654.38 million yuan at home. Moreover, even if some families have a deposit of 654.38 million yuan, they may spend it at any time. Therefore, this factor determines that it is not much to take 654.38+10,000 yuan to the bank to buy wealth management products.
Second, this wealth management product is not well-informed enough for many people to understand. Nowadays, because electronic payment is convenient to handle all kinds of business, few people go to banks, and all of them handle business through online banking or mobile banking. Therefore, if you are not familiar with the bank's wealth management products, you will not handle them.
Third, the income of wealth management products is not high, and people with more money are not attractive enough. These people don't care about this profit. They have 654.38 million yuan, and they usually just buy stocks or funds. Although they haven't made any money for several years, and even have been losing money, they have always believed that they will make money and they will keep speculating. You said that it is definitely not possible for these people to take 65,438+million to the bank to buy wealth management. All the money went to the stock market to make up the position.
Finally, bank wealth management products do not guarantee a certain loss, but also have risks. The above income is only an estimated income, which is generally not reached. There are many examples. Now this kind of financial management has a fixed term, such as three months or one year, and this money cannot be withdrawn. This is also the reason why many people don't like to buy.
Therefore, bank wealth management products have not been attractive for many years.
It's August, 202 1, and the interest rate of three-year large deposit certificates of banks has generally dropped below 3.5%. As far as time deposits are concerned, it is difficult to find deposits with interest rates above 4.0% offline.
If you deposit 6,543,800 yuan in the bank, the annual interest will reach 4,450 yuan, with an annual interest rate of 4.45%. The previous two years were high interest rates, and this year is incredible. On the one hand, the interest rate of bank deposits has been generally lowered, and floating rules have been set up. It is no longer feasible to use high interest rates as before. On the other hand, the storage area of private banks has also been restricted, and they can no longer absorb deposits through various online channels, and there is no high-interest publicity channel.
Private banks are small in scale and have made innovations in smart deposits before, but now smart deposits have been stopped, and deposit interest rates and deposit absorption areas have also been bound. Naturally, they won't be the ones who destroy the game. Because there are few outlets and low popularity, it is difficult to get ahead after adding restrictions.
It is precisely because of the above reasons that the interest rates of offline banks are generally lowered according to regulations, while private banks are relatively low-key, and even official website is afraid to promote high-interest products as before. In this way, even if there is an annual interest rate of 4.45%, it is difficult for ordinary people to know. Since I don't know, there are only a few people left.
At present, the income level of safe financial management has dropped to about 4%. Some banks may advertise that the interest rate of a product can reach more than 4% when middle-aged and elderly people save money, so there is a high probability that it is either insurance or wealth management products. It is worth noting that publicity is not equal to reality, and the highest income may be so high, but the greater probability is that there is no income, low income or even loss.
After years of consumer education, too many people have suffered big losses, so be wary of such products. Even if bank employees spit lotus flowers to promote insurance wealth management products, the average person will directly refuse.
I wonder which bank has such a high interest rate? Today, I went to the rural commercial bank to withdraw money. I specifically asked the lobby manager, do you have a large deposit certificate now? He said that the fixed interest rate of 50 thousand yuan one-year deposit is 2.2, and the fixed interest rate of three-year deposit is 3.5.
What bank has such a high savings rate ... Are you sure it's not a wealth management product? At present, the maximum fixed deposit interest rate of major banks for 3-5 years is about 3.8%, and it is impossible to be above 4%.
If it is a wealth management product, there are too many choices, and there is no need to use a bank to manage money. In other words, even if the fixed deposit rate of some local banks is 4.4, it is not a popular choice. Buying a stick fund or a bond fund can have a yield of more than 4-5%, with good security and high key flexibility.
If you deposit 6,543,800 yuan, the annual interest in the bank can reach 4,450 yuan, but why is no one saving?
I think there may be two reasons:
First, most mobile phones don't have 65438+ 10,000 yuan in cash. Because although the income of Chinese residents has risen, in fact, everyone does not have much spare money. After all, the current price level in China has been maintained at a high level, but the per capita annual income of residents is less than 33,000 yuan. Under such circumstances, it is actually very difficult to save 654.38 million yuan in cash.
If you don't have money in your hand, even if you know that you can get 4450 yuan interest every year by saving 65438+ 10 thousand yuan, it's useless.
Second, there are actually many investment channels to choose from in the market, some of which are even higher than bank deposits. With the development of economy, there are many investment channels in China market, such as stocks and funds. The final rate of return on investing in these things is not lower than that of bank deposits, but also more free. So when there are more choices, most people will invest their money in other channels instead of sticking to bank deposits.
What's more, the housing price in the market is still rising, and the housing problem must be solved. In this case, residents will use some money in their hands to buy a house. So if you have money, you can buy a house. How is it possible to save money?
Moreover, some time ago, the central bank issued a notice to lower the bank deposit interest rate, and the final result was that the bank deposit interest rate dropped. Now the highest deposit interest rate may not be 4.45%. In this case, fewer people are willing to choose deposits.
Obviously, this is not the deposit interest stipulated by the state, but a wealth management product launched by the bank. Wealth management products are an investment model with risks. When investing, you should sign a contract to inform the risks. Of course, be cautious about risky investments, and of course you won't save much, because you don't have to put only two dollars in for the interest of more than 2,000 yuan (bank interest of more than 2,000 yuan).