Today is August 31, China Construction Bank, As one of the six major state-owned banks, it has strong strength and business outlets all over the country. Moreover, China Construction Bank ranks second in the world on the Forbes list of global banks, second only to "the largest bank in the world".
As an established state-owned bank, it has high reputation and strong comprehensive strength. Many depositors like to deposit their money in China Construction Bank.
Let’s take a look. If you deposit 40,000 yuan in China Construction Bank for two years, how much interest will you get?
If you deposit 40,000 yuan in China Construction Bank for two years, how much interest income will you get?
1. Current account
China Construction Bank, the interest rate on demand deposits is 0.20% annually. Ten thousand yuan, during the survival period, the interest for one year is only 20 yuan.
For 40,000 yuan, the interest for one year during the survival period is:
40,000 × 0.20% = 80 yuan
The interest for one year is 80 yuan, and the total interest for two years is 160 yuan. If you save 40,000 yuan for two years, the interest will be only 160 yuan. This is no longer saving money, but working for the bank in vain.
Keeping money alive is the stupidest behavior.
However, this kind of thing is often done. For example, when I work in a bank, I often see some customers who have hundreds of thousands of dollars in their bank card current balance. Moreover, once it is put away, it will not be used for a year and a half.
People who saw this shook their heads. Even if you deposit regularly, you will earn thousands of dollars in interest in half a year. If you put it in a current account, the interest will be almost negligible.
Everyone should take this as a warning and see if you are doing such stupid things. Keeping money in a current deposit is really a sign of "being willful if you have money" and "being stupid if you have money."
2. Regularly
If you save 40,000 yuan for two years, you can put it in a time deposit. Although the regular interest rate is not high, it is very safe. Fixed deposits guarantee guaranteed principal and interest, and guarantee income during droughts and floods. Moreover, if you keep your money in China Construction Bank, you don't have to worry about bank bankruptcy.
China Construction Bank, one-year fixed term, interest rate is 1.90% annualized. If you save 40,000 yuan for construction for one year, the interest after one year of maturity is:
40,000 × 1.90% = 760 yuan
The interest for one year is 760 yuan, and the total interest for two years is 1,520 yuan.
However, this data is only a theoretical calculation. Because interest rates on bank deposits are falling every year. If you really transfer 40,000 yuan year by year, the total interest in two years will most likely be less than 1,520 yuan.
China Construction Bank, two-year fixed term, interest rate is 2.30% annualized. If you deposit 40,000 yuan for two years, the maturity interest will be:
40,000 × 2.30% × 2 = 1,840 yuan
The biggest advantage of saving for two years at a time is that you don’t have to worry about changes in interest rates. If you save now, the interest rate is 2.30%. No matter how the bank interest rate drops later, even if it drops to zero, you will still get 1,840 yuan in interest at maturity, which will not be a penny less.
Therefore, if you want to deposit regularly and can guarantee that the money will not be used for two years, then you must deposit regularly for two years at once. You will get more interest than transferring deposits year by year. More, more cost-effective.
3. Financial products
I suggest that if you have money, keep it in large state-owned banks
Many people like to keep their money in small local businesses Inside the bank. The reason is that the interest rate is relatively high and you can get more interest.
This approach is actually correct and very reasonable.
However, I personally recommend depositing your money in major state-owned banks. As for the reasons, there are the following points. You can take a look to see if they make sense.
First of all, large state-owned banks don’t have to worry about bankruptcies. As for small local commercial banks, theoretically, there is still the possibility of bankruptcy.
Some people may say that you are not afraid of bankruptcy. As long as the deposit amount does not exceed 500,000, the bank will compensate you in full.
This is true.
But have you thought about a question? If the bank where you deposit money really goes bankrupt, I would like to ask you if you panic? Are you afraid of taking pictures?
Even if you know that the bank will compensate you for all your deposits in the end, you will still worry for a long time. Moreover, you have no idea how long it will take for the compensation to be paid. Will there be any accidents along the way? You don't know either.
As long as the compensation does not arrive in your account within a day, you will definitely be on tenterhooks.
Secondly, many people save money and are not worried about bank bankruptcy. After all, this probability is too low. Since the founding of our country, up to today, no more than five banks have gone bankrupt.
Many people worry that one day the money they have saved will suddenly disappear.
A large state-owned bank has very strict rules and regulations and strict management of employees. Even if there are several layers of employees with slippery minds, it is difficult to make mistakes.
Some small banks tend to have lax management and are prone to loopholes.
In addition, if you deposit your money in a major state-owned bank, even if there is a slight dispute, the bank will take it seriously and find a way to solve the problem as soon as possible. For small banks, there may be a situation where today is postponed to tomorrow, and tomorrow is postponed to the day after tomorrow.
For us ordinary people, the most important thing when saving money is safety. Put your money in China Construction Bank, as long as you don't buy risky financial products. Then your savings are guaranteed to be harvested regardless of drought or flood, and are foolproof.
In addition, China Construction Bank has business outlets all over the country. No matter where you go, depositing and withdrawing money is very convenient. Depositing money in China Construction Bank is a very good choice.
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