Today is December 9th, Industrial and Commercial Bank of China, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, ICBC has always ranked first in the world on the Forbes list of global banks, and is truly the "largest bank in the universe".
The big state-owned banks are well-known and safe to save money. Many depositors like to keep their money in ICBC.
Let's take a look, how much interest can be if you deposit 40,000 yuan in ICBC for a year?
If I deposit 40,000 yuan in ICBC for a year, how much interest income will I have?
1 . current
Here is a reminder to all depositors: whoever puts the money in the survival period is really a big fool. Because the interest rate of demand deposits, it is not generally low, it is the outrageously low kind.
At present, the interest rate of ICBC demand deposit is only 0.20% per annum. Put 40,000 yuan, in the survival period, one year's interest is:
40,000×0.20%=80 yuan
In the life period of 40,000 yuan, the interest for one year is only 80 yuan. This can no longer be called saving money, that is, taking your own money and working for the bank for free. Then the bank president saw that you were too stupid and a little unbearable, so he reluctantly gave you a little hard-earned money.
We often say that saving money is safe first, and this is absolutely true. However, you can't just be safe and don't want any interest at all.
Demand deposits are principal and interest guaranteed, but the interest rate is too low. In the survival period of money, this kind of "money is stupid", everyone must not do it.
2 . Call Deposits
When it comes to call deposit, most people may be relatively unfamiliar. Not to mention that I have saved it, I may not have heard of it a few times.
ICBC, there are two types of call deposits:
The interest rate is 0.90% p.a. for one-day call deposits. For each day you save, interest is settled. The interest will be settled as many times as you save it.
The interest rate for 7-day call deposits is 1.45% per annum. Every seven days you deposit, the interest will be settled. The interest will be settled as many times as you save for seven days.
Call deposits are also principal-interest guaranteed, and they are particularly flexible. Essentially, it's a special kind of fixed deposit.
Like many elderly savers, although they have money in their hands, they dare not save for a long time. If you withdraw the money early, you will lose all the interest. Moreover, older depositors only recognize banks for depositing money. In this case, you can deposit the money in the call deposit.
However, there is a threshold for the amount of call deposits, which requires a minimum deposit of 50,000 yuan.
3 . regular
For fixed deposits, it must be said that all depositors who like to keep their money in fixed deposits are down-to-earth and very pragmatic people in work and life.
Because the deposit period is very simple, there is no routine. When depositing money in a fixed period, the bank issues a fixed deposit passbook (or certificate of deposit), and what is printed on it is clear. The time, amount, interest rate, and maturity of your deposit are all clear at a glance.
If you want to keep your money in the fixed period, you only need to protect your passbook and password, and you can sit back and relax.
And some people are more "smart". They don't look down on the interest on fixed deposits, and like to buy wealth management products, speculate in funds and stocks. In addition, he often ridicules depositors who have fixed deposits. I think that only old antiques will save money for a fixed time.
But what about the result?
Many people have been tossing for many years, and in the end it turns out that they are all tossing blindly. Not to mention that not a penny was earned, the principal was still a mess.
It is no exaggeration to say that fixed deposit is the most suitable way for us ordinary people to save money.
Deposit 40,000 yuan in ICBC for one year, and you can choose to deposit it for one year.
ICBC, fixed one-year deposit, the interest rate is 1.80% per annum. Put 40,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
4万×1.80%＝720元
Although this interest rate is not very high, it is already very good under the premise of guaranteeing principal and interest.
The advantages of deposits in large state-owned banks: First, they are safe, and there is no need to worry about any worries, let alone the bankruptcy of banks. Second, there are many business outlets, all over the country. No matter where you go in the future, it is very convenient to deposit and withdraw money.
The advantage of small local commercial banks is that the interest rate is relatively high. For the same fixed year, the interest rate can reach up to 2.25%. For the same 40,000 yuan, if you save it for a fixed period of one year and pay interest for one year at the end of the term, you can get 180 yuan more than if it is stored in a large state-owned bank.
Therefore, if you have high security requirements, you can keep your money in a large state-owned bank. If you are also concerned about interest income, then you can keep your money in small local commercial banks.
4 . Other savings activities
As a veteran state-owned bank and known as the "largest bank in the universe", ICBC has a lot of money deposit activities. Aside from those that are risky, we must not touch them. There are the following two types that can be called principal and interest protection.
The first is the large-denomination certificate of deposit, which is also principal and interest guaranteed, without any risk. Even if the bank goes bankrupt and fails, as long as the amount does not exceed 500,000, it will be compensated in full.
Moreover, the interest rate on large certificates of deposit is higher than that of fixed deposits. It can also be transferred halfway, and the flexibility is better. With the same deposit amount, it is definitely more cost-effective to buy a large certificate of deposit.
However, there is a threshold for the amount of large-value certificates of deposit, which requires a minimum purchase of 200,000 yuan.
The second is savings bonds, which are also principal and interest guaranteed. Moreover, the savings treasury bonds are very close to the people, and there is almost zero threshold. You only need as little as 100 yuan to buy savings bonds.
In addition, the interest rate on savings bonds is also a little higher than that of fixed deposits. More importantly, savings bonds can be withdrawn in advance, and interest can be calculated on the file. With this one advantage, you can make a fixed deposit.
However, the maturity of savings bonds is relatively long, with a minimum period of three years. If you only save 40,000 yuan for one year, you won't be able to buy savings bonds.
summary
Industrial and Commercial Bank of China, as a veteran state-owned bank, has strong strength. The biggest advantage of keeping money in ICBC is that you never have to worry that the bank will go bankrupt.
Moreover, ICBC's business outlets are also all over the country. No matter where you go, it is very convenient to deposit and withdraw money.
We ordinary people, it is a very good choice to deposit money in ICBC.