What is the annual rate of return of 6 of the bank s 50,000 wealth management products? How much mo

That's right, it's 3,000 interest, 10,000 principal six percent interest, that's 600 yuan, 50,000 is 3,000 thousand yuan, this interest is still very high, and you have to consult the bank whether there is a management fee or something, and there is an expected return, this year the bank has defaulted a lot, said to be 6 percent, but then only 3 percent of the fixed deposit, I hope to help you!

Income calculation formula: (principal * daily rate of return) * financial management period Interest calculation basis, i.e.: (50,000 * interest rate.)

With the addition of the principal, you can get 53,000 yuan after a year.

Six percent is one hundred yuan and six yuan, and 500 yuan income is 5x6 = 30 yuan, so what about 500 yuan? Do the math yourself. The brain will be bad if you don't use it.

If it is a one-year term, the interest is about 3,000 yuan, and the total principal and interest are about 53,000 yuan.

At the end of the year, many banks launched wealth management products, which seem to have high returns, there are too many questions, many banks belong to the ** business, and the income is unstable, this is what I saw on Tencent Finance last week.

Dear friends: Now the bank does a lot of things, wealth management products, refers to insurance or **? It also depends on whether it is simple interest or compound interest? It's not good to give a general answer, so it's good to be detailed. Complete!

After many investors have a deposit, they will consider wealth management to achieve asset appreciation. The choice of wealth management products is, in addition to product risks, investors are most concerned about the expected return of wealth management. So what is the expected income of 50,000 wealth management in a year?

Let's take a look at how to calculate the expected return of financial management.

1. Bank wealth management

The formula for calculating the expected return of bank wealth management products is: expected return = principal * expected rate of return * product term 365. For example, if the expected rate of return of a bank's wealth management product is 5% and the investment period is 1 year, then the expected expected return that can be obtained after purchasing 50,000 yuan of the wealth management product for one year = 50,000 * 5% * 365 365 = 2,500 yuan.

It should be noted that for bank wealth management products with expected expected returns, the expected expected rate of return refers to the expected annualized expected rate of return, and in fact, the investment period of many products is less than one year.

Most of the bank's wealth management products have also begun to transform to the net value type, that is, the actual expected income of the product is reflected by the rise and fall of the net value of the product unit, and the bank does not promise the expected expected rate of return, nor will it pay the full compensation, let alone guarantee the capital, which means that the product is borne by the investor regardless of profit or loss.

Considering that investors' tolerance for investment risk is generally low, the risk level of bank net-worth wealth management products is not high, so there is no need to worry too much.

2. Treasury bonds

Treasury bonds are bonds issued by the Ministry of Finance of the country, but they are generally underwritten through commercial banks. Treasury bonds are a safer way to manage money than bank finance, and ordinary investors generally buy savings treasury bonds.

The issuance of the first tranche of savings bonds in 2020 will be issued on March 10, but the interest rate of government bonds has not yet been announced. According to the interest rate of the previous savings treasury bond, the 3-year interest rate is 4%, and according to this calculation, the expected expected return of 50,000 yuan of 3-year treasury bond for one year is about 2,000 yuan.

If it is 5% interest, the principal in the first year is 50,000, and the interest after the year is 50,000 * 5% = 2,500, if this part of the interest will be included in the principal of the second year, that is, compound interest is calculated Then the principal in the second year will become 52,500, and the interest will be 52,500 * 5% = 2,625, then your total income will be 52,500 + 2,625 = 55,125 yuan. If the interest calculation is not compound interest, but the interest will be automatically returned to your account after the expiration of one year, it is equivalent to the principal of the second year is still 50,000, so the interest is still 2,500, so the total income for two years is 50,000 + 2,500 + 2,500 = 55,000 yuan.

It depends on how you buy your wealth management products? If 50,000 yuan is 5% for a year, it should be 52,500 at the end of the year, and whether you invest the 50,000 yuan for two years at once, or automatically transfer the income to the second year after the first year is over.

The one-year income is 50,000 * 5% = 2,500 yuan, then the two-year income is 2,500 * 2 = 5,000 yuan, I hope it can help you.

The monthly income is 250 yuan.

According to the title, the principal of wealth management = 5,000 yuan, the interest of five percent of wealth management, that is, the interest rate = 5%, according to the formula, income = principal * interest rate.

Substituting the data in the question, the column formula can be obtained:

Income = 5000 * 5% = 250 (yuan).

For novice financial investors, the most concerned thing is how much return they can get for investing their money. But you may not know that wealth management products.

There are all kinds of variety, and the rate of return is not the same, if you want to calculate how much interest is 50,000 a year in the absence of a good financial product, so that a mathematician will not calculate, so we also have to analyze the specific product.

According to the risk, it can be divided into low-risk, medium-risk, and high-risk financial management.

Low-risk wealth management products are currency** and treasury bond reverse repo.

And so on, the average annualized rate of return.

It's about 3%;

Medium-risk wealth management products are about the best, and the annualized rate of return of these convertible bonds can reach 15%;

High-risk financial products are **, foreign exchange, **, such as those with an annualized rate of return of more than 30%, which is not a big problem.

But,It is important to note that the higher the rate of return, the greater the risk

1. How much interest is a low-risk financial product of 50,000 yuan a year?

If calculated at an annualized rate of return of 3%, the interest of 50,000 yuan for 1 year is 50,000x3%=1,500. Therefore, the interest of 50,000 yuan in a low-risk wealth management product for 1 year is 1,500 yuan.

2. How much interest is 50,000 yuan a year for medium-risk wealth management products?

If calculated at an annualized rate of return of 15%, the interest of 50,000 yuan for 1 year is 50,000 x 15% = 7,500, so the interest for 1 year here for medium risk is 7,500 yuan.

3. How much interest is 50,000 yuan a year for medium-risk wealth management products?

Assuming that the annualized rate of return is 30%, then it is 50,000 x 30% = 15,000, then the interest of high-risk wealth management products for 1 year is 15,000 yuan.

Through calculation, the difference in the returns of wealth management products with different risks is clear at a glance. But as I said earlier, the higher the return, the greater the risk, so we are investing in financial management.

When you are sure to choose the risk you can afford to manage your finances.

The 5,000 yuan wealth management deposit rate is 6%, and the income can be 25 yuan in a month.

5,000 * yuan, 5,000 yuan principal for one year to get interest 300 yuan. 300 divided by 12 equals $25 per month.

At present, the bank deposit interest rate is in a downward channel, and the 6% deposit interest rate is certainly impossible to honor filial piety.

5,000 yuan is quietly deposited into the wealth management product with an interest rate of 6% in Mingzao, and the income in January is: Exciting luck.

Earnings = Deposit amount x APR 12

Earnings = 5000 x 12

Earnings = 25 RMB (approx. RMB).

The 5 cents interest rate is 5% per month. Take 10,000 yuan as an example, calculated according to 5 cents, borrow for a month to pay interest: 10,000 5% = yuan) Note:

This interest rate is too high and belongs to usury. According to the laws and regulations of the country, the part that exceeds the bank's loan interest rate for the same period by 4 times will not be protected by the liquid demolition law. According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

The interest rate of five cents is the interest rate = 5%, taking the principal of 10,000 yuan as an example, the interest is 500 yuan.

The annual interest rate is generally expressed in % (percent), and the monthly interest rate is generally expressed in (thousandths); The daily interest rate is expressed in a few ten-thousandths of the principal, which is usually called a few cents per cent.

If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest is yuan. (1% = yuan, one milli = yuan) then the interest rate of five cents is the interest rate = 5%.

Take the principal of 10,000 yuan as an example, according to the formula: interest = principal * interest rate.

The column formula can be obtained: interest = 10000 * 5% = 500 (yuan) Extended information: the conversion formula of daily interest rate and annual interest rate and monthly interest rate:

Daily interest rate (0 000) = annual interest rate (0 0) 360;

Monthly interest rate (0 00) = annual interest rate (0 0) 12.

Monthly interest rate = daily interest rate 30

Annual interest rate = monthly interest rate 12

Interest = Interest Accumulation Daily Interest Rate.

Formula. Formula 1: Daily interest rate = daily interest Deposit (loan) amount x 100% Formula 2: Daily interest rate = monthly interest rate 30

Formula 3: Daily Interest Rate = Annual Interest Rate 360

The amount of interest depends on three factors: the principal, the tenor, and the level of the interest rate.

The formula for calculating interest is: interest = principal x interest rate x deposit term.

According to the provisions of the State Administration of Taxation Guo Shui Han No. 2008 No. 826, the individual income tax on the interest income of savings deposits has been temporarily exempted since October 9, 2008, so the interest tax on savings deposits is temporarily exempted.

The rate of return on bank wealth management is generally simple interest and the "expected annualized rate of return". Actual return = principal * annualized rate of return 365 days * actual number of days of the product.

For example, the current product "Sanxiang Bank Demand", the income can be withdrawn in advance, deposited and withdrawn at any time, with interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no transaction day limit, no limit limit; For example, the fixed-term bank wealth management product "Revitalization of Smart Deposit" has an annualized rate of return of about it, which is suitable for stable and above investors.

The return of wealth management products refers to the annualized return, that is, the interest rate assumed that the deposit has been completed for one year.

One month income 10,000 * 5% * 30 365 = yuan one year income 10,000 * 5% = 500 yuan.

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5% is the annualized rate of return to be divided by 3 months of wealth management products 365 days a year, 5% * 3 12=

The rate of return you are talking about should be an annualized rate of return. The so-called annualized rate of return is the return of one year. Assuming an annualized rate of return of 5%, then a year's income of 10,000 yuan is 500 yuan.

The algorithm for a month is to divide 500 by 365, which is the daily income, and then multiplied by a month, 30 days is a month's income.

10,000 yuan a year is 500 yuan, and the average monthly income is more than 40 yuan.

The principal is 10,000 years, and the annual income is 5%, and the term is 30 days for one month, and the term for one year is 365 days.

10,000 x 5% = 500 This is a year's income That is, 10,000 do 5% of the money you get in a year500 365= is a daily income.

It's your month's earnings.

5% of the bank's wealth management products is definitely less than 500 a month