I want to save 30,000 yuan on a regular basis, how to save 40

Fixed deposits, subject to funds and time permitting.

5 years p.a.

At the top, this deposit method is the most cost-effective. A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

Generally, if you want a high interest rate, it is recommended that you directly save for a three-year fixed period. Interest on 3-year deposit: 30,000 yuan for 3 years, according to the benchmark interest rate of 3-year fixed deposit.

Calculation, the calculation formula is: interest = principal * annual interest rate * deposit period. The interest of 30,000 yuan for a three-year fixed deposit is: 30,000 * yuan. The interest on fixed deposits is calculated from the date of deposit to the day before withdrawal.

In fact, if it is the most cost-effective time deposit to save for a few years, the most important thing is that we need to see whether the investor has a capital need in the short term. If not, then it is obviously more cost-effective to have a longer term term, after all, the longer you save, the higher the interest rate, and the more interest you will have. Therefore, you need to choose according to the financial situation.

When we deposit our money in the bank, the first consideration is, of course, the safety of the deposit. At present, there are six major banks in China, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications and Postal Savings Bank of China.

Thanks to the six major state-owned banks.

It has a large total assets.

Strong strength and strong profitability, therefore, high security, so when choosing a depository institution, you can give priority to choosing among the six major banks.

I suggest that you save money from January to March, because this period is the peak season for deposits, and each bank has preferential policies for deposit periods, such as some banks will raise interest rates, some banks have cashback, and some banks have gifts. The policies of each bank in each place are different, so you need to go to the local area for consultation.

In real life, we will encounter a variety of situations, so we need to prepare a certain amount of liquid funds, and we cannot deposit all the funds for a longer period and a higher interest rate, otherwise the possible losses may be greater. Therefore, I suggest that you can divide your fixed deposit into several deposits, and increase liquidity while maintaining the principal.

There are treasury bonds to sell on the 10th of next month, you might as well buy some currency first**, and then go to grab the treasury bonds, the five-year period should have about interest, pay interest once a year, the risk is lower than the fixed deposit, and the income is higher than the fixed deposit.

No. The longer the fixed deposit period, the more interest. That is, the five-year period is much higher than the one-year period.

Keep your money in the bank? The interest is too small, and now the bank is in a difficult position to fund, so I recommend investing.

Generally, if you want a high interest rate, it is recommended that you directly save for a three-year fixed period.

Try the short-term if you can; Financial.

Summary. Hello dear! Interest = Principal * Annual Interest Rate * Deposit Term, taking Bank of China as an example, fixed deposits are divided into:

Lump sum deposit and lump sum withdrawal, lump sum deposit and zero withdrawal, principal deposit and interest. The one-year deposit interest rate of Bank of China is, and the interest rate of 30,000 lump sum deposits and one-year withdrawal is: 30,000*yuan.

The one-year interest rate of Bank of China's one-year deposit is, and the one-year interest rate of 30,000 yuan is: 30,000 * yuan.

Hello dear! Interest = principal * annual interest rate * deposit term, taking Bank of China as an example, fixed deposits are divided into: lump sum deposit and lump sum withdrawal, lump sum deposit and zero withdrawal, and principal deposit and interest withdrawal.

The interest rate of the lump sum deposit and withdrawal of the whole deposit of the Bank of China is 30,000 yuan for one year, and the interest rate of the whole deposit and withdrawal of the whole deposit for one year is: 30,000 * yuan. The one-year interest rate of the Bank of China's one-year deposit is, and the interest rate of the three-thousand-dollar deposit is the one-year interest rate

30,000*.

Hello dear! Taking the Industrial and Commercial Bank of China as an example, according to the latest deposit interest rate table in 2021, the interest rate of the one-year Dongdan period of one-year deposit in the lump sum deposit method is; The annual interest rate of one-year deposit is as follows:

Summary. Hello dear! I am glad to answer for you, 30,000 deposit fixed one-year interest:

1. Current deposit: The deposit interest rate of demand deposit is 30,000 yuan, and the interest of the deposit period is 30,000 yuan. 2. Lump sum deposit and lump sum withdrawal (fixed deposit):

If the interest rate of the one-year deposit is 30,000 yuan, the interest of the deposit period of one year is 30,000*. 3. Lump sum deposit, lump sum deposit, principal and interest (time deposit): the one-year deposit interest rate is 30,000 yuan, and the interest of the one-year deposit period is 30,000 yuan*.

4. Fixed and fixed two pence (fixed deposit): 6% discount at the interest rate of the same grade for fixed deposit and lump sum within one year.

Hello dear! I'm glad to answer for you, 30,000 deposits for one year interest: 1. Current bandwidth deposits:

The deposit interest rate of demand deposit is 30,000 yuan, and the deposit term is 30,000 yuan*. 2. Lump sum deposit and withdrawal (time deposit) next to travel: the one-year deposit interest rate is 30,000 yuan, and the interest of the deposit period is 30,000 yuan.

3. Fractional deposit, lump sum deposit, principal and interest (fixed opening rubber deposit): the one-year deposit interest rate is 30,000 yuan, and the interest of the deposit period is 30,000 yuan. 4. Fixed deposit (fixed deposit).

6% discount at the same grade interest rate for regular deposits within one year.

Large-denomination certificates of deposit are bank deposit products, so investors need to purchase them through bank channels in Gaozhou Retail Bank. Most banks already support the processing of large certificates of deposit (CDs) at the counter, mobile banking and online banking. Taking China Construction Bank as an example, the purchase path of mobile banking is as follows:

Log in to China Construction Bank - Investment & Wealth Management - All Investments - Deposit Products - Large Certificates of Deposit. However, there are also some banks that require you to sign at the counter for the first time. For bank counter processing, you only need to bring your personal SFZ to the outlet, and the staff of the branch will guide Qi to handle it.

Summary. Demand deposit is a service that allows you to deposit and withdraw cash at any time during the bank's business hours through the counter or through the bank's self-service kiosk with a bank card or passbook and a reserved password. Bank card demand means to deposit at any time, withdraw at any time, according to the current interest rate to pay interest deposits, general deposits refer to demand deposits, the advantage of demand deposits is more flexible and demand deposits are relative to dead deposits, relative to current deposits, dead deposit interest is higher, but the withdrawal time has certain restrictions, not as flexible as demand deposits.

Bank deposit demand means that bank users can access and transfer their property at any time without any notice to the bank. Corresponding to the bank deposit demand is the bank deposit time, which means that within the specified time, the assets that have been deposited in the bank cannot be withdrawn and transferred at will, and if there is a need to withdraw the bank, the bank needs to be informed in advance. The interest rate on demand deposits is lower than that on time deposits, but the liquidity of term cash is weaker than that of demand deposits.

I have 30,000 yuan, how much money can I have in the bank for a day?

Hello dear! We'll be happy to answer for you; Because the current interest rate is, that is, the current interest of 10,000 yuan a year is 35 yuan, the interest of 30,000 yuan a year is 3 35 = 105 yuan, and the interest of a day is 105 yuan 365 = yuan, and the above is the calculation method of 30,000 yuan a day demand interest and a day of interest.

Demand deposit is a service that allows you to deposit and withdraw cash at any time during the bank's business hours with a bank card or passbook and a reserved password. Bank card demand means to deposit at any time, withdraw at any time, according to the current interest rate to pay interest deposits, general deposits refer to demand deposits, the advantage of demand deposits is more flexible and demand deposits are relative to dead deposits, relative to current deposits, dead deposit interest is higher, but the withdrawal time has certain restrictions, not as flexible as demand deposits. Bank deposit demand means that bank users can access and transfer their property at any time without any notice to the bank.

Corresponding to the bank deposit demand is the bank deposit time, which means that within the specified time, the assets that have been deposited in the bank cannot be withdrawn and transferred at will, and if there is a need to withdraw the bank, the bank needs to be informed in advance. The interest rate on demand deposits is lower than that on fixed deposits, but the liquidity of fixed cash is weaker than that of current deposits.