A one time deposit of 1 million yuan, calculated at an annual compound interest rate of 5, how much

Annual compounding. After 5 years, the total number of 100 (1+5%) to the fifth power is 100

10,000 1276282 yuan.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital.

This includes interest on deposits, loans, and interest on various bonds.

in the capitalist system.

The source of interest is the surplus value created by the wage labourers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

The annual interest rate refers to the interest rate on deposits for one year.

The so-called interest rate, yes"Interest rate.

The abbreviation refers to the ratio of the interest amount to the principal of the deposit or loan over a certain period of time.

There are usually three types of interest rates: annual interest rate, monthly interest rate, and daily interest rate.

The annual interest rate is expressed as a percentage of the principal, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths.

When the economy is in the growth phase, there are more opportunities for banks to invest, the demand for loanable funds increases, and interest rates rise;

On the contrary, when the economy is sluggish and the society is in a period of depression, the willingness of banks to invest decreases, and the demand for loanable funds naturally decreases, and the market interest rate is generally low.

In general, when the central bank.

When the money supply is expanded, the total supply of loanable funds will increase, the supply will exceed demand, and the natural interest rate will fall accordingly.

Conversely, the central bank pursues a tight monetary policy.

As the money supply decreases, the supply of loanable funds exceeds the demand, and interest rates rise accordingly.

The market interest rate is the real interest rate and the inflation rate.

The sum of the same. When the ** level rises, the market interest rate also rises accordingly, otherwise the real interest rate may be negative.

At the same time, due to the rise in **, the public's willingness to deposit will decline and the loan demand of industrial and commercial enterprises will rise, and the imbalance between deposits and loans caused by the demand for loans greater than the supply of loans will inevitably lead to an increase in interest rates.

If the market is in an upward period, the market interest rate will rise; Conversely, interest rates are also relatively lower.

If the annual compound interest is 5 years later, the total with interest is 100 (1+5%).

Ten thousand. 1276282 yuan.

It can be very clear that you have a deposit of 1 million yuan for 5 years. According to the annual interest rate of 5%, the calculated interest should be 250,000 yuan. The principal plus interest should be $1.25 million.

If the annual interest rate is 5%, the formula for calculating the principal and interest of compound interest is: f=p(1+i) n;

Maturity after 5 years: that is, 1 million * (1 + 5%) 5 = yuan.

This question can be very complicated, or it can be very simple, and the complex algorithm is complicated in the selection of interest rates, because the interest rate when you save money may be different every month. One is that interest rates will change, not every month, but they will change many times in five years. Second, the further back you go, the shorter the time to save money, and the length of time you save money will also affect the level of interest rates.

The simple algorithm is to choose a constant interest rate, so that this is also a junior high school level math problem, the algorithm is very simple, let's solve it step by step.

The first step is to calculate the monthly deposit interest rate. According to the current deposit rate, choose a selected interest rate, the three-year fixed deposit rate. Then the monthly deposit rate is equal to:

The second step, column calculation, save 1000 yuan per month, then the first month of 1000 yuan, to the fifth year of the principal plus interest is equal to 1000 * (1 + to the 60th power, the second month of 1000, the sum of principal and interest is equal to 1000 * (1 + to the 59th power, and so on, until the last month's 1000, it is a little troublesome to calculate, but the principle is relatively simple, and the final sum of principal and interest is yuan.

It can be seen that the income is still very considerable, this deposit method is more troublesome, but I think it is a very good way to manage money and lifestyle, especially suitable for salaried people with low risk tolerance, this monthly deposit of 1000 yuan, the pressure is not great, after the formation of habits, it will not feel very troublesome, but every month to deposit money in the bank will be a sense of achievement, and can strengthen the vision of the future.

At the same time, there will be a good restraint effect on their daily impulse consumption, and when they consume impulsively, they will think about whether they can deposit 1,000 yuan according to the plan this month, if not, then don't buy it, isn't this killing two birds with one stone.

The formula for calculating the interest on a lump sum deposit is: interest = monthly deposit amount, accumulated monthly accumulation, monthly interest rate.

Cumulative monthly accumulation = (number of deposits + 1) 2 number of deposits. Based on this, the cumulative monthly accumulation for a one-year period is estimated to be.

12+1) 2 12=78, and so on, the cumulative monthly accumulation of the three-year and five-year periods is 666 and 1830 respectively. Interest = 1000 (1830) (RMB.

The interest rate of each bank is actually different, so your compound interest should be calculated according to the bank you deposit.

It should be calculated according to the amount of money you deposit, and according to the method you choose.

Deposit 1,000 yuan a month, save for 5 years, compound interest is for example, 100 yuan deposit, get 10 yuan interest, then now there is 110 yuan, with 110 yuan to regenerate interest, get 20 yuan interest, now there is 130 yuan. It is to use interest as the principal and so on.

The deposit interest rate is the standard for calculating the interest on the deposit. It refers to the ratio of the amount of interest to the amount of deposit in a certain period, also known as the deposit interest rate. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks.

China's deposit interest rate is determined by the state in a planned manner on the basis of objective economic conditions, currency circulation, supply and demand of materials in the market, and taking into account the interests of all parties.

When the People's Bank of China announced the interest rate cut, it made it clear that it would no longer set a cap on the deposit interest rate for commercial banks and rural cooperative financial institutions. The unit of deposit interest rate is annual interest rate, monthly interest rate, and daily interest rate (also known as annual interest rate, monthly interest rate, and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a few thousandths of the principal; The daily interest rate is expressed as a few ten-thousandths of the principal.

In China, it is customary to call interest rates a few cents.

Lump sum deposit and lump sum withdrawal time deposit introduction:

1. Lump sum deposit is a kind of fixed deposit that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest at maturity;

2. RMB lump sum fixed deposit is 50 yuan, and the deposit period is divided into three months, six months, one year, two years, three years and five years;

3. Higher interest rate: the interest rate of time deposit is higher than that of demand deposit, and the longer the deposit period of time deposit, the higher the interest rate;

4. Convenient rollover: The Bank provides agreed rollover and automatic rollover services for lump sum deposit and lump sum fixed deposit, and there is no limit on the number of rollovers for agreed rollover and automatic rollover. If you agree to roll over the deposit at maturity when you open an account, the time deposit will be automatically rolled over at the same grade and tenor along with the principal and interest after maturity.

The automatic rollover service does not need to be agreed, and after the maturity of the time deposit, it will be automatically redeposited together with the principal and interest of the time deposit of the same grade and tenor;

5. Early withdrawal: The whole deposit and withdrawal (including after the transfer) can be partially withdrawn many times (up to 5 times). After part of the early withdrawal, the remaining part of the funds shall not be less than 50 yuan, and the remaining part of the funds shall be regenerated according to the account opening outlets, and the value date shall be the original value date.

After 20 years, the formula of the final value of the annuity at the beginning of the period is directly applied, as follows, the sum of principal and interest in 20 years = 6000 * (1 + 5 100) * (1 + 5 100) 20-1) (5 100) = yuan.

Note: 20 is to the 20th power.

Beware of this kind of interest**, meat buns beat dogs, there is no return, now the credibility of the society is too poor, all the oaths and guarantees, are like the wind blowing, don't be fooled.

Interest on deposits is calculated on an annual basis. If 3000 per year; 20 years later, the sum of profit is:

82050 yuan.

If you deposit 1000, the interest is 60 yuan for 1 year, and if you save for a month, it is 5 yuan, 10 yuan for two months, and so on.

Well, would you like to ask you just doing the math or is someone telling you that this product is like this? If the salesman tells you that the product is like this, I can tell you that you are 100% fooled. This benefit is not possible when it is not possible.

Insurance companies in mainland China are under the unified management of the China Insurance Regulatory Commission, and the annualized compound interest of the income stated in the policy will not exceed. If the dividend cannot be determined, the low, medium and high grades on the plan can only be used as a reference. Most of the company's dividends are around the mid-range of the presentation.

In addition, the annual interest rate of 12% is definitely misleading, and it may be due to the following situations:

1.12% of the sum insured will be returned annually You need to note that the sum insured is not equal to the money you paid, and the 12% is calculated based on the sum assured and not on the money you paid. In this case, it may be that you have misunderstood or that the business has not been told.

2.9% p.a., 3% per annum for interest-bearing accounts, adding up to 12% p.a. If that's the case, it's pure foolishness. Not only did they not make it clear that the sum insured was different from the premium, but they also added the cumulative interest-bearing interest rate one-sidedly.

In addition, I have seen the insurance plans of Hong Kong AIA, and it is impossible to reach such a high level. If it is really an annualized compound interest of 12%, 10,000 per year, 10 years, 20 years should be 10,000, the dividend is 500 per year, and the cumulative interest rate of 3% is 13435 for 20 years

Not to mention insurance, at present, there is no capital-guaranteed investment in China that can reach this figure.

Even when there was no participating insurance, the insurance products in the era of high interest rates did not exceed 10% annual compound interest, not to mention the relevant regulations of the Insurance Regulatory Commission.

According to the number of annual compounding times, the sum of principal and interest after 10 years is yuan.

If you save on an annual basis, you can only accrue interest on an annual basis

Sum of capital and interest = 50000*15+50000*

855,000 yuan.

A total of 60,000 yuan. The profit of 10,000 yuan a year is 1,000 * equal to 500, and the speed ruler is 50,000 yuan in 100 years, so Brother Zao has a total of 60,000 yuan.

The formula for calculating the interest on the lump sum deposit is: interest rate = monthly deposit amount Cumulative monthly accumulation monthly interest rate.

Cumulative monthly accumulation = (number of deposits + 1) 2 number of deposits. Based on this, the cumulative monthly accumulation of the one-year period is estimated to be.

12+1) 2 12=78, and so on, the cumulative monthly product of the three-year and five-year periods is 666 and 1830, respectively. Interest = 1000 (1830) (RMB.

Because the loss of interest = principal interest rate time is noisy, so the principal and interest are the principal + 5 4% principal = 100, which can be solved with the principal = 10,000 yuan.

This trillion mu should be divided into situations.

1) Simple interest case: x(1+5*4%)=100, solve the equation.

2) Compound interest: x (1 + 4%) 4 power closed excavation = 100 or x * (f p, 4%, 5) = 100 check the final value coefficient table of the complex family.

According to the calculation of simple interest in the burial, the annual interest is 100*15%=15 yuan.

According to the compound interest calculation, the principal and interest after 5 years are:

100*(1+15%) 5=201 yuan, the interest is 101 yuan, and the average annual interest is almost 20 yuan.