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How much is the annual interest of 500,000 deposit banks?
1, certificate of deposit, deposit of 500,000 yuan is a certificate of deposit, and the deposit interest rates of different banks are different. Taking the behavior of rural commercial banks as an example, the interest rate of 500,000 1 year certificates of deposit is 2.28%, so the annual interest income is 500,000× 2.28% = 2,280 yuan;
2. Bank wealth management, the risks and benefits of bank wealth management products are limited, and the average expected rate of return is around 5%, so the expected rate of return of 500,000 bank wealth management products is around 50,000;
3. Buying funds or stocks is a non-guaranteed floating income product, and it is impossible to accurately predict the income.
Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.
Financial management method
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank investment
The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.
2. Financial management of securities companies
Securities financing generally includes securities income certificates, asset management products and so on.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
range
Making money-income
1. Lifelong income includes work income generated by personal resources and financial income generated by monetary resources; Work income depends on people to make money, and wealth management income is to make money.
2. Financial income: including interest income, rental income, dividends, capital gains, etc.
money outlay
Lifelong expenses include the living expenses of individuals and families from birth to death, as well as the financial expenses arising from investment and application for credit. Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses. Including: living expenses: including family expenses such as food, clothing, housing, entertainment and medical care. Financial expenses: including loan interest expenses, guarantee insurance expenses, investment formalities expenses, etc.
Save money-assets
When the current income exceeds the expenditure, there will be savings, and the savings accumulated in each period are assets, that is, the principal that can help you roll money and generate investment income. In old age, when people's resources can't continue to work to generate income, they must rely on monetary resources to generate financial income or realize assets to meet the needs of the elderly. Including:
1. Emergency reserve: keep a sum of cash in case of unemployment or emergency.
2. Investment: portfolio of investment tools that can be used to generate wealth management income.
3. Purchase of real estate: purchase of self-occupied houses, self-occupied cars and other assets that provide use value.
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