去银行存款,如何获得利息最大化呢?

来源:互联网 阅读:0 发布:2019-09-10 14:27:03

之江凤凰KENENGYOURENSHUO,YINXINGCUNKUANLILVTAIDILE,QUYINXINGCUNKUANTINGBUHUASUAN,YEJIBENWUFASHIXIANCAIFUDEBAOZHIZENGZHIMUDE。

去银行存款,如何获得利息最大化呢?

之江凤凰DANBUDEBUSHUO,ZAIDANGQIANSHICHANGSHANGGEZHONGLICAICHANPINLINLANGMANMUDEQINGKUANGXIA,RENGYOUXIANGDANGYIBUFENRENHUIBIJIAOPAICHINAPAZHIYOUYIDIANFENGXIANDETOUZIPINZHONG,ERXUANZEYINXINGCUNKUANDEFANGSHILICAI。ZHEISHIHOU,RUHECUNKUANCAINENGQUDEGERENLIYIZUIDAHUA,JIUCHENGWEIRENMENGENGJIAGUANZHUDEWENTI。

QISHI,CUNKUANLIXISHIXIANZUIDAHUADETUJING,ZHUYAOHAISHIKANXUANZESHENMEXINGZHIDEYINXING?CIWAI,HAISHOUDAOCUNKUANQIXIANJIFANGSHIDENGYINSUDEYINGXIANG。BIRUSHUO,MINYINGYINXINGDEDINGQICUNKUANLILVJIUGAOYUGUOYOULIUDAXINGDESHUIPING,XIANGYILIANYINXING5NIANQIDINGQICUNKUANLILVDA5.3%,ERGUOYOUDAXINGSHANGYEYINXINGDETONGQICUNKUANLILVZHIYOU2.75%。

之江凤凰DANWOJINTIANYAOJIDAJIASHUODESHI,ZENYANGJIANGTONGYIBIQIANCUNRUTONGYIJIAYINXINGHAINENGSHIXIANLIXIZUIDAHUA?

方法一:阶梯存钱法

BIRUSHUO,JIANG5WANYUANCUNRUYINXING,ZENMECUNCAINENGGENGHAO?KENENGYOURENRENWEICUNYIZHANGDINGQICUNDANSHIZUIHAODE,QISHIZHENBUSHI。

ZUIHAODECUNFASHIBA5WANYUANFENKAILAICUN,PINGFENCHENGWUDENGFENYIHOU,MEIFENDEYIWANYUANFENBIEANZHAOYINIAN、ERNIAN、SANNIAN、SINIAN、WUNIANCUNWUZHANGDINGQICUNDAN。WEISHENMEYAOZHEIMECUNNI?

YINWEIRUGUONIQUANBUCUNWEIYINIANDINGQI,LILVYOUDIANDI,RUGUOCUNWEIWUNIANQIDINGQI,ZELIUDONGXINGJIAOCHA,WUFAZAIJIXUYONGQIANDESHIHOUYINGJI,CONGERYINTIQIANZHIQUZAOCHENGLIXISUNSHI。

之江凤凰ERZHEIMECUNDEHAOCHUJIUZAIYU,YINIANGUOHOU,NIKEYIJIANGDAOQIDEYINIANDINGQICUNDANXUCUNBINGGAIWEIWUNIANDINGQI;DIERNIANGUOHOU,ZAIBAERNIANDINGQICUNDANXUCUNBINGGAIWEIWUNIANQI,YICILEITUI,WUNIANHOU,WUZHANGCUNDANYOUZAIDUBIANWEIWUNIANQIDEDINGQICUNDAN,TONGSHIMEINIANDOUYOUYIZHANGCUNDANDAOQI,YIBIANYINGDUILIUDONGXINGXUQIU。ZHENKEWEIYIJULIANGDE!

方法二:通知存法

SUOWEITONGZHICUNFASHIYIZHONGBUYUEDINGCUNQI、YICIXINGCUNRU、KEDUOCIZHIQU,ZHIQUSHIXUTIQIANTONGZHIYINXING、YUEDINGZHIQURIQIHEJINEFANGKEZHIQUDECUNKUAN,YIBANZUIDIQICUNWEIRENMINBI5WANYUAN。

之江凤凰BIRUSHUO,YITIANTONGZHICUNKUANBIXUYAOTIQIANYITIANTONGZHIYUEDINGZHIQUCUNKUAN;QITIANTONGZHICUNKUANZEBIXUTIQIANQITIANTONGZHIYUEDINGZHIQUCUNKUAN。

之江凤凰ZHEIYANGCUNKUANFANGSHIHENSHIHESHOUTOUYOUDABIZIJINZHUNBEIYONGYUJINQI(3GEYUEYINEI)KAIZHIDE,JIUKEYISHIXIANZIJINZAIDUANQINEIDELIXIZUIDAHUA。JIASHENISHOUTOUYOUJINQISHIYONGDESHOUFUFANGDAIKUAN10WANYUAN,QUEBUXIANGBA10WANYUANZHIJIECUNCHENGHUOQICHUXU(SUNSHILIXI),ZHEISHIHOUJIUKEYICUN7TIANTONGZHICUNKUAN。

之江凤凰ANZHAOGONGXINGGUANWANGDESHUJUXIANSHI,YITIANTONGZHICUNKUANDENIANLILVWEI0.8%,QITIANTONGZHICUNKUANDELILVWEI1.35%,ZHEIYANGJIKEYIBAOZHENGLIUDONGXINGXUQIU,YOUKEXIANGSHOU1.35%DELIXI,YUEWEIHUOQICHUXULILV0.3%DE4.5BEI。10WANYUANCHIYOU3GEYUEDEQITIANTONGZHICUNKUANHOU,LIXISHOUYIKEYIGAOCHU250YUAN。

DANYAOZHUYIYIDIAN,ZHEIYANGCUNKUANFANGSHIDEGUANJIANSHICUNKUANDEZHIQUSHIJIAN、FANGSHIHEJINEDOUYAOYUSHIXIANDEYUEDINGYIZHICAINENGBAOZHENGYUQILIXIBUSHOUSUNSHI。BIRUSHUO,XUANZEQITIANTONGZHICUNKUANHOU,ZAIXIANGYINXINGFACHUZHIQUTONGZHIHOUWEIMANQITIANJIQIANWANGZHIQU,ZEZHIQUJINEDELIXIANZHAOHUOQICHUXULILVJIXI。

之江凤凰ZONGZHI,CHULEYISHANGLIANGZHONGCUNKUANFANGSHIWAI,HAIYOUHENDUOZHONGXUANZE,BIRUSHUO“CUNBENQUXI”FA,JIDAPEI“LINGCUNZHENGQU”DEFANGSHI,RANGQIAN“LIGUNLI”。RUGUONINYOUCUNKUANFANGMIANDEGULV,QINGGUANZHUDONGZHENMUTOUTIAOHAOHUOZHEPINGLUNQULIUYANJIKE。


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