(1) If 5 million yuan is deposited in the current deposit of this rural commercial bank, the deposit interest rate is 0.35%, and the annual interest is: 5 million yuan *0.35%* 1 year = 1.75 million yuan.
(2) If 5 million yuan is deposited in a three-month fixed deposit, the annual interest will be 5 million *2.35%* 1 year = 1 1.75 million yuan;
(3) 5 million yuan is deposited for six months, and the annual interest is 5 million *2.55%* 1 year =127,500 yuan;
(4) 5 million yuan is fixed for one year, with annual interest of 5 million *2.75%* 1 year =137,500 yuan;
Deposit interest = deposit principal × deposit interest rate × deposit term. According to the different deposit term, deposit interest can also be divided into annual interest, monthly interest and daily interest. It should be noted that the deposit interest rates published by general banks are annual interest rates, and the deposit interest is not simply the principal multiplied by the interest rate, but also combined with the deposit term.
Extended data:
Having 5 million yuan in wealth management may have higher income than having a bank, so you can choose a combination of wealth management methods:
1. Bank savings. This is the way that 99% people will choose, and they can choose to deposit some funds in the bank as a living reserve. This is a financial management method with the highest safety factor, but the income is also the lowest.
2. Bank wealth management products. It is also a common way to manage money. The risk of bank wealth management products is hard to say. After all, some products are also risky, and the income is not high compared with P2P financial management. You can choose bank wealth management products with guaranteed income.
3. Monetary funds. This kind of wealth management product, that is, online "baby" wealth management, has a high safety factor, and many of them can be taken at any time and stored at any time. Living expenses can be spent on such wealth management products, so that pocket money can also be earned.
4. stocks. Nowadays, some people with a little money will open accounts for stock trading. This personal investment and financial management method is risky, but the income is high. After the previous steady investment, it is also good to choose some high-risk and high-yield ones.
5.P2P wealth management products. The risk is slightly higher than bank financing, far lower than stocks, and the income is much higher than bank financing and far lower than stocks. It belongs to the category of medium risk and medium income. At present, the industry income level is about 12%.