The fortune teller said to save one yuan every day _ Is it true that the fortune teller said to save one yuan every day?

Is it useful to save one yuan a day? Can you make a profit? Is the annualized interest rate more than 20?

Is it useful to save one yuan a day? Can you make a profit? One-yuan one-day deposit method is effective, but it should be noted that one-yuan one-day deposit method can't be fixed deposit, because the minimum requirement for fixed deposit is from 50 yuan, and 1 yuan can't reach this threshold, so it can't be fixed deposit, so it can only be used for investment and wealth management.

The financial management threshold is very low, you can buy a lot of 1 yuan, but investment and financial management are risky, and you have to find someone with good coordination ability to deposit and withdraw it anytime and anywhere, and the threshold is slightly lower.

In that case, Yu and the change pass are both good choices. Although the profit is not too high, the risk is relatively high. The most important thing is that the cost is low, and one yuan can be deposited, which just meets this demand. In addition, it can be deposited at any time and taken out at any time. Compared with other investment and financial management, the coordination ability is very good.

If you save one yuan every day for 365 days a year, it is 365 yuan. Over time, more and more money is saved, and more and more profits are earned. It should be noted, however, that both the deposit and the change account are not guaranteed, and the deposit period will be different from that of the bank. So you should pay attention to the profit once in a while. If the market is not good, you should know how to take off the order immediately.

How much is the annualized 20% loan interest? The annualized interest rate is the present value of the original loan yield to the annual interest rate, which can be calculated as daily interest rate and monthly interest rate respectively. The formula is: annualized interest rate = monthly interest rate * 12= daily interest rate *360. So the annualized rate of 20% is actually the monthly interest rate 1.67% and the daily interest rate is 0.056%. Suppose 1 10,000 yuan loan, term 1 year, annualized rate of 20%, annual interest of 2,000 yuan, monthly interest of 166.67 yuan, and daily annual interest rate of 5.56 yuan.

How high is the annualized rate of 20%? This should be compared according to the type of online lending platform, such as banks or lending institutions.

1, financial institution: RMB loan benchmark interest rate 1~5, with an annual interest rate of 4.75%; The annual interest rate for five years and above is 4.9%. It can be seen that the annualized interest rate of 20% is almost five times the bank loan interest rate, which is definitely much higher than the bank loan interest rate.

2. Lending institutions: Most lending institutions calculate interest on a daily basis, with the daily interest rate in the range of 0.5 ‰ and the converted annualized interest rate in the range of 18%. However, the real interest rate of lending institutions needs to be combined with the borrower's qualification certificate to carry out differentiated credit lines. As long as the daily interest rate does not exceed 0.056%, the annualized interest rate of 20% is not very high, otherwise it will be high.

Is the annualized interest rate higher than 20? I hope I can help you.