Preface
Most people think it should be placed in the bank. After all, it is more secure than storing the bank yourself. What is important is that bank deposits can also bring us interest, but some people also asked, assuming that deposits 12,000 yuan a year in the bank and paying 12,000 yuan a year in personal pension, which method will bring us higher returns in 20 years?
In fact, over the years, the status of bank deposits in the hearts of the people has not been lasting. In the past, many people trusted and firmly chose bank deposits.
But now, as major banks have dropped deposit interest rates, many people think that these funds can be put in other places, such as choosing other financial management methods, and paying personal pensions in addition to purchasing fund stocks is also a way to do so.
is also 12,000 yuan a year. Which one will make more significant returns after 20 years? This question indeed makes many people curious.
When citizens' income level continues to increase, the savings amount of Chinese people has gradually increased over the years. Data shows that the balance of deposits for Chinese residents in 2021 was 102.5 trillion yuan, and this number is still increasing year by year. On average, China's per capita deposit has reached 78,100 yuan.
is different from other financial management methods. There are risks, either making or losing money, bank deposits are stable and profitable. Even if the interest is not too much, it can ensure that your principal can be only more or less. , and since the country's current state's supervision of banking is getting stronger and stronger, even if the bank goes bankrupt, the interests of depositors can be mostly protected.
However, over the years, the interest rate of bank deposits has been constantly being adjusted. In the 1990s, the annual interest rate of Bank of China deposits was extremely high, and at that time the deposit interest rate could reach 10%.
Assuming that we deposit 10,000 yuan in the bank, the annual interest rate may be as high as 1,000 yuan. In fact, this is because there were very few people who could deposit in the bank at that time. However, at this stage, more and more people are depositing, and the deposit interest rate is getting lower and lower.
, especially since , the central bank decided to open interest rate control in 2015, and after each bank independently set interest rates, bank deposit interest has been falling all the way. Now, whether it is time deposits or large-denomination certificates of deposit , most banks have less interest than before, which has also made many people gradually lose hope for bank deposits to earn interest.
In addition, the interest rate of the treasury bonds issued this year has also been much lower than the previous year. The current 5-year savings rate is 3.52% and the annual interest rate of the three-year savings-oriented treasury bonds is 3.35%. The level of
is even less than that of the three-year fixed deposit profit of the bank in the previous two years. When it was the decline in deposit income, each depositor had to change his mind and create more possibilities for his limited funds. For a while, other financial management methods also began to attract attention, and the same was true for personal pensions.
Next, let’s compare the same one with 12,000 yuan a year. Which one can bring us more considerable benefits from bank savings or personal pensions?
For example, Xiao Liu and Xiao Zhao are both 40 years old this year. According to their retirement at the age of 60, Xiao Liu deposits 12,000 yuan in the bank every year. Xiao Zhao participates in personal pension every year, and the annual payment amount is 12,000 yuan. Whose money creates profit more considerable?
First look at bank deposits. Calculated based on the three-year interest rate of bank deposits of 3%, if you deposit 12,000 yuan in the bank, you can get 360 yuan in interest every year. After 20 years, the total interest will be 7,200 yuan.
However, considering that depositing it to the bank after the interest expires, it still needs to be calculated according to compound interest. In such a detailed calculation, Xiao Liu can get about 322,440 yuan in total with principal and interest in 20 years.
But you should also know that the three-year fixed deposit rate of in these 20 years will inevitably not always be 3%, and we only calculate it according to an ideal and stable situation.
Let’s look at Xiao Zhao’s personal pension deposit. The current data on personal pension income has not yet been disclosed. However, according to the income of employee social security personal pension, 20 years later, Xiao Zhao’s personal pension account will have a total of 491,940 yuan.
It seems that Xiao Zhao is obviously more cost-effective to deposit his personal pension, but at the same time it should be noted that the investment in his personal pension account also requires himself to bear the risks, so there are also some risks of losses hidden in this income.
summary
But overall, in ideal cases, depositing the same money into a personal pension account is more substantial than the profits obtained by depositing it into a bank. Although it is necessary to bear the profit and loss when depositing it into a personal pension account, the financial products that can be purchased by a personal pension account will be strictly limited. Usually, people can only buy some, which is relatively stable and standardized, focusing on preservation of value.
Today’s topic: If you deposit the same money in the bank or pay a pension, which one will have a higher return in 20 years? Insider tells the truth
