Now, the bank's deposit interest rate is really not high. In large state-owned banks, the three-year fixed deposit interest rate is only 3%, and the three-year large-denomination certificate of deposit interest rate is only 3.1%. This level of interest rate makes many people feel very difficult: if you don’t save it, you may not even have this 3% for other investments; if you save it, you will lock it in for 3 years, but the interest rate is too low.
So, is there a better investment channel that can be safer and has higher returns than bank fixed deposits? Of course there are, so I recommend this to you a new way to make money from the bank: to buy bank stocks and earn dividends.
When you hear about buying stocks, many people’s first reaction is that the risk is too high. But in fact, as long as we make a careful analysis, we will understand that the risk of "purchasing bank stocks and earning dividends" is really small.
The reason why many people think that "buying bank stocks to earn dividends" is that they are worried that the stock price will fall while distributing dividends. But at present, after the decline of bank stocks some time ago, the risks have been further released. For example, the share price of Industrial and Commercial Bank of China was still around 4.40 yuan in mid-October 2022, but after several trading days of continuous declines, the share price fell to at most 4.01 yuan, falling to a low in 2018. After a rebound in early November, the stock price rose to 4.15 yuan on November 11. The stock price is expected to fluctuate at this level for some time.
ICBC A-share trend chart
During the adjustment some time ago, not only the stock price of ICBC fell, but the stock price of the entire bank sector was falling, and the risks of the stocks of the entire bank sector were further released, highlighting the greater investment value.
Bank sector trend chart
Therefore, buying bank shares at this time and earning generous dividends will be a better way to manage financially in place of fixed deposits. The chart below is based on the stock price on November 4, 2022, and lists the five-year average dividend yields of the five major state-owned commercial banks.
From the figure, it can be seen that the average dividend yield of the five major state-owned banks is above 6%, which is twice the 3-year large-denomination certificates of deposit (3.10%) or 3-year fixed deposit interest rate (3%), and more than 3 times the 1-year fixed deposit interest rate (1.9%).
may have many friends who may not necessarily understand the "dividend rate". Below, let’s give a brief introduction to the dividend yield.
dividend rate, also known as dividend rate, is a manifestation of the investment return rate. It is a percentage obtained by comparing the total dividend amount of a year with the stock market price at that time. Its interest calculation formula is as follows:
dividend rate = (annual dividend per share ÷ stock purchase price) × 100%
Let us give an example, it will be easier for everyone to understand. If you buy ICBC shares, the price at the time of purchase is 4.09 yuan, and the dividend amount of ICBC's nearly 1 is 0.262 yuan (2.62 yuan in cash dividend per 10 shares). Then, based on this calculation, the dividend yield of your investment in Industrial and Commercial Bank of China is 6.406% (this case is only used as an example and not as an investment advice) .
Dividend rate is a form of investment return, of course, the higher the better. However, the dividend yield is affected by two factors: First, the price when buying stocks. The lower the stock price, the higher the dividend yield you get: Second, the cash dividends of listed companies are paid every year. The more dividends they pay, the higher the dividend yield.
Now, the overall banking sector prices of China's A-shares have fallen. When the stock price drops, the higher the dividend yield you get and the better the investment return.
In addition to the higher yield, the profit rate is also higher, which is that the cost of investing in stocks is lower than the cost of bank time deposits to cash in stocks.
If you need to cash immediately after buying bank stocks due to urgent money, then you may get cash on the second trading day. You only need to pay a transaction fee of a few ten thousand (many of my friends, the stock transaction rate is 0.9 per ten thousand, and you almost don’t have to consider the cost of cash at such a low rate) .However, if the bank withdraws its fixed deposits in advance, the original interest rate of 3% can only be paid at the current deposit rate of 0.25%, and the cost of realization will be higher, and the interest rate of 2.75% will be lost.
Finally, in view of the characteristics of the investment method of purchasing bank stocks to obtain dividend yields, the following three precautions are reminded:
1. The price of stocks fluctuates, and the dividend amount is not fixed. Therefore, the dividend yield will fluctuate for a certain year, but the deviation will not be too large and will stabilize within a certain range.
2. The funds for purchasing stocks should be idle funds for a long time, and it is best to have funds that do not need to be used for three to five years, so that they can steadily obtain dividends and dividends.
3. After purchasing bank stocks, if you encounter the bank's stock price rising to 20%, you can sell the stock first, because a 20% yield is equivalent to a 3-year dividend yield, and this kind of income can be settled first. After the bank's stock price falls in the future, wait for the opportunity to buy. #November new financial forces#
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