存入银行的利息怎么算,算完懵了!10万元存入银行后,20年后还剩多少钱?

作者: 发布时间:2017-12-07 17:18:55  来源: [手机访问]
导读: 近几年,互联网理财产品的出现,改变了投资领域的生态,居民开始追求便捷且收益可观的理财产品。但从数据上看,银行存款作为当前投资市场的主力地位仍然难以撼动

近几年,互联网理财产品的出现,改变了投资领域的生态,居民开始追求便捷且收益可观的理财产品。

但从数据上看,银行存款作为当前投资市场的主力地位仍然难以撼动,截至今年三季度,国内的住户存款余额仍然高达64.25万亿,同比去年增长8.4%。

算完懵了!10万元存入银行后,20年后还剩多少钱?

这仍与我国人民长期比较传统保守的理财观念有关,银行虽然利息低,但相对安全。不过监管的一系列政策的出台,如银行可以倒闭,银行理财将不再保本,都将预示着未来银行的安全性也将经受市场的考验。

10万块钱存银行,20年后还剩多少钱?

1.不考虑通货膨胀和纸币贬值

首先我们要明确,未来20年存款利率是多少?由于银行没有20年期存款,最长的只有5年期存款,为了获得最大的收益,我们可以采取4个5年方式来存。

目前5年期定期存款基准利率是2.75%,而商业银行目前给居民的存款利率一般达到3%左右。但这并不代表未来20年利率就是3%,因为目前的利率处于历史最低水平,那么我们假定未来20年5年期存款利率在4%左右,之所以设定4%,而不是5%甚至更高,那是因为从人类历史发展趋势上看利率是逐步走低的。

算完懵了!10万元存入银行后,20年后还剩多少钱?

未来20年10万存款最后本息和:10万×(1+4%)^20≈21.9万

现在我们可以知道10万块钱存银行,20年后还剩21.9万!多么?并不多,这只是账面数字,扣除通胀后实际上的钱并不是这么多。所以下面的算法我们引入通货膨胀。

2. 考虑通货膨胀和纸币贬值

通过CPI来测算通胀是物价的算法,如果以货币的算法来计算,那么就要更低一些了。

2016年我国的GDP增速是6.7%,2016年中国的信用总量增长是16.51%,信用总量可以理解为总货币量,可以理解为真实的“印钞”速度,GDP增速可以理解为创造财富的速度,如果创造财富的速度跟不了“印钞”的速度,那么就意味着资金缩水。

算完懵了!10万元存入银行后,20年后还剩多少钱?

2016年资金缩水(通胀)幅度为:16.51%-6.7%=9.81%。

但是9.81%是未来货币贬值的幅度吗?显然不是,因为随着国家开始控制货币(M2)总量,“印钞”的速度已经下降了很多,未来20年真实的通胀幅度应该是在4.5%左右。

于是:真实的利率=名义利率(4%)-通胀率(4.5%)=-0.5%

10万块钱存银行,20年后还剩多少钱?

10万×(1-0.5%)^20≈9.04万

如何让财富保值增值,跑赢物价上涨速度

齐小鑫算完非常震惊,10万存银行20年后只有9万!这很难让人接受,但随着纸币的贬值,物价上涨,现在的10万存银行虽然有利息,但20年后本息总和就相当于现在的9万多,所以必须得找到更多财富增值渠道,比如选择齐鑫金融将财富稳步增值。

齐鑫金融是由山东两大省管企业——齐鲁股权交易中心和中泰证券(原齐鲁证券)全资子公司联合创立的国有全资互联网股权、债权投融资中介平台,新客更专享七日12%的年化收益率,真是抢到就是赚到。

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