關於定存的概念與問題 - 理財

By Ursula
at 2008-02-16T05:09
at 2008-02-16T05:09
Table of Contents
我是大二生,最近開始有心想踏入投資理財
因為自己目前收入為每月零用金
大概可以存 1000~1500左右
然後看了很久的存款知識
想詢問板上高手,我的知識正確嘛?
1.
存款分定存跟活存
活存就是沒有限制的存入存出,但利率低
(好像低於5000是不付利息)
定存則有所謂儲蓄定存跟定存,定存是直接存一筆錢,然後根據當時約定時間
(定存單)到期之後領回,假如位在期限內領回,會根據當月期存款牌告利率打八折
2.
儲蓄定存則是一定要存一年(以上),然後又依總纇不同有:
整存整付(開始存一次,每月利率加回本金,以複利計算,到期一次領回)
零存整付(先存一次,每月先用付利算一次利息,再每月存一次,最後一次拿回)
整存零付(開始存一次,然後每月拿回利息)
----------------------------------------------------
但我有幾個問題想請問
1.零存整付是按照當時決定好"要存到多少"然後算出每月繳"固定金額"
那假如我只能確定我每月能"拿出多少"的話,還是可以做零存整付嘛?
2.一般定存也是複利嘛??
感謝各板上高手解答
--
因為自己目前收入為每月零用金
大概可以存 1000~1500左右
然後看了很久的存款知識
想詢問板上高手,我的知識正確嘛?
1.
存款分定存跟活存
活存就是沒有限制的存入存出,但利率低
(好像低於5000是不付利息)
定存則有所謂儲蓄定存跟定存,定存是直接存一筆錢,然後根據當時約定時間
(定存單)到期之後領回,假如位在期限內領回,會根據當月期存款牌告利率打八折
2.
儲蓄定存則是一定要存一年(以上),然後又依總纇不同有:
整存整付(開始存一次,每月利率加回本金,以複利計算,到期一次領回)
零存整付(先存一次,每月先用付利算一次利息,再每月存一次,最後一次拿回)
整存零付(開始存一次,然後每月拿回利息)
----------------------------------------------------
但我有幾個問題想請問
1.零存整付是按照當時決定好"要存到多少"然後算出每月繳"固定金額"
那假如我只能確定我每月能"拿出多少"的話,還是可以做零存整付嘛?
2.一般定存也是複利嘛??
感謝各板上高手解答
--
All Comments

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