As for the commodity which you choose truly the high interest?

The person who chooses ahead depositing the money in announcement and the pamphlet etc it is many because?

Has everyone, when depositing, what decided the commodity in standard?

Bank of Japan to set forth inclusion relief in 2010 October, in fact the zero interests.As for the point of view which chooses deposit there is a variety, but when we would like to receive interest even a little mainly, is not that the person who refers the height of the interest is many, probably will be?

But, unless you have understood securely concerning the method of thinking the interest, there are times when it is to fall in the unexpected pitfall.This time, it keeps explaining on the basis of the example concerning four hints which distinguish the time deposit of the high interest.Because you can use circular deposit of course even with foreign currency deposit, don’t you think? please refer by all means!

Hint 1: Operational method of the commodity is verified

It will try thinking on the basis of this example.

Like the right the pamphlet as an example, we will have decided to keep thinking.“Year 1%” it is in the pamphlet.Because now ordinary deposit & saving is about 0.02%, when you compare to that, it is considerable the high interest.

First as for hint of one stuffing, it is to grasp the calculation method of calculating the amount which by his can receive truly.

There is “a simple interest” and “a compound interest” in calculation method of the interest of the financial products.「simple interest」is、that of how to calculate the yield without changing the principal investment。in contrast、「compound interest」is、is that of how to calculate the total amount of investment as a principal in investment principal and interest。

100million yen interest rate1％products of1year if deposited、１total amount of principal and interest after a year、101million yen（100million yen×1.01％）will be。

at this time,2principal after the first year、if the simple interest is100the remains of ten thousand yen、if the compound interest101will be ten thousand yen。or、that the deals will be better in terms of compound interest from the following when calculating the period of increased investment principal。

●point：to check whether the simple interest and compound interest to operate in either

hint2：to understand the amount receive

over about over time as you can see from this example…

2the first hint of、simple interest and compound interest is in、grasp of what comes out is how much difference in the amount received。

temporarily3let’s calculate annual。

if the interest is simple、1the annual interest１million yen（100ten thousand×１％）it will be、3if you receive an annual amount deposited、103million yen（100million yen＋1million yen×3years）will be。

also the case of compound interest、1first year101million yen（100ten thousand×1.01％）、2first year102ten thousand100circle（101million yen×1.01％）、3if you receive an annual amount deposited、103ten thousand301will be ¥。

as above、3just years after301is the yen、there has been an increase in the amount of compound interest will receive more than simple interest。of interest is compound interest operating in1that the ratio of annual interest「yield」is called。

if the above case、when you operate in the yield of compound interest、1.003％will be called。also deposit the same amount、investment yield will be different simply because simple interest and compound interest、receive the amount is different。when choosing a financial products、i first let’s holding that the compound interest is more advantageous than the simple interest。

incidentally、difference of only a few hundred yen at low interest rates such as the now。but、high interest rates when they become the future、the only difference in compound interest and simple interest of product called、receive the difference between the amount will be spread。

●point2：understand the yield、to determine the amount

hint3：to determine the period

3actually able to get it after months how much is？

let’s take a look at the brochure again well。「3one month」i’ll have a display of。year1％there is a、since this is a display only average yield。receive the actual amount of、3is for the month。

3months of interest rate is1annual interest rate of1/4and so、0.25％（1％÷4）next、3receive the amount in months、100ten thousand2500circle（100million yen×1.25％）the。

and without noticing the time they deposit、i might often feel disheartened at the amount received at maturity。

●point3：period to determine the amount of their deposit interest rates

hint4：after the campaign to ensure

hasty conclusion is strictly prohibited！please read the description firmly

finally3receive the amount in months100ten thousand2500it was found to ¥。but、「then、1if you continue year、4times the1million yen。」that it is a little hasty conclusion！also、please see all over the brochure。

at the bottom、「special interest rate applies only when the initial deposit。after applying the interest rate is usually continue after 」and there（it is usually written in often a very small character）。this is、3campaign has ended months4months from the eye is、that interest rates return to normal。or、is such that after the campaign period has ended and returning to the normal interest rate。

initially１%i thought i was in high interest rates、really3in months0.25％。also4months from the eye is that the interest rate goes back to normal、this1i was in pamphlet written pieces of。

when interest rates jumped at it and just look at interest rates of surface、you may also found that the product was high interest rates of other financial institutions actually。when considering where to deposit money、miss this4please select the product i look at while taking advantage of the tips of two。