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Seeking advice for time deposit

July 23, 2019 (2:22pm)

Good morning Sir Vince, patulong naman po. Ang time deposit rates na 4.5% per annum for 5 years po paano kinocompute & mganda po ba na semi-annual ang pay-out ng interest? 

Thanks.

I have purchased your book, kakarating lng Hindi ko pa nasisimulan basahin. Mukhang mas madali intindihin sa FB page mo financial advise mo po kasi Tagalog.

Prince

 

July 23, 2019 (11:26pm)

Hello Prince!

Salamat sa pagbili ng book ko. Hayaan mo, ang mga susunod kong libro ay sariling wika na natin ang gagamitin ko.

Usually sa banks, quarterly ang payout sa interest. Sa kooperatiba naman, may as frequent as monthly at as seldom as annual. Mas madalas mag-payout mas maganda.

Here are my suggested readings for you to learn more about interest rate calculation:

https://vincerapisura.com/interest-101/

https://vincerapisura.com/konsepto-ng-time-value-money-tvm/

Watch this too: https://youtu.be/LSeevhQO19E

Suggest ko lang, kung time deposit ka maglalagay, sa rural bank mo ito ilagay tapos gawin mong 5 years plus 1 day ang term para tax-free. Here’s the guide:

https://vincerapisura.com/ito-ang-bangkong-nagbibigay-ng-pinakamataas-na-interest-rate-sa-time-deposit/

Sir Vince

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