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The dividend rate of 8 banks is 4.125% of the interest rate of super large certificates of deposit. It is better to buy stocks than to deposit money in banks

With the disclosure of the annual report of listed banks in 2020, more and more people pay attention to the dividend rate of bank shares. Many bank stocks have dividend yields of more than 4%. Therefore, some people say that it is better to buy bank shares to earn dividends than to deposit money in the bank and eat interest.

8家银行股息率超大额存单利率4.125%,钱存银行吃利息不如买股票

In recent years, the dividend distribution of bank shares has been very high, which has greatly exceeded the interest rate of one-year time deposit and large certificate of deposit. The dividend yield of many banks has exceeded the large deposit interest rate with a term of three years, which is very attractive. For example, in 2020, the dividend yield of 9 banks exceeded 4%, and that of 8 Banks exceeded the interest rate of 4.125% on three-year certificates of deposit.

Among them, the dividend rate of Bank of communications is the highest, reaching 6.10%; The second highest is the dividend yield of Zheshang Bank, which is 5.94%; Everbright Bank also reached 5.83%; Bank of China 5.43%. Even the dividend yield of ICBC, known as the "universal bank", has reached 5.04%, killing the annual yield of all bank financial products in the market.

8家银行股息率超大额存单利率4.125%,钱存银行吃利息不如买股票

The judgment basis of enjoying dividends is the time of buying shares, which has nothing to do with the length of holding shares. The length of holding shares is only related to the dividend tax rate. Stock dividends are subject to income tax. The tax rate varies with the holding time. The tax for holding shares for more than one year is 5%, the tax for holding shares for more than one month is 10%, and the tax for holding shares for less than one month is 20%.

Whether to enjoy dividends is only related to the time of stock purchase.

As long as the shareholders who buy and hold shares before the closing of the equity registration day (before 15 p.m.), they can enjoy dividends. Every year, a listed company will designate a certain day as the defining day of whether it enjoys the right of dividend distribution, which is the equity registration date. As long as you buy and hold bank shares before 3 p.m. on the equity registration day, you have the right to pay dividends on bank shares.

8家银行股息率超大额存单利率4.125%,钱存银行吃利息不如买股票

In principle, listed companies may distribute dividends when they issue quarterly statements every quarter. But in practice, dividends are generally paid once a year, and some listed companies pay dividends once every half a year. In terms of bank stocks, dividends are paid once a year and are paid in the annual report. Only once a year can the dividend yield be as high as 4%.

Listed banks generally publish their annual reports around March every year, which stipulates the dividend distribution plan. Therefore, the bank's dividend time is generally arranged in the second quarter of each year (April to June).

8家银行股息率超大额存单利率4.125%,钱存银行吃利息不如买股票

Special reminder:

We should not blindly buy bank shares (especially short-term stocks) in order to obtain dividends, because the price of bank shares will fluctuate up and down. If you buy bank stocks in order to obtain dividends, when the price of bank stocks falls by 4% to 5%, the dividend of 4% to 5% of your profit just offsets the decline of the stock price. If the stock price falls more sharply and the stock price falls more than the dividend yield, there will be a loss, and the gain is not worth the loss.

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