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目前银行开办零存整取,一般是一年为一周期,最多也只是五年为一周期。如果将零存整取的时间扩大到10年、20年甚至更长的时间,这将会吸引大量储蓄户。广大储户会利用这种储蓄方法来弥补退休工资的折扣;各企事业单位也可利用这种办法,解决职工的退休工资,从而克服退休费用统筹办法的某些不足。这种储蓄办法可称为养老金储蓄。其本利计算方法,可采用普通年金终值的计算公式:
At present, banks offer zero-sum round picks, usually one year for a period, up to only five years for a period. If the time of zero-sum rounds is extended to 10 years, 20 years or even longer, this will attract a large number of depositors. The majority of depositors will make use of this kind of saving method to make up for the discount of retirement salaries. Enterprises and public institutions may also use this method to solve their retirement salaries so as to overcome some shortcomings in the overall arrangement of retirement expenses. This method of saving can be referred to as pension savings. The profit calculation method, you can use the formula for calculating the final value of the ordinary annuity: