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DMS - Banking / Fixed Interest Rates

Investment US$

APY (Annual Percentage Yield), %

Initial Fee US$

Service Fee  %

20,000.00 - 49,000.00

8.00

500.00

0.85

50,000.00 - 99,000.00

10.00

500.00

0.88

100,000.00 - 499,999.00

11.00

500.00

0.95

500,000.00 - 999,999.00

12.00

500.00

0.98

1,000,000.00 -

13.00

500.00

1.05

APY - Annual Percentage Yield shown above are accepted by Central Bank and effective for 2003, unless or otherwise noted. Rates are subject to change without notice.  

Example 1:

Investment = US$ 50,000.00 at 10% APY (Annual Percentage Yield), cashed in monthly

US$ 50,000.00  -  US$ 500.00  DMS - Banking standard fee = US$ 49,500.00

US$ 49,500.00  x 10% = US$ 4.950,00 annual interest

US$   4,950.00  /  12 month = US$ 412.50 monthly

US$      412.50  -  0.88% DMS - Banking fees = US$ 408.87 monthly interest return

US$      408,87  x 12 month = US$ 4,906.44 total annual interest return

US$   4,906.44  /    4 (quarterly payments) = US$ 1,226.61 quarterly cashiers check
 
Investment : US$ 49,500.00 / 10.00% interest - one year - US$ 54,406.44 return

                                        APY (Annual Percentage Yield) = 9.912 % 

Net profit: US$ 4,906.44 per year, tax free.

 

Example 2:

Investment = US$ 50,000.00 at 10% APY (Annual Percentage Yield), capitalizing your interests

1.Quarter

US$ 50,000.00  -  US$ 500.00  DMS - Banking standard fee = US$ 49,500.00

US$ 49,500.00  x 10% = US$ 4.950,00 annual interest

US$   4,950.00  /  12 month = US$ 412.50 monthly 

US$      412.50  -  0.88% DMS - Banking fees = US$ 408.87 monthly interest return

US$      408.87  x  3  (1. Quarter) = US$ 1,226.61 reinvest

2.Quarter

US$ 49,500.00  + US$ 1,226.61 = US$ 50,726.61

US$ 50,726.61  x 10% = US$ 5,072.66 annual interest

US$   5,072.66  /  12 month = US$ 422.72 monthly 

US$      422.72  -  0.88% DMS - Banking fees = US$ 419.00 monthly interest return

US$      419.00  x  3  (2. Quarter) = US$ 1,257.00 reinvest

3.Quarter

US$ 50,726.61  + US$ 1,257.00 = US$ 51,983.61

US$ 51,983.61  x 10% = US$ 5,198.36 annual interest

US$   5,198.36  /  12 month = US$ 433.20 monthly 

US$      433.20  -  0.88% DMS - Banking fees = US$ 429.38 monthly interest return

US$      429.38  x  3  (3. Quarter) = US$ 1,288.15 reinvest

4.Quarter

US$ 51,983.61  + US$ 1,288.15 = US$ 53,271.76

US$ 53,271.76  x 10% = US$ 5,327.18 annual interest

US$   5,327.18  /  12 month = US$ 443.93 monthly 

US$      443.93  -  0.88% DMS - Banking fees = US$ 440.02 monthly interest return

US$      440.02  x  3  (4. Quarter) = US$ 1,320.07

US$ 53,271.76  +  US$ 1,320.07 = US$ 54,591.83 return

Investment : US$ 49,500.00 / 10.00% interest - one year - US$ 54,591.83 return

                                 APY (Annual Percentage Yield), = 10.287 % 

Net profit: US$ 5,091.83 per year, tax free.

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