That 5% is annualized rate.  for 6 months, you get (principal X 5% X 6 / 12).

[此贴子已经被作者于2006-11-20 9:57:11编辑过]

5% is ANNUAL percentage yield. it's what you could get if you put the money in deposit for 12 months. NOT 6 months

the actual interest rate shoule be somewhere around 4.8

so for 6 months you could get: principal*(1+ 4.8%)^6 /12

[此贴子已经被作者于2006-11-20 11:29:19编辑过]