I have a compliant with Bidvest Bank, I was told by their Financial Planner that as a Pensioner I would get 8.35% interest on a fixed deposit for 12 months, When I got the contact it was 8.18%.?.

Fixed deposit calculations can be done by both manual and automatic methods.Now let us figure out the fd calculation in both ways:
1.) Manual Calculation Technique: It is the conventional process to know your Fixed deposit interest calculation. The formula for manual fd calculation is used as below:

Where,A = Final Amount
P = Principal Amount (initial investment)
r = Annual Nominal Interest Rate (as a decimal, not in percentage)
n = Number of times the interest is compounded per year
t = Number of years

2.) Online Calculator Technique: Nowadays online FD calculator is very amazing technique and it is a very useful online tool that helps you to easily calculate your Fixed deposit return. Online FD calculators uses simple technique in which you need to put your amount, tenure, interest rate and can get accurate results instantly. You can easily calculate and compare the interest receivable by changing the deposit amount.

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With more than 1,000 bank branches and one of the largest ATM networks in Australia, Commonwealth Bank offers a wide selection of checking, savings and term deposit accounts, depending on your personal or business financial needs.

Whether you open an account over the phone, in person or online, the process is simple and relatively pain-free.

Log on to the Commonwealth Bank website (see Bottom of page).
Under the "Personal" tab, click on "Bank Accounts."

Hit the "Getting Started" link in the upper-left corner under "Reaching Your Goals" to start the process of choosing and opening an account.


Hit "Choosing the Right Account" under the "Quick Access Menu" to review and decide what type of account you want to open at Commonwealth Bank.
View the "Account Comparison Table" to compare account options and features such as monthly withdrawal and minimum balance fees, limitations and interest rates.

Apply for an account online by clicking the "Online Application Form" under "Applying for an Account."

Read the "Privacy Acknowledgment and Consent" that pops up on your screen and click "Continue" to indicate your consent.

Begin the online application.
Decide if you need a transaction account or a savings account and select the account type under the corresponding category by clicking the appropriate radio button.

(Transaction accounts enable customers to make deposits and withdrawals, receive salary payments and pay bills.)

Choose a Smart Access, Complete Access, Streamline Account, AwardSaver Account, Youthsaver Account, Cash Investment Account or Pensioner Security Account.

Confirm that you're 16 or older and hit "Continue." Complete the personal details for your new account, including your name, gender, date of birth, marital status, occupation, address, phone numbers, email address, preferred language and your tax file number.

Indicate if your account will be owned by just you or jointly with someone else.
Check off if you'd like a confirmation email after you save or submit your application, whether you already have another account with Commonwealth Bank and whether you want card access.

Click the "Marketing Information" box if you want to receive information about new products and services. Hit "Continue."


Complete your application by filling out the details about your deposit account on the next page. Review your online application to confirm that the information you entered is correct and legal and hit "Submit."
Wait for email confirmation and wait for approval of your new account.

http://www.commbank.com.au/

Do a Google-search for: define:Chartered Financial Planner

Chartered Financial Analyst (CFA) is an international professional designation offered by CFA Institute (formerly known as AIMR) to financial analysts who complete a series of three examinations. ... en.wikipedia.org/wiki/Chartered_Financial_Planner

for details.

I want how i can calculate daily profit /loss calculation on investment