Suppose the money has n yuan. Saved for x years before raising interest rates (x = 0, 1, 2, 3).

The original three-year interest * * is 3 * 0.0324 * n.

After the interest rate increase, the interest rate will be 3*0.0369*N for three years and 0.0369*N for each year.

After the interest rate is raised (before the three-year period), the interest is withdrawn in advance to get 0.0072*N*X n * x n * x.

Loss interest 3*0.0324*N-0.0072*N*X

Within a storage period (3-5 years):

The total interest earned from the transfer is

s 1 =(0.0072 * N * X+3 * 0.0369 * N * 3)* 0.8

If the deposit is not transferred, the total interest is:

S2=(3*0.0324*N+0.0369*N*X)*0.8

When S 1≥S2, it should be shifted: the solution is x≤0.45.

Therefore, deposits with a maturity of less than 164 days should be transferred, and deposits with a maturity of more than 164 days should be transferred.