The annual interest rate of education savings is 1.98%, and the interest tax is exempted. The monthly interest rate of a bond issued by a certain company is 0.215%, but 20% interest tax is levied. In order to obtain greater returns, which kind of savings should investors choose? If a person deposits 28,000 yuan, how much more can he earn after one year expires?
教育储蓄年利率为1.98%，免征利息税，某企业发行的债券月利率为0.215%，但要征收20%的利息税，为获取更大的回报，投资者应选择哪一种储蓄呢？某人存入28000元，一年到期后可以多收益多少元？
<gadget id="calculator">0.215 / 100</gadget>
<output>0.00215</output>

<gadget id="calculator">20 / 100</gadget>
<output>1/5 = around 0.2</output>

<gadget id="calculator">1 - (1/5)</gadget>
<output>4/5 = around 0.8</output>

<gadget id="calculator">28_000 * 0.00215 * 12 * (4/5)</gadget>
<output>577.92</output>

<gadget id="calculator">1.98 / 100</gadget>
<output>0.0198</output>

<gadget id="calculator">28_000 * 0.0198</gadget>
<output>554.4</output>

<gadget id="calculator">577.92 - 554.4</gadget>
<output>23.52</output>

<result>23.52</result>