Of course, if your life focuses on "living".

A few days ago, I watched a documentary. A Japanese old man lived on his parents' inheritance until he was 8 years old. His parents left him a house and about 1 million RMB in savings. He never worked or got married, so he lived alone, and he couldn't get out of the house. It was all the junk he picked up.

You think he can live a decent life just by paying interest. However, don't forget that Japan has almost zero interest rate. Therefore, in his life, he is really idle. At least he has lived to be 8 years old, eating and squeezing, just kicking his legs.

Let me ask you one question: Do you think zero interest rate or even negative interest rate is far from you? Maybe in the near future, you will enter the era of negative interest rate, and you will have to pay back interest if you save 1 million yuan.

My aunt was paid in 5 yuan more than 2 years ago and worked in 6 yuan for one year. Just that year, inflation was severe, with an annual interest rate of 12% and an inflation subsidy interest rate of 12%, equivalent to an annual interest rate of 24%. The factory gave them a 1,-year buyout, and they calculated the accounts. The annual interest of 1, yuan was 2,4 yuan, equivalent to the monthly salary of 2 yuan, which was four times that of the current one. Can "glorious" pension, enjoy life, they immediately bought out.

Now, my aunt's female workers are either selling steamed bread in the street or cleaning in the community. The subsidy of 1 thousand yuan in those years can't keep up with their children's monthly salary now. But that year, I bought them out for life in ten thousand years. Individual female cadres, with long-term thinking, did not buy out, and now their pensions are close to 7 yuan.

You have 1 million cash, a house, and plan to live in second-and third-tier cities all your life.

both positive and negative answers may be hit in the face.

reverse. Against you, you can't live forever. However, even if a college student works in a second-and third-tier city all his life, it is difficult to earn 1 million yuan and a house from now on. 1 million yuan in cash, even if the annualized rate is 5%, the annual salary is 5,, which is a proper annual salary level for corporate executives. Another set of data, the per capita deposit of Chinese people is less than 2 thousand yuan, while you have 1 million yuan. Woo hoo. Objection, it's untenable.

positive. Support you, you can live for a lifetime, but it seems that your heart is not practical. Think about the lesson of my aunt's 1 thousand yuan buyout for a lifetime. What happened to the 1 thousand yuan at that time and the 1 thousand yuan now? Don't we count? The current 1 million yuan will not become a "gross ticket" in ten years, twenty years, thirty years and forty years. It is said that Zimbabwe has printed 1 billion yuan bills. Support, but not practical.

is there a reliable road?

yes.

if you don't work, it doesn't mean you are idle. Why not learn some knowledge about financial management? Make a sound portfolio investment.

1 exclude all high-risk behaviors such as internet financing, private lending, stock trading, futures speculation and gold speculation.

2 resolutely don't fall for it, don't be fooled by any high-yield investment, there are too many traps.

3 adhere to the prudent concept, make portfolio investment, and don't put eggs in one basket.

4 combination forms:

First, take out 3 million yuan, find the wealth management manager of a large state-owned bank, ask for VIP service, and strive to get 4.3% interest. The annualized income reached 13, yuan, equivalent to a monthly salary of 1, yuan. In second-and third-tier cities, there are not many people who can reach a monthly salary of 1 thousand. This is the guarantee line of the bottom. This is the living expenses.

the second is to take out 3 million yuan and find a reliable sunshine private placement, because their threshold is 3 million. This kind of private equity income can guarantee an annualized rate of more than 12% and an annualized income of 36, yuan. Use this 36, yuan to continuously invest in index fund ETF.

the third is to invest 3 million yuan in index fund ETF. You should study the investment methods of index funds, gradually learn position management and rolling operation, adhere to "ergodicity" and enjoy the future growth dividend of the motherland.

According to the century-old history of the world stock market, the annualized rate of index funds is above 12% on average. Buffett said that this is the best investment for ordinary people and can outperform most professional investment managers. The annualized income is 36,, plus 36, from Sunshine Private Equity, and the annual income is 72,. If you continue to invest, be a friend of time and be a friend of compound interest, you may roll to tens of millions of assets after 2 years. Not only won't sit idle, but become a richer person.

Fourth, take out 1 million yuan, strive for low-interest loans, and then buy a small apartment, which is used to preserve and increase the value, and secondly, to collect rent and repay the loan with rent.