There are 200,000 certificates of deposit in the bank, and 6.5438+0 million yuan has fully met the threshold requirements and has certain bargaining power. Even in big banks, 6,543,800 yuan can be used to talk about interest rates. In my experience, the interest of 6,543,800+0,000 is easy to realize, even 45,000 a year is possible.

According to the data of the National Bureau of Statistics, in 2065, the national per capita disposable income was 28,228 yuan in 438+2008, so in my opinion, there is no need to study this problem at all, because a large number of ordinary people spend less than 28,228 yuan a year, and the interest income of 654,380+000 yuan in the first year is far higher than the per capita disposable income.

We have a population of about/kloc-0.4 billion, and about 900 million of this/kloc-0.4 billion population is rural. These people basically do not have any old-age insurance. The social security pension for them is about several hundred yuan a month, or even more than 100 in some places. Isn't it a normal life for such people and so many such people? Even some people are seventy or eighty years old and have to work hard in the fields. For these people, if they can spend 30-40 thousand a year, they will be very happy.

The simplest and rudest way is to directly invest 6.5438+0 million yuan into money funds such as Yu 'ebao. Although the annualized rate of return is not high, it can only be barely maintained at around 2.3%, but at least it is flexible and convenient.

1 10,000 choose the balance treasure with an annualized rate of 2.3%.

The annual interest income is: 654.38+00,000 * 2.3% = 23,000.

The monthly interest income is 23,000 yuan/12 = 19 17 yuan.

The interest income of nearly 2000 yuan per month seems to be low, and this income level can only maintain the living expenses of college students for one month. . . A few years ago, YunYunjun went to college, and his living expenses required 1500 yuan/month. With the rising of prices and the expansion of people's consumption desire, 1500 yuan is obviously not enough now. . .

Then for us ordinary people, 2000 yuan a month can only maintain the most basic needs of eating and dressing.

The income from choosing Yu 'ebao is really bad, so what other financial management methods have considerable income? Maybe a three-year time deposit is a good choice.

Compared with ordinary bank deposits, the interest rate of three-year certificates of deposit is higher, which can basically reach 4.2% in different banks, and the greater advantage of certificates of deposit is good liquidity. Not only can it be transferred, but some banks also support monthly interest calculation.

If 654.38+100,000 people choose certificates of deposit with annualized interest rate of 4.2%,

The annual interest income is: 654.38+00,000 * 4.2% = 42,000.

The monthly interest income is 42,000 yuan/12 = 3,500 yuan.

3,500 yuan is neither too much nor too little. The basic salary of many workshop workers is below 3500 yuan a month. If you live in your own home and cook by yourself on weekdays, you can support yourself even if you don't work.

If you buy food in 30 yuan every day, it will cost you 1 1,000 yuan a month, including 50 yuan's telephone bill, 200 yuan's electricity bill, 50 yuan's water bill, going out to see a movie occasionally, eating out in 500 yuan, and occasionally buying clothes in 300 yuan. Roughly speaking, the monthly expenses will be 2 1 1,000 yuan, leaving 1, 400 yuan's savings.

If you save some money, you can actually control your expenditure within 1500 yuan in one month.

Although 654.38+100,000 people can really support themselves by interest when they choose certificates of deposit, Yun Yunjun does not advise everyone to choose ease and mediocrity when they can still work and give full play to their abilities and talents.

Look directly at the investment of 654.38+00,000 yuan, and how much interest you can get.

Then according to your personal expenses, judge whether these interests can support your expenses.

According to the risk degree from small to large, the cash of 6,543,800,000 yuan can be invested as follows:

1. Ordinary bank deposit: the money deposited in the bank, and the bank will pay the principal and interest when due.

2. Innovative bank deposits: The innovative forms of bank deposits are different from ordinary bank deposits. The issuing bank is a private bank, and the deposit interest rate is relatively high.

3. Money fund: a fund that invests in short-term securities in the money market.

4. Fund fixed investment: buy a fund at a fixed amount and hold it firmly until it is profitable.

The risks and benefits of the above four investments are different, and the answers are as follows:

1, the one-year fixed deposit interest rate for ordinary bank deposits is 1.5%, and the one-year interest rate is 1.5 million yuan;

2. The one-year interest rate of innovative bank deposits can reach 4.7%, and the one-year interest is 47,000 yuan;

3. According to the balance treasure of the Monetary Fund, the current interest rate is lower than 2.3%, and the annual interest is less than 23,000 yuan;

4. The fixed investment of the fund is a long-term investment, with an annualized income of 65,438+00% and an annual interest of 654,380+10,000 yuan, but the effect is equal.

1, the subject can judge how much the basic expenses need for one year according to the city where the individual lives and his living habits.

2. In addition, if the 6,543,800 yuan of the project is not urgently needed, long-term and short-term investments can be made to improve the utilization rate of funds.

65,438+0,65,438+0,000,000 yuan will be invested in the two places, 400,000 yuan will be deposited in Innovation Bank, and 600,000 yuan will be fixed by the fund;

2. The one-year rate of return of innovative bank deposits is about 4.7%, and the annualized rate of return of fund fixed investment can reach 10%.

3. Balanced allocation of the two can increase the rate of return to about 7%~8% with less risk, and also obtain higher returns.

I hope it helps you.

The result of answering this question varies from person to person, because different financial management methods produce different benefits, and different families spend different money every year. Let's discuss it from two aspects.

First, income. The principal1000000 should be a huge sum in China now. For an office worker, it may not be earned in 10 years. Counting the financial management methods on the market now, there are mainly bank deposits, national debt, baby money fund, P2P financial management, other funds, stock market, futures, gold and so on. Among them, bank deposits and national debt are more traditional. Generally, the yield of three-year treasury bonds is about 4%, and the annual income is 40 thousand. Baby fund products have closed down, with an income of less than 2.5% and an annual income of 25,000 yuan. The returns of funds and the stock market are not very certain, but the stock market began to rise gradually this year. We earned 50 thousand a year at a rate of 5%. Now P2P products are underestimated, but the income can reach 10%, and the annual income is 654.38+ten thousand yuan, which is the best product, but the risk is also high.

Second, the daily expenses. Different families have different expenditures, even the same family has different expenditures in different periods. For example, if you are single, 50,000 yuan is basically enough. If you spend less, you may have some left. But if it is a married family, 50,000 yuan per year is the lowest cost. If you already have children, the child's annual expenses need about 20 thousand. But generally speaking, if there is an annual budget of 654.38 million yuan, it can basically meet daily consumption.

Generally speaking, whether it is enough to spend needs to consider the comprehensive consideration of income and consumption level, and it cannot be viewed unilaterally, otherwise it is meaningless.

Hello, friends!

If there is 6,543,800 yuan, if there are high-interest bank deposit products, then only relying on the interest of the deposit bank, as long as it can be thrifty, it can support the basic expenses for one year.

Now 654.38+00,000 deposit banks can also earn a lot of interest income. If it is a big bank, the annual interest rate is generally slightly lower. If it is a small or medium-sized bank or a private bank, the annual interest rate may be slightly higher.

At present, large three-year certificates of deposit of 654.38+00,000 yuan are deposited in large banks, and the annual interest rate can reach 4. 1.25%.

If it is a three-year large deposit certificate of small and medium-sized banks, the annual interest rate can reach 4.2625%.

At present, the interest rate of 5-year deposit products of some small and medium-sized banks is relatively high, reaching 5.4%, and they can also pay interest on a monthly basis. It can be said that such a deposit product is quite good.

At present, the highest annual interest rate of five-year deposit products of private banks is 5.4%, which is slightly lower than before.

Therefore, if you deposit 6.5438+0 million yuan in small and medium-sized banks, a product with a 5.4% interest rate can earn 54,000 yuan a year, with an average of 4,500 yuan per month.

Such interest income should still support the basic expenses for one year.

The interest income of 54,000 yuan a year and 4,500 yuan a month is not much, but it is also net income, which is basically equivalent to the national average income.

In 20 18, the national average income was 68,380 yuan, with an average monthly income of 5,698 yuan, and the monthly net income after tax was about 4,500 yuan.

Therefore, 4,500 yuan a month, as long as there is room and thrift, can still meet the basic needs of life.

The interest income of 4500 yuan a month is still enough if you are frugal now. However, if inflation occurs in the future, the cost of living continues to rise, and the prices of vegetables, meat, eggs and milk continue to rise slowly, then money may feel a little tight in the future.

For example, after more than ten years, the cost of living has doubled. Then, 4500 yuan in ten years may only be equivalent to more than 2000 yuan now, and life may become a little more difficult.

So now 4500 yuan a month is basically enough, and it may not be enough in the future.

Now relying on the interest of 654.38+00,000 deposits, if it exists in the five-year high-interest products of small and medium-sized banks, then the interest income of 54,000 yuan per year and 4,500 yuan per month can still meet the current basic expenses if you are frugal. But if it is more than ten years later, you may feel nervous.

"My ideal job is not to work", although this is a ridicule, it also reflects a good wish of many people to pursue wealth and freedom. If you have 1 10,000 yuan, can you support your annual expenses by eating interest? This can be said to vary from person to person. We might as well calculate an account: if we give you an annual interest rate of 5%, the annual interest rate of 1 10,000 is 50,000, and the average monthly interest rate is 4 1.67 yuan!

41Is 67 yuan enough for you to spend this month?

If you are single, if you are usually thrifty and have no luxury consumption, you can have meals in 50 yuan one day (morning 1000 yuan, 0 yuan, 20 yuan in the middle and evening), one month 1500 yuan, the transportation fee is counted as 500 yuan for one month, and the telephone fee is counted as 200 yuan for one month, and then you can buy some clothes.

If it is a family with old people and small children, then the interest income of more than 4,000 yuan will be enough, and life will be relatively tight. Moreover, you can't get sick and have other unexpected expenses. As for the pursuit of other quality of life, it is even more extravagant. There's basically no need to think about it. Of course, if you live in the countryside, a family with more than 4,000 yuan can still live comfortably. of course，

In today's society, many people may be able to save 6.5438+0 million yuan, but they still feel insecure and have to work hard every day. It is because the price rises too fast, the cost of living is too high (childbirth, education, medical care, old-age care), and the currency depreciation is too serious, forcing you to work day and night like an ox, and you can only rest on the day you lie down. ......

If it is only in the last year, then the interest of1100,000 yuan is more than enough to support the expenses for one year, but if it is to support the expenses for the next lifetime, it is insufficient, which is mainly caused by rising prices.

If1100,000 yuan is deposited in the bank, the annual interest is mostly between 20,000 yuan and 30,000 yuan (the interest rate of time deposits in different banks is different), but the time deposits in banks can only be withdrawn at maturity, which cannot meet the daily living expenses, so it is unrealistic to deposit them in the bank. At present, there are two main types that best meet your requirements: one is the money fund (such as Yu 'ebao), which bears interest every day; Second, the bank's open-ended wealth management products also bear interest every day and can be redeemed at any time.

Since 20 18, the yield of both money funds and open-end wealth management products has been declining. At present, the yields of the two products are generally between 2.5% and 3.5%, which are significantly lower than the previous 4% and 5%. We take 3%, so the annual income of these products 1 10,000 yuan is 30,000 yuan.

Judging from the national average, it is definitely enough. According to the data released by the National Bureau of Statistics, the per capita living cost in China in 20 18 is less than 20,000 yuan, and 30,000 yuan is more than half of the value, so it is no problem to meet the daily expenses for one year.

However, the specific division of areas depends on your city. If you are in a big city, such as the four first-tier cities in the north, Guangzhou and Shenzhen, it is a bit difficult to meet the basic expenses for one year with 30 thousand yuan, because the rent alone may be more than that.

With the interest of 1 10,000 yuan, it should be said that at present, most areas can meet the daily life of the next year, but this is short-lived, so it is very difficult to live on this for a lifetime, because the price level of our country has been rising, and the per capita living cost of our country in 20 18 years has increased by about 8% compared with that in 20 17 years. 10 has increased by 2. 15 times, so the lower you go, the higher the cost of living, but the interest rate and yield of the bank have been in a downward trend, and eventually your life pressure will become greater and greater.

It should be no problem.

654.38+000,000,000 yuan in the bank, whether it is a large deposit certificate product or a bank wealth management product, the expected rate of return for one year is around 4.5%-5%, which means that the interest income of 654.38+000,000 yuan in the bank is between 45,000 and 50,000 yuan a year.

The average monthly interest income is 3750 yuan.

The average annual salary of non-private units in 20 18 years is 8246 1 yuan;

In 20 18 years, the average annual salary of private units was 49,575 yuan;

In 20 18 years, the average annual salary of enterprises above designated size in China was 68,380 yuan;

Therefore, compared with the national average annual wage in 20 18 years, the interest income generated in one thousand years 100 is basically equivalent to the average annual wage of private units.

From this perspective, it is no problem for an ordinary working class to support the basic expenses for one year with the national average wage.

The sum of the annual expenditure of ordinary individuals on services such as food, clothing, housing, entertainment and medical care is 19853 yuan. Of course, this is only the necessary consumption expenditure of ordinary residents every year, and it only solves the basic food and clothing, regardless of the extra consumption needed to improve the quality of life.

Therefore, the annual income of 6,543,800 yuan can meet the basic living expenses of individuals.

If there is1100,000, the interest alone will be enough to support the basic expenses for one year.

If1100,000 is deposited in the bank, the annual interest will be 40,000 yuan according to the current deposit certificate interest rate of about 4%. In 20 18, the per capita consumption expenditure of the national residents was only 19853 yuan, less than half of 40,000 yuan. China's economic development is still very uneven. The top few people can earn hundreds of millions a year, while the bottom of the pyramid may only be 20 thousand to 30 thousand a year.

For example, in Wang Sicong, one meal per day costs 15000, which is equivalent to the living expenses of ordinary people for half a year. This comparison is incomparable. Everyone has his own way of living, and he can wear as many pairs of shoes as he likes.

I remember when I was in college, my father gave me living expenses in 500 yuan every month, and there was always a balance at the end of the term. Now college students can't spend 2000 yuan a month. In addition to rising prices, I am afraid that the consumption concept has changed even more.

Living on interest is actually not how much the principal is, but how much you have to spend, otherwise it will not be enough.

Conclusion: You spend 39,000 yuan a year, averaging 3,250 yuan a month. Do you think it can last a year (whether it can last a year depends entirely on the consumption level and place of ordinary people)

According to the current financial management method of capital preservation, the highest demand yield should be the demand deposit products of private banks, which can be as high as 3.9%, so the money fund has been excluded, and the current (best) money fund yield remains at around 3%.

Then let's calculate the income of 654.38+0 in one thousand.

Let's see how many we can get each month.

Do you think you can spend enough money for a month? After 90, I said enough.

But for some friends who spend money lavishly, it may not be enough at all. When friends come, it costs more than 3 thousand to eat, right?

So, whether this is enough depends on your lifestyle. Some people don't spend 1 10,000 a year, and some people really spend 1 10,000 a year. . . .

What do you mean? In other words, if you put your money in the bank, on the surface, you will get little income, but in fact, you are losing money.

As for the specific loss, it depends on the difference between your principal and deposit interest rate and inflation rate.

For example, if the inflation rate in a certain year is 7%, your one-year bank deposit interest rate is 2%, and you have saved 65,438+million, your actual loss this year is 5,000.

However, the bank gave you 2000 interest, and this loss is really hidden.

In the past 30 years, from 1987 to 20 17, the total amount of money in China has expanded from 651700 million yuan to16768 billion yuan, and the purchasing power of money has been greatly reduced.

In the era of legal tender (that is, money itself is worthless or insignificant, but its value is stipulated by the state), cash is a scarce asset, with a definite loss of 100%.

At the same time, even if you get a 3%-5% rate of return through capital preservation, this rate of return still can't escape inflation.