Many people fantasize about winning the lottery. Let's talk about this hypothesis today-if you won the lottery of100000, how would you spend it?

Life is impermanent and things are changeable.

One day, you were lucky and won 6.5438+million in the lottery. I believe you will never forget this day. It will also be the most important turning point in your life.

No matter what your previous life was like, you will have two extreme futures from now on.

1, a miserable life loser.

2, financial freedom, eat, drink and be a winner in life.

Many people may not understand, I have100000, why do I still live as miserable as a year?

In fact, the reason is very simple, that is, how to spend this100000?

I won 6.5438+million in the lottery, which is an unexpected fortune according to economics. Realizing financial freedom, eating, drinking and being a winner in life depends on the accumulation of assets, not windfall.

100000, if we only consider profligacy, it is equivalent to living in an open space and there is no stable source of income. 100000 In today's society, you can't spend it all in a few years.

When you get into the habit of spending money like water and go back to your life before you won100000, the gap will make you miserable. You will spend the rest of your life in regret.

But don't worry too much. With a windfall of 6.5438 billion yuan, although you can't really achieve financial freedom, eat, drink and be a winner in life, at least you can achieve this ultimate goal better and faster than most people.

Now we are adhering to a logical and rigorous attitude and rationally discussing how you should spend it if you win100000 in the lottery.

First of all, winning 654.38+million doesn't mean you have 654.38+million.

According to China's lottery management regulations, 20% personal income tax is required for winning 10000 yuan or more.

100000 paid 2 million personal income tax, but it was actually 8 million.

With 8 million solid cash, most people first consider buying a car and a house.

That's understandable. Because I suddenly have money, it is reasonable to change my life.

But buying a car or buying a house still needs to pay attention to the two living conditions I mentioned above.

You can't be extravagant, but you must have the capital to achieve financial freedom, eat, drink and be merry, and truly become a winner in life.

8 million, buying a house in a first-tier city should be moderate. How to say it is 8 million, and living in the county is somewhat wronged.

The average price of houses in capital cities such as Changsha and Zhengzhou is around 6.5438+0 million. A family of five (parents, you and your daughter-in-law, children) buy a set of three rooms and two halls, and we initially set it at 2 million.

Buy another car, and if you have it, go according to the budget of 500 thousand.

In this way, excluding the house and car, the money won is 5.5 million.

Remember, this 5.5 million is your starting capital in the future. To achieve the ultimate goal-financial freedom, eating, drinking and being the peak of life, we need to consider from two aspects.

First, work out our annual expenses. Everyone's family situation is different. Here, there is a family of five. )

1, living expenses (including food, housing and medical treatment without major diseases)

With the improvement of living environment and quality, the cost of living will definitely increase. Not extravagant, but not shabby.

The normal annual expenditure of a family of five in first-tier cities is set at around 200,000/year.

2. Insurance premium (mainly social insurance and commercial insurance)

Insurance can reduce the loss of families when risks occur. Insurance is divided into two categories, one is social security, the other is commercial insurance;

Commercial insurance can be divided into two types:

First, property insurance.

Such as car insurance. It is convenient to calculate here. I will calculate the cost of car insurance and car maintenance.

Vehicle maintenance costs include insurance, postage, maintenance fees, parking fees, road and bridge fees, car wash fees, travel expenses, fines for violation of regulations, etc.

According to the general car price 15%-20% car maintenance fee, a 500 thousand car is about 75 thousand to 65438+ 10 thousand. If there is an accident, your insurance premium will also increase.

Let's call it 65438+ ten thousand/year.

The second is people-related insurance.

There are roughly four categories, namely accident insurance, medical insurance, major illness insurance and life insurance.

According to the most basic insurance package, buy a lifetime accident insurance and major illness insurance.

An average person is 5,000 yuan a year, and the annual premium of 25,000 yuan for a family of five should cover basic insurance items.

3. Parenting cost

According to online statistics, raising a child in a big city requires nearly 500 thousand if it is only an undergraduate. If you add graduate school, add 40 thousand; Study abroad plus 200 thousand. If you want to buy a house for him, you need a down payment of about 200,000 yuan, which is almost 6,543.8+0,000 yuan.

From birth to marital independence, according to online data, the average age of marriage in China is around 30 years old. Then the children's annual education expenses need at least 33,000.

Because of the windfall of100000, we can't wronged our children. The cost of raising children is set at 50 thousand yuan per year.

Now let's take a look at the annual expenditure of a family of five after winning the lottery.

Living expenses: 200,000 yuan/year

Insurance cost: 65,438+250,000/year

Education cost: 50,000 pounds/year

* * * 375,000 yuan, because in many cases it will exceed the budget, so here we take 400,000 yuan. Equivalent to 80 thousand per person per year.

I want to maintain a good living condition after clearing this account. Even if you win the lottery of 6.5438+million, you should use this lottery of 6.5438+million to create an annual income of 400,000.

Second, investment.

Just calculated that the start-up capital is 5.5 million and the annual income is 400,000. Then the return on investment must be above 7.2%.

But now banks cut interest rates across the board, and time deposits are 2.75% for three years. It is definitely not possible to deposit interest in the bank.

For family assets, besides family expenses, there must be some liquidity to deal with emergencies.

So we can roughly divide 5.5 million into two categories: 6.5438+0 million working capital and 4.5 million investment funds. The investment of 4.5 million yuan will definitely have a return of 400,000 yuan every year, which is more than 8.88%.

For liquidity, I personally suggest that you can deposit in the bank and go out at any time, and there are some interests.

Here are three tips to save money, which can improve interest income on the premise of ensuring liquidity of funds.

Prompt 1: interest rolling savings

After spending 1 month, you can choose to deposit your money as a deposit with principal and interest. After one month, you can withdraw the deposit interest of the first month, and then open a savings account with zero deposit and lump sum withdrawal to deposit interest. After that, you can regularly withdraw the interest generated from the first account every month and deposit it in the installment account, so that not only the deposit with principal and interest withdrawn will earn interest, but also its interest will be paid after participating in installment savings.

Even if you choose low-risk savings, you should try to make every penny roll up, including interest, and maximize your income as much as possible.

Tip 2: Share the money saved.

You can divide it into four different quotas, namely 500,000, 300,000, 200,000 and 65438+ 10,000, and then deposit all four certificates of deposit into one-year time deposits. Whenever you need money within a year, you can take out certificates of deposit close to the required amount, which can not only meet the demand for money, but also maximize interest income.

This method is suitable for the expectation of useful money within one year, but it is not sure when to use it and how much spare money to use at a time. Not only will the interest rate be much higher than the current savings, but also the required funds can be withdrawn with the least loss when using the money.

Tip 3: Save steps

You can divide it into five equally, with 200,000 yuan for one-year certificates of deposit, 200,000 yuan for two-year certificates of deposit, 200,000 yuan for three-year certificates of deposit, 200,000 yuan for four-year certificates of deposit and 200,000 yuan for five-year certificates of deposit. It should be noted here that four-year certificates of deposit can be stored by three years plus one year. This way of saving can keep the term of the certificate of deposit equal and balanced, which is very planned.

This method is more suitable for families with fixed living expenses. The combination of the length of the savings period can make the funds take care of your use in different periods and make your life orderly.

This is done, and the next step is investment.

Many people think that the purpose of investment is to obtain excess returns. In fact, the real core of investment is to preserve value, and then to increase value.

So how to invest this 4.5 million spare money?

According to everyone's investment risk preference, the investment portfolio is also different. How to divide the proportion of asset investment is not detailed here.

1, trust product

Among them, trust is characterized by high threshold, high income, long term and low risk. Take the investment and financial management of 654.38+0 million as an example. If you buy a one-year trust product, the yield is 9%, and you can "eat interest" 90,000 yuan every year. According to the 3.3% after the one-year periodic increase of 65,438+00%, the interest of the one-year trust can be as high as 57,000 yuan.

2. "Fixed income" means that the income is fixed, but not all fixed-income wealth management products guarantee the principal and income. Try to choose historical 100% cash. 1 year investment 1 10,000 yuan, if calculated according to the annualized rate of return of 12%, the maturity income is10.2 million yuan! At the same time, it also reminds investors that when purchasing wealth management products, they must choose according to their own wealth management needs and risk tolerance, and don't just stare at high returns.

3. Diversified investment, some buy long-term wealth management products with higher returns, and some buy short-term flexible products. At the same time, some insurance and fund products can also be configured. Banks' wealth management products are relatively stable, and they can also combine investment in the stock market and the gold market to share the high returns brought by high-risk markets.

4. Money funds are called "quasi-savings products" and mainly invest in short-term financial products with high security such as central bank bills and repurchase. Its advantage is that the principal is worry-free, the daily income is calculated, and the liquidity is second only to the bank's current savings. The expected rate of return is generally around 4%, and the investment threshold is low. You can invest 1 0,000 yuan. 654.38+00,000 yuan is saved for one year, and the due income is about 40,000 yuan. Although the income is low, the funds can be used at will.

5. Buying stocks means buying listed companies and China's economic growth. Stock income includes dividend income, capital gains and transfer income from provident fund. The biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.

6. Real estate investment. Due to the regulation of the property market in the past year or two, local governments have suppressed "real estate speculation". It is ok to invest in real estate, but you must be cautious. However, according to the domestic real estate form, the real estate income can still be 15%.

7. Other investments.

Such as futures, foreign exchange investment, spot and venture capital, these risks are extremely high, including high leverage, but at the same time the returns are also very considerable. You can try it with a little money.

Specifically, how to make a reasonable asset allocation to realize investment, the most important thing is to tailor it according to the individual's risk preference and return on investment.

If you won 6.5438+million in the lottery, how would you spend it? This question is too unrealistic for most people. However, through this question, I want to tell you that winning the prize in China is inseparable from the study and application of investment science.

Investment is a modern skill that everyone must learn and use, whether it is a high net worth group or a working class. More money, more investment, less money, less investment means.

Wealth is accumulated bit by bit. Only by rational use of investment can we truly realize the freedom of wealth and food and drink in a day.