The annual salary of senior white-collar workers in Beijing, Guangzhou and Shenzhen is about 200,000, which is equivalent to 10 times the income of senior white-collar workers. It is conceivable that life is still very moist. And you don't have to work nine to five, and you don't have to work overtime. Your own time is entirely up to you. It can be said that in the eyes of senior white-collar workers, that is the life that immortals can live!

It is quite good that senior professional managers and social elites in the north, Guangzhou and Shenzhen can get more than 1 10,000. A friend of mine, a project manager of a venture capital company in Shanghai, holds a master's degree in finance from a famous university, and has worked for 15 years. His annual salary is more than 900 thousand, which is said to be relatively high in the industry. Therefore, in the eyes of senior managers, enjoying 2 million interest is also respected.

But in Shanghai, for example, the price of a house per square meter is 65,438+10,000 yuan, which means that it takes 10 years for this gentleman to buy a house of 200 square meters without eating or drinking. If this gentleman buys a house in Shanghai, his quality of life may not be as good as that of the ordinary working class in a small county.

Ordinary life is enough! If it is a good life, it may not be enough.

1. Ordinary life is enough for a bank with one billion deposits. Basically, you can negotiate the interest rate with the bank. It is easy to get an annual interest rate of 4% a year, and you can also pay interest on a monthly basis. Under such circumstances, a bank with one billion deposits has an interest income of 4 million per year and 333,300 per month.

This kind of interest income is enough to live a fairly good life. You can often eat big meals, buy hundreds of thousands of cars, buy some good things properly and travel frequently, which is enough to live a fairly good life.

But if you want a better life, such as a luxury car and a special plane, it may not be enough.

2. Living a good life may not be enough. If you want to live a good life, the interest of 4 million yuan a year may not be enough. Many people think that a good life may include the following things.

Buying a luxury car at hand may cost two or three million yuan, or even more expensive. Just buy a few brand-name bags, and a brand-name bag may cost hundreds of thousands. I often collect some famous watches. Basically, a famous watch costs hundreds of thousands. I also want to collect some famous calligraphy and paintings and antique Wan Wen, one of which may cost hundreds of thousands or even more. Plus a suit may cost tens of thousands of yuan, which may not be enough. Not to mention some people want to buy a special plane, or play yachts, buy a manor, buy an island and so on.

Therefore, if you want to live a good life like this, there may not be enough banks with one billion deposits, and you may need several billion deposits.

3. Conclusion To sum up, a bank with one billion deposits can live fairly well, but if you want to live a good life as mentioned above, then one hundred million deposits may not be enough, and several billion deposits may be needed.

100 million cash in the bank will surely lead a life that everyone envies.

1 100 million yuan is deposited in the bank. If it is a small or medium-sized bank, the interest can reach more than 5%~6%. But in case of bank failure, the maximum compensation is 500,000.

If this money exists in a large commercial bank like China Agriculture, Industry and Commerce, the possibility of bankruptcy is much lower, but the upper limit of interest rate is generally around 4.26%. This interest rate is really not too high, but banks can also give you some other benefits by returning some office expenses or providing quality services. For example, if you get a job with an annual salary of 6.5438+0 million, you don't have to go to work and even arrange a car service. If you rent a house, you can also provide you with a free apartment, and so on.

However, you can also buy bank wealth management products, and the yield can reach 7%~8%. However, wealth management products and deposits are not the same thing, and wealth management products may lose money.

If you buy government bonds, the five-year savings bonds interest rate is only 4.27%, with an annual interest of 4.27 million.

The annual interest income of more than 4 million, plus a stable job, is enough for everyone to envy.

Young people who are now working hard in first-tier cities earn more than 10,000 yuan a year. Even senior white-collar workers earn only 400 thousand to 500 thousand a year, and they have to work hard. Many people are 996, even seven days a week without stopping.

However, few real billionaires just keep their money in the bank.

Putting money in the bank is actually the pressure of inflation. Especially every year, we take away the interest and spend it, leaving only the principal. The annual income of 4 million now is different from that of 4 million decades later.

Just because the bank has interest now doesn't mean it will have interest in the future. With the continuous development of the country, no one can guarantee that we will not have zero interest rate or even negative interest rate in the future. As we all know, Japan has been implementing negative interest rates for many years. We deposit money in the bank without interest, and even pay a handling fee to the bank. In this case, who wants to deposit 100 million in the bank?

Among the billionaires in China, real estate speculators account for 15%, professional investors account for 10%, and the remaining 75% are business owners.

Although no billionaire will pay interest for a billion-dollar deposit bank, some billionaires will buy more than 100 million dollars of commercial insurance.

Li Ka-shing once said that his real wealth is adequate commercial insurance for his family. He bought a commercial annuity insurance of HK$ 1 100 million for every grandchild, which can guarantee that they will be billionaires all their lives from birth, with dividends of several million each year.

Therefore, financial management needs a long-term perspective, and it is really not recommended to deposit money in the bank, hehe.

If 1 100 million is not enough, can I give you 1 100 million?

1 100 million also asked if you can live a good life in first-tier cities by interest?

There are 1 100 million people wondering how many lives they have left to spend the money. What is a good life? Happiness can be bought, but happiness is hard to buy?

1 100 million, according to the regular benchmark interest rate 1, it also earned millions a year. Besides, the rights and interests that these deposits can enjoy in banks are even worse. You can travel abroad several times a year, free air tickets, and spend whatever you want.

The annual income is one million, and it is also a minority in first-tier cities. Look at the expected salary level of college students. Can you get it? Needless to say, it is basically higher than the actual salary 1000 yuan.

The annual income of migrant workers in Beishangguang 10 can't compare with your interest of 100 million a year. This 10 people have a good life. Are you still afraid of being bad?

What are you afraid of?

1 100 million can already achieve financial freedom! 654.38 billion, don't go to the five major banks, find a local bank with good strength, and the interest can be higher. If the money is not used to invest some money from time to time, it is no problem to deposit a huge order with an annual interest rate of 6%. If you sign a huge directional loan with the bank, the annual interest rate can reach 8%.

We will combine the average income of fixed-term, large-sum, borrowing, wealth management, etc., and calculate according to the five-year average of 7% annualized, and the annual capital income will be 7 million.

A man with such a large sum of money can't have a house, can he? It's impossible to buy a18 million property and repay the loan, right? So let's just ignore this. This 7 million yuan is all your disposable funds, averaging 1, 9 1.87 yuan every day. Your "daily salary" is much higher than the average monthly salary in Shanghai, which is roughly equivalent to the income of 50 people. It's good from beginning to end. It's good.

According to statistics, according to the proportion of revenue and expenditure in China, the threshold of financial freedom is 20 million. Considering the high cost of living in first-tier cities, this figure can be multiplied by 2, which is only 40 million.

What does financial freedom mean? You can get a high quality of life even if you don't work. People with a passive income of 7 million a year like this don't have to care about their own life, just travel around the world all year round.

654.38+0 billion bank cash deposits,

The bank must love you or not.

First of all, let's take a look at the most embarrassing situation.

According to the benchmark interest rate of demand deposits,

One-year fixed deposit interest rate 1.5%, and one-year interest rate 1.5 million yuan is enough.

Moreover, this is a risk-free interest rate.

Such income can lead a good life in any city.

Secondly, we can also look at how to optimize the deposit structure and get more interest income.

If you want to improve the return on assets,

In addition to depositing in the bank, there are of course many other investment options.

For example, buying government bonds can also improve the return on assets without risk.

Now that the topic has been said, that is, to deposit money in the bank for interest, we will not consider other investment options here.

It should be noted that even deposit banks can obtain higher interest income by optimizing the deposit structure.

One is to split it into several funds and deposit them in different banks.

For example, with 100000 as 10 banks, there are10 different banks, including the four major state-owned banks and joint-stock banks.

Cash100000 yuan is a big customer in any bank, and the deposit interest rate can be negotiated and floating.

In addition, the deadlines can be staggered. For example, almost every other month, there are 6.5438+million deposits.

In this way, almost every month, there are more than 6.5438+0.5 million interest income and maturity deposits, forming a stable and continuous cash flow.

One is to split it into several funds and deposit them in the same bank for different periods.

For example, it is divided into 6.5438+million plus three 30 million, and 6.5438+million is saved for one year.

Even if no floating interest rate is agreed, the deposit interest rate 1.5% and annual interest 1.5 million can be taken;

Three 30 million, followed by three years, with an interest rate of 2.75% and an annual interest of 2.475 million.

The four deposits add up to an annual interest of 2.625 million.

In this case, it can obviously be much higher.

If a person has 100 million yuan in cash, he won't be in the bank.

For example, an ordinary person, saving money is not a problem, the problem is that there is not so much money to save. 100 million cash. I can't even think about it. There is no question of depositing huge sums of money in the bank.

For example, a capitalist will seek the best way to make money from wealth, and it is not his best choice to deposit money in the bank to earn interest.

For example, a big corrupt official, who has 100 million cash, would rather hide in a place he thinks is safer than have interests in the bank. Maybe one day he will go to prison.

For example, a Vietnamese who has 100 million Vietnamese dong in the bank and wants to live in Beishangguang on interest will only be better than Zimbabwe and can't afford a round-trip ticket.

It can be inferred that the people who can live a good life in Beishangguang will not be those who deposit 100 million yuan in cash in the bank for interest.

Hello, futures Chu Xiao, as a so-called old man and national financial planner who has been engaged in the financial industry for more than ten years, has many years of financial management and investment experience. Let me answer this question briefly.

First of all, let's look at the national per capita disposable income in 2020.

In 2020, the per capita disposable income of the national residents will be 32 189 yuan, a nominal increase of 4.7% over the previous year, and a real increase of 2. 1% after deducting the price factor. Among them, the per capita disposable income of urban residents was 43,834 yuan, an increase of 3.5% (unless otherwise specified). After deducting the price factor, the actual increase was1.2%; The per capita disposable income of rural residents 17 13 1 yuan, an increase of 6.9%. After deducting the price factor, the actual growth was 3.8%.

In 2020, the median per capita disposable income of the national residents was 27,540 yuan, an increase of 3.8%, and the median was 85.6% of the average.

Secondly, look at the per capita consumption expenditure and bank deposit income of the national residents.

In 2020, the per capita consumption expenditure of the national residents will be 2 12 10 yuan, which is 1.6% lower than the previous year in nominal terms, and 4.0% lower in real terms after deducting the price factor. Among them, the per capita consumption expenditure of urban residents was 27,007 yuan, down by 3.8%, and after deducting the price factor, it actually fell by 6.0%; The per capita consumption expenditure of rural residents 137 13 yuan increased by 2.9%. After deducting the price factor, it actually decreased by 0. 1%.

Deposit interest refers to the interest paid by the bank to depositors. The amount of deposit interest varies with the type of deposit and the length of term. The longer the deposit period, the higher the interest income of depositors; Demand deposits are the most unstable, so depositors have the lowest interest income.

As a general deposit, the interest rate of certificates of deposit is higher than that of time deposits of the same term. Most of them rise by 40% on the basis of the benchmark interest rate, a few banks rise by 45%, and time deposits generally rise by about 30% at the highest.

Third, back to this question: "If you deposit 100 million yuan in the bank, will the interest be enough to live a good life in the north, Guangzhou and Shenzhen?"

Through the above analysis, we simply calculate the bank deposit 1 100 million yuan according to the 4% certificate of deposit, and the annual interest is about 4 million. The monthly interest is 332,300, which is just after-tax income. As the deposit interest income is tax-free, the one-year deposit interest income is 3.988 million yuan.

If it is a lifetime, the interest rate of commercial banks is usually only 0.3% (the benchmark is 0.35%), then one hundred million * 0.3% = 300,000 a year.

Moreover, our living standards are improving and prices are rising, but it is absolutely no problem to support ourselves with the interest of 100 million deposits for one year.

Of course, this is just a hypothesis. If you do have 654.38 billion, I don't think many people will be in the bank. After all, most people want to make a lot of money, and they will definitely choose to invest or choose a high-risk and high-yield financial management method. Unless they are elderly people who don't want to toss about, they are more practical in putting their money in the bank. What kind of life can you live with interest if you deposit 654.38 billion yuan in the bank? Bank executives give the answer ~!

Based on the zero risk calculation of 4%-5%, the deposit 1 100 million has a profit of 4 million to 5 million (zero tax return). Living in the first-tier cities of Beijing, Guangzhou and Shenzhen is simply the top class in the pyramid! It's not just a good life, you can do whatever you want!

If the annual interest (four or five million) is deposited in the bank, it is an annual income of 250,000. Then, what percentage of people in the north, Guangzhou and Shenzhen have a real net income of 250,000 a year (20,000 after tax every month)? I think everyone must have a good idea!

So, wake up!

Yes, no problem at all. As long as there is enough money in the bank, you can live a rich life by interest alone.

Even if the minimum deposit rate is 2%, if 1 100 million yuan is in the bank, the annual interest income will be as high as 2 million yuan! This income exceeds 99% of people in Beijing and Shanghai! Moreover, 1 100 million deposits are in the bank. How can the interest rate be only 2%? The interest rate of large deposits can be close to 4%, so in fact, the annual interest income can be 4 million yuan!

Many people may think that 100 million cash in the bank needs to rent a house, which may not be good. But don't worry about this at all, because renting a house can also have a good living experience. After all, there are many high-end apartment projects in Beijing, as long as you are willing to spend money. What's more, renting a house is only temporary. There are 100 million cash in the bank, and it only takes two or three years to collect interest to save the money for buying a house. There is no need to worry about life.

4 million a year, 8 million in two years! Two years of interest income can buy a suite in Beijing and Shanghai. If such people can't live a good life in the north, Guangzhou and Shenzhen, how many people in China can live a good life in the north, Guangzhou and Shenzhen?

But the only question is, do you have 100 million cash now? This is a really worrying problem. After all, even billionaires now have only over 100 million assets, a large part of which may be real estate and stocks. Not many people can really come up with 100 million cash, or even very few. After all, everyone knows that money is depreciating constantly, and the money in the bank will only become less and less valuable!

Moreover, most people with 100 million cash don't want to put their money in the bank for nothing, but want to take it out to start a business, earn more wealth and make greater contributions to society by the way. So even if many people have 100 million cash, they won't end up in the bank.

So this question actually has no practical significance. Can only make us fantasize and indulge. It's time to get back to reality. Those who should go to work should go to work and those who should cook should cook.