According to relevant statistics, the number of households that can withdraw more than one million deposits in China does not exceed 1%.
Therefore, at the age of 46, you can have 2 million deposits, which is definitely a winner in life.
If you don't want to go to work and take risks, then put this two million in the bank, and the annual interest is enough for your daily expenses.
1. Buy government bonds
202 1 the first and second phases of electronic savings bonds were officially put on sale on April 10. Among them, the interest rate of 3-year treasury bonds is 3.8%, and the interest rate of 5-year treasury bonds is 3.97%.
Investors can purchase through six state-owned banks and 10 joint-stock banks.
2 million to buy a three-year national debt, you can get the interest every year is:
200 380 = 72,000 yuan
On average, every month, the interest is 6000.
The interest rate of five-year national debt is 3.97%, and the interest you can get every year is:
200 397=79400 yuan
On average, you can get 6600 yuan a month, and the income of more than 6000 yuan a month is already a middle income level in many third-and fourth-tier cities.
Without debt, it can fully meet the normal living expenses.
And if you buy national debt, it is the lowest risk in all financial activities, because the most important thing is that it can keep your principal.
2. Asset allocation
Now many people advocate buying funds. If you have some research on fund management, you can invest by yourself.
Buy some government bonds, certificates of deposit, fixed investment funds and so on.
Reasonable asset allocation can make your annual income reach more than 5.0%.
The income of 2 million RMB reached 5.0%, and the annual interest was 654.38 million RMB, with an average of more than 8,000 RMB a month.
Therefore, it is terrible to be unemployed at the age of 46, but it is not terrible if you have 2 million deposits.
More than 8,000 yuan a month, you can live a well-off life in any city in China.
There is an epidemic now, and all walks of life are having a hard time. Investors in physical stores and online stores, nine out of ten pay tuition fees for nothing, and the remaining one is half dead.
Give the most practical advice, find a simple and easy job, can work nine to five, have five insurances and one gold, and the salary doesn't matter, two or three thousand, three or four thousand.
Because no one can exist alone without society.
Social security and medical insurance play a very important role in the United States. If you are seriously ill and have no medical insurance reimbursement, maybe your 2 million deposit will shrink by more than half.
Social security for the elderly is equally important. When you retire, it will be a steady income.
Therefore, at the age of 46, he has 2 million deposits and is not worried about unemployment at all. If he wants to enrich himself, he will find a relaxing job, nine to five. If you want to be free, you can play cards and drink tea. There's no need to call again.
Speculate on stocks and futures. Listen to me, it's true, life is wonderful because of it (nine colors)
If the children are good enough. Without financial help, cities below the third and fourth lines can live comfortably.
My friend, in the current background, or in the eyes of many middle-aged unemployed people struggling for a living, your confession can have a star effect. Although your achievements in life, or the wealth you earn, are not as big and as much as those of the richest people, it is something that ordinary people dare not even dream of, which really makes people envy and admire.
This fully proves that you are a person with brains, skills and ability to make a lot of money. If your 2 million deposit is compensation for demolition, then you are considered capable. Because it is not easy to keep money.
In a sense, your unemployment status is obviously different from that of ordinary people, so you have to find a new job. You are called unemployed, without any ideological burden and worries.
According to some friends, you have your own house and there is no pressure to repay the loan. You just eat the interest from the bank and live a much better life than the average person.
Listening to the voice, I can see that you are not willing to spend a lot of money and want to continue to earn more money at this age. This is a good thing! Who's afraid of more money being bitten? I especially appreciate your idea of making more money without being empty.
You ask yourself what to do. I have a few ideas to tell you, so I should make some suggestions.
One is to run kindergartens.
According to my market survey results, the kindergarten market in one or two cities is not saturated, and there is still a certain market demand.
Moreover, child care service is a sunrise business, and the state actively encourages private capital to participate, which is supported by many preferential policies. So there is no so-called risk in running a kindergarten. It can be said that it is not only drought and flood, but also fame and fortune. Why not?
The second is to run a nursing home.
According to my market research, the potential demand for old-age care in cities is growing.
The state is particularly willing to support private capital to participate in this cause that benefits the country and the people. The common people also particularly prefer middle and low-grade pension institutions with low consumption.
Therefore, it should be your wise choice to grasp the consumer psychology that ordinary people want to enjoy the aged care service but don't want to spend more money and run a more grounded and popular nursing home. It would be great if we could use the resources of grassroots communities.
The third is to run a waste collection station.
I think the waste recycling industry is an industry with little investment, and it can only make money but not lose money. It is a very vital industry.
My theoretical basis is that with the influx of population into cities and the improvement of people's quality of life, people are even less willing to be tired of all kinds of outdated items, so the desire to give up excess materials is getting higher and higher.
Therefore, we can expand the market scale by purchasing waste products. In addition, street vendors are mostly restricted by urban management, so this provides opportunities for the survival and development of relatively fixed waste collection stations.
If you want to return to the stock market the night before liberation, you should enter the stock market. 800,000 friends entered the stock market and worked hard for more than two years. Before New Year's Day, his 800,000 yuan lost 6.5438 million points. If you want to keep your 2 million, you can change your job.
To tell the truth, in your current state, if you buy a house you just need in a fourth-tier town in a non-economically developed area, including the decoration of household appliances and furniture, about 800,000 yuan can be solved. 200,000 yuan to buy a pension and medical insurance for yourself, save 6.5438+0 million yuan, and then find a job.
Whether you are a man or a woman, you are under retirement age and should continue to work.
46 years old is not young. If your children and family have their own sources of income and don't need help, you will realize the freedom of wealth.
If you don't have high demands on the material aspects of your life, then whether you keep it in the bank or use it for prudent financial management, the income you get is enough for your daily living expenses.
You can do what you like according to your hobbies, such as traveling, fishing, photography and so on.
Go to work when you are bored, find something relaxing, and go out for a walk when you are bored.
What do you think of this suggestion?
I really envy you people who want to have children early. My children have to work even after graduating from college, and I have to be 55 to consider retirement! What the old man said makes sense [covers his face].
You can take a little money to stock market, learn slowly, don't take a lot of money to stock market, just a little. It's ok to make a little money.
Assuming there is no economic crisis, you, your parents and your children are all healthy, so you don't need to buy a house for your children and spend money on education (the possibility is zero). /kloc-After 0/0 years, the purchasing power of 2 million is almost equivalent to about 6.5438+0 million, and 500,000 in 20 years. When you are over 60, you will only have enough food and clothes. Therefore, life is not just a struggle.
You're lucky you don't have into the pit. Do nothing for the last two years. Safety comes first when the environment is not good. I'd rather have a good rest and adjust for two years. Controlling household consumption for two years can't cost 500 thousand, at least there is some savings. From 20 17, the economy began to decline, and the epidemic became the last straw to crush camels. How many small, micro and individual enterprises went bankrupt in the past two years? ! How many people in China lost their jobs in the epidemic? How many people are bankrupt? Many personal credit information has entered the blacklist. The reality is that 2022 will be even worse, and the post-epidemic era has begun to deeply affect the end! ! The economy is going down and consumption is very weak. Where is the end?