Although there are currently 2 1 different money fund products docked with Yu 'ebao, the overall income is not high, all below 2.5%. Among them, the highest annualized income of Huaan Ririxin Currency A(040038) products on seven days is 2.468%, and the income per ten thousand copies is 0.6849 (June 22nd).
In other words, 300,000 yuan is put in the balance treasure, and the daily income is only: 300,000110,000 × 0.6849 = 20.54 yuan!
20.54 yuan a day, the money depends on whether you can support yourself, needless to say! I'm afraid you can't even drink porridge for breakfast, lunch and dinner, or even eat steamed bread.
Let's put inflation aside for a while. 300,000 yuan, medium and low-risk wealth management products, such as certificates of deposit, fixed-term wealth management, structured deposits and smart deposits, the annualized rate of return fluctuates around 5%, and the annual wealth management income is only 1.5 million yuan, with an average of 1.25 million yuan per month. This money, in today's society, is just barely enough to support yourself!
And if you try high-risk investments, such as stocks and futures, it is indeed possible to earn more than 5,000 yuan or even 10000 yuan a month, but the principal is likely to face losses! Once the investment fails, 300,000 will become 65,438+10,000, and it will be even harder to support yourself!
Moreover, if you are near retirement age, you have 300,000 wealth management products, plus a pension, and there is no extra burden. It is understandable that you don't work and enjoy life! And if you are a person who has not yet reached the age of no doubt, there is no reason not to go to work! There are parents in the world, children at the bottom, and a family to support in the middle; There are also mortgages, car loans and children's education. Only 300 thousand, far from enough to live!
Now investing 300,000 yuan in Yu 'ebao Monetary Fund really doesn't understand the market of our financial management.
In fact, the money fund is famous for its flexibility and safety, which can be withdrawn in time and cashed quickly, but its corresponding rate of return is not high.
At present, the 7-day annualized interest rate of Tian Hong Yu 'ebao Monetary Fund is 2.323%. If you save 300,000 yuan, the annual interest is only 6,969 yuan, and you can't support yourself with this interest.
The prosperous days of Yu 'ebao are actually 20 13 to 20 17, and the corresponding fund return rate can reach 5%~6%. In this case, it is far better than bank deposits or various wealth management products. People soon realized the essence of Yu 'ebao, so the scale of Yu 'ebao expanded rapidly, reaching a maximum of 1.79 trillion yuan.
However, with the tightening of the central bank's regulatory measures, the yield of the money fund began to decline rapidly from 20 18, directly dropping by about 4.2%, and now it is 2.3%.
However, the bank's wealth management products are also constantly innovating, such as structured deposits and certificates of deposit. Certificate of deposit is a kind of deposit, with guaranteed principal and interest, starting from 200,000 yuan, and the three-year lump-sum deposit and withdrawal interest rate is 3.85%~4.2625%. So, which income is higher? Obviously.
At present, the average yield of bank wealth management products is between 4.2% and 4.3%, so if you have a lot of cash, you can buy the corresponding bank wealth management products.
The biggest advantage of money funds is liquidity. So in the short term, the money we don't need can be deposited in the money fund, and it is enough to put 3000~2000.
Another mythical question.
What is 300,000 in China today? The standard of ordinary working families. If you rely on this money to do some small business and support your family, it is still possible. If you just put it in the Yu 'ebao and wake up, it will make your hungry eyes see stars.
At present, the yield of Yu 'ebao is around 2.3%. We calculate 2.5% here. Yu 'ebao earns 7,500 yuan in 300,000 years and 625 yuan per month.
If you are in the countryside, and all the food at home is self-produced and can be maintained, then you can only starve in the city.
If you live in a building in the city, you have to pay at least 5000 yuan a year for property management, heating, utilities and internet access. Even if you don't consider these, a single meal will cost more than ten yuan a day (cook completely by yourself and try not to eat meat. ), 625 yuan is barely enough to eat. Clothes can only be bought at the stall for more than ten yuan, and only once or twice a year.
In life, you can't have any social activities, get sick or travel. Luxury drinks such as cola above 3 yuan can only be seen, but you can't buy them, because they are food for one day.
It's good to have a deposit of 300 thousand. Don't try to support yourself with this little money. Good works are the inevitable choice of the people we are fighting for.
To realize wealth freedom, one is to make good use of existing assets to preserve and increase their value, and the other is to work hard to earn more wealth.
Work hard, my friend!
Hello, friends!
Not enough to feed yourself! Put 300,000 yuan into Yu 'ebao, and there won't be much interest in the second year. You can't support yourself with this interest. Let's analyze it.
If it's 300 thousand, it's really not much interest. At present, the seven-day annualized rate of return of Yu 'ebao has been hovering around 2.3%. The latest 7-day annualized rate of Yu 'ebao as of June 2 1 is 2.326%, and the income per 10,000 copies is 0.626 yuan. If you deposit 300,000 yuan in Yu 'ebao, the daily income is 18.78 yuan, and the interest for 30 days a month is 563.4 yuan. The total interest for 365 days a year is 6854.7 yuan. Such interest income is undoubtedly difficult to support a person. Let's analyze it.
300,000 yuan is deposited in Yu 'ebao, with annual interest of 6,854.7 yuan, with an average of 57/kloc-0 yuan per month. Such interest income is far below the minimum wage in many places, such as Beijing's minimum wage is 2 120 yuan and Zhejiang's minimum wage is 1500 yuan. If it is from the minimum wage standard, it can be said that it is difficult to support itself.
In terms of actual consumption, according to the current living standard, less than 20 yuan a day, excluding rent, property fees, utilities, heating and other expenses, excluding daily expenses such as oil, salt, sauce and vinegar, and grocery shopping, is really not enough to spend, and it is impossible to support itself. 57 1 yuan a month really can't support yourself.
To sum up, if you put 300,000 yuan into Yu 'ebao, the interest for one year is 6,854.7 yuan, and the interest for one month is 57 1 yuan. This interest income is far below the minimum wage in many places. You can't support yourself by interest alone.
Thanks for reading!
300,000 yuan is put in Yu 'ebao for one year, but there is actually not much interest. The interest may be less than 1 000 yuan. If you are diligent and have a house, you don't need to engage in too many social activities, just take a little food expenses, which I think is similar. But if there is a higher pursuit of life. Sometimes, if you travel and buy some goods, you may not have enough money at all.
At present, the annualized rate of return of Yu 'ebao has dropped to 2%, less than 3%. I think a flexible financial product like this is still worth investing if the yield can reach 3%, but the current yield is too low. Personally, I hardly put any money into it.
Well, I have to sigh, now the questioner has a little job. Someone asked, if you have a house and a car 1 10,000 yuan, can you still support the elderly at the age of 50? Others ask, how much does it cost to achieve financial freedom? Passive income is enough for living expenses. Others asked how much money they could use to hoard goods to support themselves. Others asked how much money they could use to hoard goods to support themselves. Here I remind everyone that life and work are both necessary, and don't always think about taking some shortcuts. As a member of society, we have the obligation to contribute our own labor to society.
As of June 2 1 day, the annualized rate of return of Yu 'ebao was 2.452% on the 7th and 2.428% on the 30th. Considering that several developed countries have cut interest rates recently, although China has not cut interest rates at present, it does not rule out the possibility of cutting interest rates after stimulating the economy to cope with the Sino-US trade war. Therefore, the income of Yu 'ebao in the next year may drop to about 2.3%. The interest on saving 300,000 yuan for one year is 30w * 2.3% = 6900 yuan. If you live in a first-and second-tier city, this may be your rent for two months, so open source is still needed. Only by relying on continuous cash flow inflows such as wages and bonuses can we ensure our own food and clothing.
1.30 million is a waste of resources. I will arrange it according to my idea. Now the yield of the money fund has fallen below 3%. The money fund itself is a deposit property, which is safe and flexible, with low income and low risk. Among the four basic fund types, the money fund has the lowest income and risk. It's not worth putting in 6-7K a year. This interest is not enough to support yourself. Even if they are full, the whole family is not hungry.
2.3 million, leaving only 50,000 emergency funds in Yu 'ebao, taking Yu 'ebao as a daily cash management account, and the remaining 250,000 can be used to increase income.
If 200,000 yuan is in a big city, find four major banks to buy large deposit certificates, and the interest rate will reach 4%-5% in three to five years. If you are in a small local city, find a large deposit certificate from a local bank with an interest rate of more than 5%. This is the first choice for ordinary people to protect their capital and manage their finances. Then 50,000 yuan will be used as regular financial management. There are many regular wealth management products of asset companies and banks on Alipay. The money can be used flexibly according to the use cycle, such as 7 days, half a year and 360 days. Regular financial management has higher income than current and fixed deposits, and it is also a higher income on the basis of taking risks and locking cash flow.
At present, many local banks compete with the four major banks through Internet business. Many innovative smart deposit products have interest rates above 5%, such as 5.8% of Yilian Bank. This kind of deposit is also the attribute of bank deposit business, which is guaranteed by deposit insurance and the underlying configuration of safe financial management. It is also flexible. Then take out some funds for long-term fixed investment financing, such as fixed investment financing of index funds, plan a fixed investment plan of index funds for 2-3 years, so that this spare money can achieve the purpose of fighting inflation and saving, and change the spatial cycle of value-added through time period.
Do you have a better plan? Say it in the comments section.
According to today's 7-day annualized balance treasure of 2.45%, 300,000 yuan, with an annual interest of 7,350 yuan, the interest earned in one day is also 20. 14 yuan. For this figure, I think it should not be enough for most people's daily expenses. If you live in the countryside, have your own house, grow your own fields and vegetables, and be self-sufficient, it is possible to support yourself without other expenses. Moreover, for future consideration, Yu 'ebao's income can't resist inflation at all. According to CPI data, that is, the depreciation rate of your money, your money will continue to depreciate. Think about how many things you bought more than ten years ago. What can you buy now?
Why have so many people asked similar questions recently? In fact, whether 300,000 yuan's personal life in Yu 'ebao is enough is different for everyone, because everyone's pursuit of life is different.
If there is no requirement for the quality of life, 300,000 yuan will be put in the balance treasure, and I think the interest should be enough for basic living.
At present, the 7-day annualized income of Yu 'ebao is around 2.5%. If you put 300,000 yuan into it, the annual interest will be about 7,500 yuan, and the monthly living expenses will be about 625 yuan, which is about 2 1 yuan a day. If you put it in the countryside, I think it should be enough to live alone, 2 1 yuan. Besides, you still have 7 yuan to buy a pack of cigarettes occasionally.
Therefore, the income generated by putting 300,000 yuan in Yu 'ebao is enough for you to live alone in the countryside, but only in the countryside. If you live in the city, you can't, because once you go out, you have to spend money. Sometimes your bus fare of more than 600 yuan a month is not enough. So if you want to save 300,000 yuan in Yu 'ebao and live on interest, you have to go back to the countryside to support the elderly. If you have land in the countryside, you can plant some plants and raise some chickens, ducks and geese, so that your life can be more moist.
But if you live in a city or a slightly developed rural area, then the 300,000 yuan in Yu 'ebao is simply not enough for living expenses.
At present, the cost of living in cities is very high. Even if you have a house in the city, more than 600 yuan a month is not enough to live in. Unless you eat instant noodles every day, you have to stay at home and don't go anywhere, because going out in the city basically costs money.
If you rent a house in the city, don't think about living on more than 600 yuan. You may not even be able to rent a single room with more than 600 yuan, let alone live.
At present, in many cities, you can't live without living expenses of 5000 yuan a month. If you want to have a living allowance of 5,000 yuan, the balance of Yu 'ebao account must be more than 2.3 million yuan to ensure a monthly income of 5,000 yuan.
Finally, even if everyone has a lot of money, don't just want to put it in the balance treasure and do nothing, because there are many things to do in life besides eating, drinking and having fun.
At present, many people think that they have a lot of money in the bank or Yu 'ebao, just paying interest and doing nothing. This idea is understandable if everyone is over 50 or 60 years old, but it is very dangerous if everyone is only young people in their twenties and thirties. After all, there are many things to do in life besides eating, drinking and having fun, and work is also a kind of pleasure in life. Some things cannot be measured by money.
Can't! Interest is about 20 pounds a day.