Now some areas don't have to go to work. From now on, 6,543,800 yuan will be put in the bank. According to the yield of 4%, there is an interest of 40,000 yuan a year and an interest income of 3,333 yuan a month. And this income is tax-free, equivalent to after-tax income of 3333 yuan. This actually belongs to the lower-middle level in the whole country. According to the national average consumption expenditure of 20 thousand yuan last year, there is no need to go to work in many parts of the country now.
Can you rely on interest and not have to go to work in the future? However, we have overlooked a problem: the currency will depreciate and the bank's interest rate will fall. 1999 The bank deposit interest rate was as high as 9%, and now the bank interest rate is only 4%. Moreover, due to the special situation of this year's epidemic, the central bank has provided sufficient liquidity to banks, so the interest rates of banks are also falling. In the long run, the deposit interest rate of banks will also drop, and the interest income will also drop.
There is another important question. The currency is depreciating. China's M2 currency balance has risen from several trillion to several trillion now, and the currency depreciates by 6%~8% every year, which means that the purchasing power of 3,333 yuan per month is only a few hundred dollars after 10 years. Can a few hundred dollars survive? It is out of the question.
To sum up, there are 6,543,800+banks, and some areas can survive on interest. However, with the devaluation of the currency and the decline in bank interest rates, it is impossible not to do interest work in the future, but it is ok if you say that you don't have to do interest work in the last year or two.
Let me give you a reassuring answer. 654.38+00,000 yuan in the bank, you don't have to go to work just by paying interest, and the bank will also contract all your daily necessities.
In addition, I also want to tell you that if you deposit/kloc-0 million in the bank, you will get not only interest, but also many bank benefits that you don't know about. Don't ignore them.
According to the data released by the National Bureau of Statistics, in 2020, the per capita income of China residents will be 32 189 yuan, and the average monthly income will be about 2,682 yuan. In other words, in fact, the monthly income of most China residents is still below 3,000 yuan.
So, is it difficult to earn 3000 yuan interest every month? Not difficult!
Bank time deposits, including ordinary time deposits and "certificates of deposit", have higher interest rates than ordinary time deposits under the same term.
Now we need to study how to get more deposit interest, so let's directly introduce the "certificate of deposit".
In the bank where I work, there are six kinds of certificates of deposit:
(1), 3 months, and the annual interest rate is1.595%;
② 6-month term, annual interest rate1.885%;
③ 1 year, with an annual interest rate of 2.325%;
④ Two years ago, the annual interest rate was 2.835%;
(5) For 3 years, the annual interest rate is 3.7125%;
6. The term is five years and the annual interest rate is 5.225%.
You must want to know how much interest you can receive a month if you deposit one million yuan. Many people can't count. Let me show you the algorithm. It's simple. It works at first glance:
? Deposit 1 year certificate of deposit:
1 10,000 yuan 2.325% (interest rate) 12 (month) = 1937.5 yuan;
? 2-year certificate of deposit:
1 10,000 yuan 2.835% (interest rate) 12 (month) = 2,362 yuan;
? 3-year certificate of deposit:
1 ten thousand yuan 3.7 125% (interest rate) 12 (month) =3093 yuan;
? Five-year certificate of deposit:
1 10,000 yuan 5.225% (interest rate) 12 (month) = 4,354 yuan.
As you can see, the longer the deposit period, the higher the interest you get. A three-year certificate of deposit can basically meet your requirements. If you deposit a five-year certificate of deposit, it can even reach 4354 yuan. This kind of income can be said to be quite abundant in some third-and fourth-tier cities or counties.
Friends who have never been to a bank for time deposit will never know the inside story of bank benefits. Presumably, many people have 6,543,800 yuan in their hands. The main question is which bank has the highest interest rate?
In fact, if you deposit1100,000 yuan in the bank, you will get not only interest, but also at least the following three additional benefits:
First, be polite at ordinary times. There are gifts when you deposit in a bank, and the gifts given by different banks are different. Like my previous bank, conventional gifts include rice, oil, vacuum cleaner, rice cooker, microwave oven, electric car and so on. And if you regularly deposit/kloc-0.00 million, you can often get the highest level of gifts, which is a welfare that cannot be ignored.
Second, holiday benefits, no matter which bank can deposit one million regular customers, they are all VIP customers, and the bank will send you holiday greetings and condolences on some special holidays. You can also give some very rare concerts and concert tickets to VIP customers through the advantages of the bank. Most importantly, you will organize VIP customer appreciation meetings at festivals from time to time to help you meet more high-end people and expand your circle of friends.
Third, distinguished VIP service, if you deposit 654.38+00,000 yuan in the bank for a year, you will definitely reach the VIP customer level of the bank, then you can apply for an exclusive VIP card. What are the advantages of applying for a VIP card? I think there are at least two important benefits:
? Give priority to business. VIP cards are used all over the country. For businessmen and friends, time is life. As we all know, you will occasionally encounter some tricky business in the bank, which will lead to a long queue time, and VIP cards can greatly save you time.
? For example, when you return home during the Spring Festival, you can be liberated from the bustling waiting crowd, so that you can have a good place to rest and relax, enjoy the food and coffee in the VIP room for free, and give you a leisurely and comfortable travel experience.
First, the principal is secure. The term of deposit is different from that of wealth management and fund products. Bank's regular products guarantee capital preservation and income. We deposit money in the bank for fixed interest, but the premise is to ensure the safety of the principal, which is a feature that financial management does not have.
Second, life is guaranteed. The epidemic in 2020 gave a great shock to many people who don't know how to save and have no deposits. Many people not only have no money to live, but also lose their jobs. At this time, how important it is to have a deposit and a regular product that can continue to earn income.
Third, the deposit is guaranteed. You may not know that according to the requirements of the People's Bank of China, every bank has to buy deposit insurance. This insurance is bought by the bank itself. Even if the bank goes bankrupt one day, your deposit will still be paid by insurance. An institution can pay up to 500 thousand. (If there is one million, it is recommended to deposit it in two banks. ) Now you should rest assured, right?
To sum up, in fact, if you deposit RMB 6,543.8+0,000 in the bank, you can not only get the highest monthly interest of RMB 4,354, but also get gifts, condolences and VIP services from the bank.
More importantly, you get a kind of inner peace, even if you don't work, you don't have to worry about life problems, and life can be more leisurely.
If you have 1 10,000, will you deposit it in the bank? Get 4354 a month, is it enough for you to spend a month?
Welcome to leave your opinion.
1, income analysis
1 10,000. If it is deposited in a bank, the annual interest rate of 1 year is 2.25% and the annual interest income is 22,500 yuan.
1 10,000, if you buy government bonds in the bank, the annual interest rate of/kloc-0 is 2.65%, and the annual interest income is 26,500 yuan.
1 10,000, if you buy non-principal guaranteed wealth management products in the bank (no loss is expected), the annual interest rate of/kloc-0 is about 4.5%, and the annual interest income is 45,000 yuan.
654.38+00,000 yuan. If you open an account in a securities company and invest in a debt fund, the estimated annual income is 60,000 yuan.
2, personal basic situation analysis
Depending on whether you live in the city or the countryside, interest income will support a family of three or yourself.
If you support yourself and have your own house, you don't have to pay the mortgage, rent or pension insurance, and you are willing to live a minimalist life, I think you can support yourself without going to work.
In addition, I have some humble opinions for your reference. If the current job is hard and my body can't adapt, I suggest taking a break or finding an easy job with lower income. After all, the annual inflation is high, 654.38+0 million. If you invest well, interest income can only barely resist inflation.
The above contents, I hope to help you.
The answer is: no, let's start with interest income. Now that the bank's wealth management on behalf of customers is not guaranteed, it is impossible to say that bank wealth management used to have 5-7% interest. So what is the most conservative interest income now? According to the calculation of certificates of deposit, the interest rates of banks are different. In 2020, the highest deposit interest rate will be 4. 18. According to this calculation, the annual interest income is 4 1800 yuan.
The next step is to look at the expenditure. Under the premise of no wage income, you will have at least one property for living, so the property fee of this community is calculated on average, calculated at two yuan per square meter a month, with a total house area of 100 square meter and an annual property fee of 2400. Then it is 4 1800-2400=39400. Second, the minimum family security, the minimum expenditure of water, electricity and telephone bills is about 600 per month, so the whole year is 600* 12=7200. Then use 39400-7200=32200.
The next step is to calculate the daily expenses of the family. The minimum cost of eating at home is fixed every month, and a month 1000 for a family of three is enough. That is, the annual12000.32200-12000 = 20200 yuan. Then the children's tuition and miscellaneous fees will be spread out every month, and the minimum is 1000 yuan, right? This is all calculated according to the minimum standard. Annual cost 12000 yuan, 20200- 12000=8200 yuan.
Now we have to calculate the family's clothing expenses and gift expenses. In the case of changing seasons, three people in the family will stand in 500 yuan every month. This is not buying shoes or anything, but buying clothes online, which is cheaper. If the monthly gift-giving and dining-out expenses are 300 yuan, then the monthly fixed expenses are 800 yuan, and the annual expenses are 9600,8200-9600 =-650.
Also, even if parents don't have to raise them, they have to go and see them during the New Year. Also, at this level of consumption, you can only eat vegetables when you eat. Do you want to buy some meat, eggs and milk? Also, in this case, the medical expenses are not calculated. Once someone in the family is hospitalized, this income can't maintain a normal life at all. So, I suggest you, with 1 million, you have to figure out how to invest and just want to live in the bank, which is impossible. Even if there is more money in the bank, you should go to work when it is time to go to work, because going to work should still be the first demand of people, not because of wages, but because people, as a social animal, have the greatest demand, and going to work is not just for money, but for socializing.
If you choose to be isolated from the world because you have money, it is simply unimaginable.
If you put 6,543,800 yuan in the bank, the highest interest rate can reach 4.2% in five years, and the interest for one year is 42,000 yuan.
42,000, with an average of 3,500 per month. The monthly income of 3500 yuan is not up to the standard of paying personal income tax. For ordinary people, it is ok to maintain a basic existence, but not working is far from enough to make a living.
With the gradual deepening of interest rate marketization, China's interest rate level will gradually be in line with international standards, and the deposit interest rate will be lower and lower, and negative interest rates will not be ruled out.
However, with the development of economy, people's consumption level is increasing year by year. Due to the influence of inflation, money will become less and less valuable, and purchasing power will gradually decline. People need to earn more money to maintain their basic life.
This will form a scissors difference. With interest income, interest will be less and less in the future, while consumption expenditure will be more and more, and the pressure of survival will be greater and greater until it is completely beyond its means.
Through the above analysis, it is foolish and naive to rely on the deposit interest of 6,543,800,000 principal to make a living and give up working. Even if it can be barely maintained at present, it will not be feasible in the long run.
Moreover, it is uncertain whether the principal of 654.38+0 million can be kept. If the principal of 654.38+00,000 yuan is lost due to unexpected events, the interest will be gone, and life will be in a desperate situation.
So, give up your fantasy, or go to work honestly, and then add a zero to your principal, maybe you can consider it.
If you have1000000 cash, you don't have to go to work just by paying interest, as long as the following conditions are met.
I read "654.38+00,000 deposits are earning interest in the bank, so I can't go to work?" Everyone said no.
In fact, many people overestimate their desires. Really, life could have been easier and simpler. Our survival and development, dependence and thirst for money are actually not as urgent and huge as we imagined.
Next, I will elaborate from the following three aspects: the bank's income of 6.5438+0 million yuan, the national per capita living cost, and whether it is feasible to not go to work only with interest. Why do I think this is actually completely feasible?
Since I want the bank to pay interest, I must pursue the certainty of income. In this way, high-risk and high-yield investment products such as funds, stocks, gold, futures and private placements can be excluded. The most suitable choice is a three-year large deposit in a bank.
At present, the annual interest rate of three-year large deposits of large state-owned banks such as Agricultural Bank of China and ICBC is mostly between 3.85% and 4%, and the initial deposit amount is mostly 200,000 yuan or 300,000 yuan. Among them, there are some joint-stock banks with large time deposits of 654.38+100,000 yuan and 3-year interest rate of 4.2%.
In fact, at present, the annualized income of low-risk wealth management products of banks is mostly within 4%. Considering that some banks can choose 3-year time deposit to pay interest once a year, in fact, if they want to put 6,543,800 yuan in the bank for interest, they must have relatively high income, which is absolutely safe and guaranteed. It should be said that a three-year large time deposit is a very good choice.
If the annualized interest rate is 4.2%, the interest will be paid once a year, and 6,543.8+0,000 yuan will be put in the bank, and the annual interest will be 42,000 yuan, with an average of 654.38+0.2 months, and one month will be 3,500 yuan.
According to media reports, in 20 19, the per capita consumption expenditure of Chinese residents was 2 1559 yuan, including 28,000 yuan for urban residents and 0/3,000 yuan for rural residents.
It can be seen that/kloc-0,000,000 yuan is put in bank interest, and the monthly income of "lying win" is 3,500 yuan, and the total income of one year is 42,000 yuan, which has greatly exceeded the per capita consumption expenditure level of Chinese residents.
According to the public data published by the National Bureau of Statistics, in 20 19, the per capita disposable income of Chinese residents was 30,733 yuan, that is, the per capita disposable monthly income was 256 1 yuan.
However, in this data, the income of the north, Guangzhou, Shenzhen and the eastern regions, as well as some provincial capitals and developed cities, has increased the average level, which means that in many central and western provinces, third-and fourth-tier cities, countless county towns and vast rural areas, the income level of many people is lower than the level of 2,500 yuan a month.
Therefore, no matter from the horizontal or vertical comparison, 6,543,800 yuan is in the bank, three years of large time deposit, and the annual net income is 42,000 yuan, equivalent to 3,500 yuan a month. This income level is enough to support a person to maintain a moderate level of living consumption in China's current life.
The above article makes a detailed analysis of the bank's income of 6,543,800 yuan and the national per capita living cost. However, this is only analyzed from an average level and a large overall level. It's really personal. Whether they can rely on the bank's interest of 6.5438+0 million yuan to realize the beautiful ideal of not going to work depends on several actual situations, including the following aspects:
(1) Personal assets other than 1 ten thousand yuan. Simply put, it is whether you already have a house and a car, no loan, and no other large sum of money to pay back. In this way, the interest of the three-year large time deposit of 6.5438+0 million yuan in the bank is enough to pay the daily ordinary living expenses. But if you are weak, have no house or car, or have a house and a car, but you have a mortgage and a car loan to pay back, it is obviously not enough to go to work.
(2) What kind of regions and cities do individuals live in? If it is a first-tier city or an economically developed city such as Beishangguangshen and Shenzhen, or a city such as Hangzhou, Ningbo, Dalian, Qingdao and Xiamen, the daily expenditure and consumption level will be much higher than the national average, with a monthly income of 3,500 yuan. It is not easy to live a very moist life.
(3) Whether the individual only needs to bear his own life, or needs to bear the responsibility of the family and bear the living expenses of his parents and children. A net income of 3,500 yuan a month is absolutely enough for an adult between the ages of 20 and 60. However, if there is a need to support the elderly, or if one of the husband and wife does not have a stable source of income after marriage, then 3,500 yuan a month is not enough to divide a few flowers. Even if you can barely, you can imagine that you will be very nervous.
(4) Personal living habits and consumption desires. If individuals advocate the "running away from home" lifestyle, or say that their material desires are not high, and they do not pursue the flashy life of the city, the most important thing is inner peace and rich spiritual world. Then, with books, music and movies as companions, I became attached to mountains and rivers on weekdays and traveled all over the streets, towns and villages of the motherland with my bag on my back for 30 days a month. Besides, I wouldn't say that I am particularly poor, but I can still live a full life.
Judging from the current level of per capita consumption expenditure of Chinese residents and the interest rate of large time deposits in banks, under the circumstances that individuals have little desire for consumption, live in small cities or counties and rural areas in the third and fourth tier, have no family burden, have a house and a car and have no loans, relying on the income of 6,543,800 yuan, that is, the income of 3,500 yuan a month, is enough to support a person who does not want to go to work and realize the ideal of not going to work.
Of course, we should also see that in fact, many times, the meaning of work is not only to earn money, but also a good way for us to integrate into society, develop and realize ourselves. If you don't go to work or work for too long, on the one hand, you may feel out of touch with society, on the other hand, you may feel a little bored and monotonous.
Finally, with the passage of time and the development of society, life in consumption cost may increase to a certain extent year by year, and it may be difficult to keep the interest rate of large time deposits in banks at the current level for a long time. Therefore, on the whole, the overall quality of life is definitely declining if you only eat interest of 6.5438+0 million yuan.
Parents and God gave us a clever mind and hard-working hands. Even if economic conditions allow us not to go to work, we should never waste our time. We should always do something meaningful so as not to waste a trip to this bustling and colorful world of mortals.
Is that so? Welcome to comment, forward and communicate _
First of all, let's analyze how much interest11000000 can get!
If you deposit 1 10,000 yuan in the bank, you can use a large deposit certificate, which can basically increase the benchmark interest rate by about 40% to 45%. The specific bank may be different.
1. According to the benchmark interest rate of 3-year time deposit of 2.75%, the monthly interest income is:
1 10,000 2.75%/ 12=229 1.67 yuan.
2. According to the benchmark interest rate of one-year time deposit 1.75%, the monthly interest income is:
1 ten thousand1.75%/12 =1458.33 yuan.
3. If the interest rate of three-year time deposit rises by 50% to 4. 125%, the monthly interest income is:
1 4,000125%/12 = 3437.5
Four, if calculated at the deposit rate of 0.3%, the monthly interest income is:
1 10,000 0.3%/ 12=250 yuan.
It is an indisputable fact that 1 10,000 yuan is deposited in the bank, no matter how it is deposited, the interest rate is not high. Individual customers believe that few people deposit 1 10,000 yuan in the bank, unless they work for some banks. Now, even if rich people deposit money in the bank, they are also managing money or investing in other projects.
In this regard, some netizens gave their own views, thinking that the interest of1100,000 can't even maintain a normal life, and they don't go to work at all, at least1100,000.
According to the current 3-year annual interest rate of large deposit certificates of four major state-owned banks, the annual interest of10 million deposits can be 385,000 yuan, with an average of 1.054 yuan per day. If a family of three people, including tuition, medical expenses, rising prices and other factors, can basically maintain the normal living expenses of three people, but the prerequisite is a fixed personal housing. If you have four old people to support at the same time, although it doesn't cost much to eat, drink, live and travel, illness alone is enough to drag you down.
It is not easy to find a job without a skill. Don't take 1 ten thousand seriously. People always wear long shirts and short collars. Think of it as an emergency fund under special circumstances. When you are young and strong, making money is the last word. It is the tradition of China people to put enjoyment first.
This society is cruel.
Remember this sentence, keeping money in the bank is called ensuring safety in the short term and currency depreciation in the long term.
Judging from depreciation and inflation alone,1100,000 is definitely not enough for a working-age person to enjoy retirement by paying interest.
654.38+00,000 yuan, you can deposit a large deposit certificate in the bank, with an interest rate of about 5%, about 50,000 yuan per year.
Judging from the current living standard, 50,000 yuan seems to be enough to eat and drink. If you save a little, there may be some balance.
Many people think this is enough.
If this is a society without inflation, it seems that this thing can be done, but the fact is just the opposite.
There is a question, I wonder if anyone has thought about it.
Because of inflation, because the currency will depreciate, because the currency will be issued, so interest will be given.
If it's deflation, banks should charge for the safekeeping of money. After all, helping you manage your finances for a year, the purchasing power of money is still so much.
Some European countries, as well as Japan, are in the era of negative interest rates, and bank deposits have no interest.
In countries with high inflation rate, the interest rate of bank deposits is also surprisingly high. The interest rate of deposits in Argentina is around 50%, and that in Venezuela and Turkey is around 20%.
If banks don't give high interest rates and inflation keeps rising, then no one will put money in the bank and spend it on things, otherwise the money will become less and less valuable.
Therefore, although the bank interest rate itself is not completely equal to the inflation rate, it must be linked.
In other words, if the bank gives you 5% interest every year, the corresponding inflation should be around 5% or even higher.
With an inflation rate of 5%, the price will double after about 15.
In other words, the current deposit is 654.38+0 million, with an annual interest rate of 5%, which is just enough for expenses. After 654.38+05, the cost is 654.38+00,000, with a loss of 50,000 a year.
15 years later, the annual expenditure is 200,000, and the principal is spent in 5 years 1 10,000.
Therefore, it is unrealistic to put money in the bank to support the elderly, especially for those who have not yet reached retirement age and have to live for most of their lives.
Many people will ask such questions.
But there is no unique answer to this problem, only a solution.
If 654.38+00,000 yuan is unnecessary money, it is suggested that all of it be converted into assets.
Inflation is originally caused by printing too much money. The printed money will not stay there all the time, but will be transformed into various assets in the form of hot money.
Now that money has become an asset, assets will increase in price to absorb the extra printed money.
Therefore, it is completely reasonable for assets to resist inflation.
You can think from two dimensions.
First, the daily necessities that everyone needs can be consumer goods, food and drinks, or household items such as houses.
Second, rare and scarce goods can be anything with a limited quantity, such as gold and silver jewelry or antique calligraphy and painting.
Many people say that daily necessities, especially consumer goods, cannot be invested, so the enterprises behind these products are stocks.
These daily necessities, food and beverage and other consumer goods, including medical consumer goods, will inevitably rise with inflation. The net profit of listed companies has risen, and the share price has also risen simultaneously to fight inflation.
If it is an asset such as real estate, investment is scarce.
For example, the house in the city center and the school district corresponding to the key school are selected for residential buildings.
For example, shops choose shops in the central business district and so on.
Limited quantity, the market demand will certainly be able to fight inflation.
Another example is scarce resources, such as gold. The overall price trend is linked to the total amount of money, but linked to the US dollar.
Another example is some antique calligraphy and painting, brand-name jewelry, and even limited edition sneakers. Are constantly appreciating, scarcity determines the imbalance between supply and demand, once the market has money, prices will naturally rise.
By investing in assets, we can effectively fight inflation, rather than simply saving money to earn interest.
The purpose of fighting inflation is to invest the present money in the future without losing purchasing power.
If you have 6,543,800+million deposits now, you might as well buy some assets to preserve and increase the value of 6,543,800+million.
Then work hard, the more money, the stronger the ability to resist risks.
Don't think about the word retirement unless you have established an asset system that can fight inflation and have stable cash flow.
Retirement itself is not determined by age, but by money.
Really rich people can retire every day, and most poor people retire and continue to work hard.
If you have 1 10,000 cash now, congratulations, it has exceeded 99% of the people in the country. Please continue to work hard and earn the second and third 1 10,000 as soon as possible.
Life is long, young people don't work hard, and old people are sad.
No way!
Your idea is the same as that of my classmate's family more than 30 years ago, but in retrospect, you will laugh at yourself for being naive.
At that time, the reform and opening up was just over eight years. Before that, it is not allowed to kill cattle. Stealing and killing cattle are criminal acts. After that, cattle gradually became a kind of food enjoyed by people and always served as an important means of production. By the way, beef was about 2 yuan a catty at that time, and his family was engaged in selling and slaughtering cattle. One day, a large piece of bezoar was produced from the bile of cattle. At that time, bezoar was a valuable Chinese medicine, and its price was more expensive than gold. It sold more than 10,000 yuan, and it was the only million yuan household in our town. At that time, there were few million yuan households in the country.
At that time, many people also thought about putting that 10 thousand yuan in the bank with a lot of interest. That was when prices were low and tens of dollars were enough for living expenses. At that time, a monthly pension was less than five yuan. Now I'll give you five dollars a month to see how you live [covering your face].
If someone wants to tell you that his family is a million yuan household today, will you give him a hard look? Now girls in rural areas are looking for objects, first the house in the city, then the car, so that you can get tickets. People with family assets of 10,000 yuan are now called poor people.
All currencies will be worthless in the end, and inflation will never stop on the road. One million is not small today, but twenty years later, you will find that it may be a little difficult for you to live on this one million even for a month. This is not surprising. Ask your parents if they only spent a few dollars a year.
The income from bank financing alone, 6.5438+0 million, is obviously not enough to protect their family life.
At present, the income of conventional wealth management products of banks is generally not higher than 4%. For 6,543,800 yuan, if you want to let the bank pay interest for a long time, then the first thing you need is to protect the capital. For capital preservation financing, the current financing methods mainly include time deposit, large deposit certificate, bank capital preservation financing, national debt and so on. With the continuous reduction of the benchmark interest rate of the central bank, the income from deposits and wealth management is also declining. Judging from the current financial environment, the interest rate of three-year fixed deposit is about 2.75%, the interest rate of three-year large deposit certificate is about 3.8%, and the financial income of banks with capital preservation is generally less than 4%, and that of coupon rate with three-year national debt is 4%. Judging from the above types of conservative wealth management products, the overall rate of return will not be higher than 4%.
Based on the income of 1 4% per year, the annual interest income is 40,000 yuan, that is, the monthly interest is about 3,333 yuan. Judging from the current consumption level, more than 3,000 yuan per month is only enough for basic living expenses, which is obviously not enough to ensure the living standard of families.
If the depreciation of inflation is included, the longer it takes, the harder it will be. The above figures are calculated at the inflation rate of 5%. As can be seen from the table, the purchasing power of RMB 6,543.8+0 million is only equivalent to 630,000 after 654.38+00 years, and only equivalent to 370,000 after 20 years. If the interest rate is still calculated at 4%, the annual interest income of 630,000 yuan is 25,200 yuan, and the monthly interest income is only 2 100 yuan. From this point of view, including the inflation rate, 654.38+100 thousand just eating interest can not meet the needs of families.
If you want to satisfy your life through financing of 654.38+00,000 yuan, you still need certain investment ability to allocate assets. First of all, adequate insurance should be provided, especially for accidents and serious diseases, to avoid large expenditures caused by accidents and diseases.
Secondly, it is necessary to allocate certain risky assets to obtain excess returns. Such as investing in stocks and funds.
Finally, on the basis of obtaining passive income, we will maintain active sources of income and continuously increase the scale of assets.