What I want to say about this problem is that life is too short, so why not take a rest?
But I have to mention that 3.5 million is not much.
According to the annual economic growth of 7% and the bank interest rate of 2. 15%, at the current rate of RMB depreciation, 3.5 million in the bank ten years later is equivalent to 2 million now, which is an ordinary level.
Of course, even if 3.5 million yuan is deposited in the bank, the interest rate can reach 56%.
Even if the annualized income is 5%, the principal of 3.5 million and the annual net profit are nearly 200,000. Except for a few first-tier cities, in other second-and third-tier cities, you can live very chic just by interest.
In order to maximize the return on capital, put it in a small loan company, the interest of 1.5 is 3.5 million, one year 1 10,000 is 1800, and 3 10/10,000 is 540,000! Of course, this is also the most risky.
In short, there are 3.5 million people who have a car and a house, don't have to go to work, and can live a relatively moist life only by managing money.
But I don't recommend that you really do this.
Because it can be kept for a few months. After all, the world is so big that it is necessary to go out and have a look, but people who have been idle for too long will really be abolished.
And the society is progressing, the living standard is improving, your age is increasing, and you need to spend more and more money.
Therefore, at the age of 40, he has a car, a house and a deposit. In fact, he has a good hand. Except for eating, drinking, whoring and gambling, the ending will not be too bad.
I still suggest charging after work, 20% investing in gold futures, 50% investing in bank wealth management products, 15% investing in the stock market, 10% flexible fund, and 5% paying for my daughter's education. The only thing is that you don't need to work as hard as you did in the previous 20 years, and you have the conditions to relax.
My suggestion is to live in the way you like, do what you like and earn the money you like.
Recently, many people asked me about buying a house in Thailand.
To tell the truth, I like the lifestyle here, and the people at the bottom of society can be so happy and peaceful.
The second reason is that we ordinary wage earners can live a life dependent on our parents. This is a paradise for the elderly, with low prices, good air environment and green food.
The third reason is that I like to eat fresh fruit, and there are many green and delicious foods that are my favorite food.
The fourth reason is to lay a good foundation for ordinary salary parenting. The number of international schools here is one third of that in China, which is in line with international standards.
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