Recently, some netizens suggested that if ordinary people have 2 million deposits and don't go to work, what kind of life can they achieve? In fact, with 2 million deposits, ordinary people can live a basic life of financial freedom. But it's hard for ordinary people to earn 2 million. Even if a family's annual income reaches 6.5438+0.5 million, of which 50,000 is used for daily expenses, and the remaining 6.5438+0 million is in the bank, it will take 20 years to save 2 million. How many 20 years can there be in life? What's more, this income has not changed for 20 years, which is almost impossible to achieve.
Let's figure out how much interest we can get if we deposit 2 million in the bank. In fact, the interest rates offered by different banks are completely different. If it is a large state-owned bank, because it has been established for a long time, there are more customer resources. If 2 million yuan is fixed for three years, the interest rate is only 3.25%, and the annual deposit interest is also 65,000, with an average of 54 16 yuan per month. And if you buy a three-year certificate of deposit, it is 3.35%, and the annual deposit interest is 67,000, with an average of 5,583 yuan a month. Obviously, it is no problem to have a basic financial freedom by putting 2 million in the bank for interest.
If you think the interest rate of 2 million in state-owned banks is too low, you can deposit your money in small and medium-sized banks or private banks. The maximum interest rate that small and medium-sized banks can provide for three-year bank deposits is 3.55%, which means that if you have 2 million yuan, the average annual interest income can reach 7 1 0,000, and the average monthly interest rate is 59 1.6 yuan. Of course, if 2 million yuan is deposited in small and medium-sized banks, you can talk about interest with the bank president. If it goes well, the three-year deposit interest can reach 4. 12%, with an average annual interest of 82,400 yuan and a monthly interest of 6,866 yuan.
However, if you have 2 million yuan lying on it, you may sit quietly and watch the tigers fight, because on the one hand, the current deposit interest rate is decreasing, on the other hand, the domestic inflation rate is also very high, which will greatly erode the assets of ordinary people every year. So the best way is to find a more relaxed job, regardless of income, so that you can do something every day without wasting your life, and you can use 2 million interest income to supplement your family. Usually, the richer the family, the less likely it is to choose to lie down and eat interest.
Maybe many people will say, I won't buy a house if I have 2 million? Can't invest in financial management? Why put the money in the bank? In fact, 2 million can't buy any house in first-tier cities at all, and can only pay a down payment at most, and can only buy a small property in second-and third-tier cities. Now investing in real estate is also very risky, and it may not be able to preserve and increase its value. As for investment and financial management, playing stocks and buying funds, high-yield products correspond to high risks, and even the principal of 2 million will be lost. Under the present circumstances, it is safest to deposit money in the bank.