how much is the annual interest of 5 million yuan deposited in the bank?

According to the agreement, the interest can reach 3%, which is 1.5 million yuan. This is the interest of the six major banks in the country. If it is a joint-stock bank, it can earn more interest.

if 5 million yuan is deposited in the bank, will the annual interest be enough?

the interest is enough, and it is very comfortable to get anywhere in the country. It's a pity that 5 yuan is deposited in the bank. Since the subject asks, let's calculate that in order to ensure monthly income, it is necessary to deposit monthly interest, so that there is liquidity every month. Suppose we deposit 5 million yuan in the largest bank in the universe, Industrial and Commercial Bank of China.

1. How much is the annual interest if 5 million yuan is deposited in the bank?

three years ago, ICBC paid monthly interest on certificates of deposit with an annualized interest rate of 3.988%, and the three-year maturity principal of 5 million deposits was automatically transferred.

The annual interest earned was 1.994 million, and the monthly income was 166,1.

2. What is the annual income of 1.994 million?

in p>218, the per capita disposable income of the national residents was 28,228. yuan, and the interest of 5 million yuan deposited in the bank for one year was 1.994 million yuan, which was 7.63 times of the average disposable income of the national residents. In 218, the highest per capita disposable income of residents was in Shanghai. In 218, the per capita disposable income of Shanghai was 64,183 yuan, and the annual interest of 5 million yuan deposited in the bank was 1.994 million yuan, which was 31 times of the per capita disposable income of Shanghai residents. It was super high salary in Shanghai, and even in new york, you could live comfortably. With 5 million yuan deposited in the bank, the annual interest was not only enough but also comfortable.

compared with the current consumption level, 5 million yuan deposited in the bank can lead a very rich life for ordinary families. The deposit period does not need to be too long. If you deposit a certificate of deposit at a rate of 5% higher than the benchmark interest rate for one year, you can get 5 million * 1.5% * 15% = 1.125 million in one year, and there is a consumption limit of nearly 1, in one month.

Of course, if it is deposited in a fixed deposit for one year, it is a process of depreciation. After all, there is inflation, whether it is relative to real inflation or CPI. Therefore, in order to obtain higher deposit interest, large funds should be deposited in banks for at least three years, and a yield of more than 4% can be obtained.

4% yield is relatively good, which can outperform CPI and basically outperform the average inflation in the past 3 years. But just don't let the principal suffer losses, but life costs money, so the money deposit bank can't solve the life of only eating interest. Of course, for ordinary people, 5 million yuan can live for a lifetime even if it doesn't generate interest, mainly depending on what you think, such as whether to leave some assets for the next generation.

5 million will be deposited in the bank, or it will be a big money, and 5 million is a small money; Either you are poor enough and suddenly get a windfall, such as winning a prize, demolition or patent transfer. Without an ordinary person, it is impossible for him to deposit 5 million in the bank, and it is almost impossible for people who will deposit 5 million in the bank to earn 5 million. Therefore, it is ridiculous to deposit 5 million yuan in the bank for interest. Just have fun and don't be too serious!

Everyone and every family have different consumption concepts and levels. As an ordinary family, it is absolutely enough for 5 million deposit banks to spend only on interest income. Since you live on interest income, you can't deposit it as an ordinary time deposit. As a result, your liquidity is dead, and you can't withdraw it in advance for consumption. You can only choose current deposits, call deposits, short-term wealth management products and smart deposits as the only financial management methods with strong liquidity.

first, interest on demand deposits. It is a pity or a waste of principal to deposit 5 million demand deposits, but consumption is everywhere, and only demand deposits can be withdrawn at will, which is not controlled by banks. At present, the rate in deposit interest rate is .35%, with annual interest of 175, yuan and monthly interest of 14,583.33 yuan. Many office workers earn less than 1, yuan in January. Although this deposit interest rate is the lowest, it should be no problem to solve the living expenses.

the second is to notify the deposit interest. Call deposit is a short-term deposit product set up to make up for the low level of deposit interest rate. If the deposit period is uncertain but the deposit period is more than one day, it can be called deposit. Notice deposits are divided into one-day notice and seven-day notice. The notice interest rates of local banks are .885% and 1.755% respectively. If you deposit 5 million yuan, you can get 442,5 yuan and 877,5 yuan respectively.

the third is the expected income of short-term wealth management products. The liquidity of wealth management products is greater than that of time deposits. You can purchase 5 million yuan for different periods: one month, three months, six months and one year, so that you can always have consumption funds in your hands, and the income can be improved as much as possible. The annualized rate of return of bank financing is about 3.5%-5.5%, and the expected annual income is 1,75,-2,75, yuan.

the fourth is the interest on smart deposits. Smart deposit is the most convenient deposit for customers' living expenses, because it pays interest on a monthly basis and can also calculate interest according to the actual deposit period, which is flexible and convenient. For example, Langfang Bank's smart deposit has a five-year interest rate of 5.225%, the interest income at maturity is 13,62,5 yuan, and the interest in January is also 217,78.33 yuan.

The principal of 5 million yuan is a bit large. In order to spread risks, I suggest that this fund be deposited in the above four ways respectively, with smart deposit accounting for 7%, demand deposit, call deposit and wealth management products accounting for 1% respectively. After all, smart deposit is a combination of income and security, and the other three financial management methods are biased.

if 5 million yuan is deposited in the bank, will the annual interest be enough? You ask such a big question.

5 million is not a decimal. For ordinary people, it is an astronomical figure. With such a large deposit in the bank, even the interest generated by the current account is very large.

At present, the demand interest rate of many banks is about .35%, so the demand interest of 5 million a year can reach 175,, with an average of 14,5 per month, which can exceed the income level of most people in China.

when you can choose a fixed deposit besides the current account, if you can deposit 5 million yuan in the bank for a three-year or five-year fixed deposit, I believe many banks can offer an interest rate of more than 4.5%, and many small banks can even offer an interest rate of 5%.

this means that the interest on a 5 million deposit can reach about 2.5 million a year.

what is the concept of 2.5 million? At present, the number of people with more than 5, deposits in China is about 8 million, the number of people with more than 1 million bank deposits is no more than 5 million, and I estimate that the number of people with more than 2 million deposits will not exceed 3 million.

That is to say, among the population of 1.4 billion, only about .2% actually have deposits of more than 2 million, which is equivalent to an average of at most two out of every 1, people have deposits of more than 2 million, which means that the interest of 5 million yuan alone can exceed the deposits of 99.8% of the people in the country.

2.5 million a year is definitely enough for ordinary people, even if you spend a lot of money.

For example, Liu Qiangdong once said in an interview with the media that his family spends no more than 1 million yuan a year.

For super-rich people like Liu Qiangdong, their consumption is only so much. From this, it can be seen that it is absolutely no problem for ordinary people or the rich to meet the basic consumption of their families with interest of 2.5 million a year.

And not only in China, but also in some developed countries in Europe and America, 2.5 million is definitely not a small sum, which can definitely exceed the consumption level of most people.

For example, in some small countries with the highest per capita GDP in the world, the per capita GDP is only about US$ 8,, which is about 5, when converted into RMB, which is equivalent to your annual interest of 2.5 million, which is about five times that of countries with the highest per capita GDP in the world.

It can be seen that if you have an interest of 2.5 million yuan every year, you will have absolutely no problem living in any country in the world, and you can live a very nourishing life.

Of course, whether the interest of 2.5 million yuan is enough to live depends on the specific situation. For a few people, 2.5 million yuan is nothing. Sometimes they may spend more than 2.5 million yuan on clothes a year. For example, at present, many female stars may spend 5 thousand yuan on clothes a month, and all their expenses may add up to tens of millions a year. For these people, the interest of 2.5 million yuan is simply not enough.

1. At present, the annual interest rate of certificates of deposit in commercial banks is about 4%-5%. Even at the annual interest rate of 4%, the annual income of 5 million deposit banks is: 5x4%=2 million, and on average, it is: 212=16.6667 every month.

2. In other words, there is a monthly living allowance of 166,667 yuan, and this standard of living is still 666 for the vast majority of small partners, not to mention not enough spending, and most of them spend a lot every month.

3. For most small partners, except the basic expenses of food, clothing, housing, transportation, support for elders, children's education, travel and other expenses, even if the mortgage for normal housing and the car loan for normal cars are added, 166,667 yuan is more than enough.

4. However, for a few friends who pursue a luxurious life, 166,667 yuan can't afford to buy a limited amount of luxury bags, and it will take two or three months to buy them. It's simply not too hard.

5. Therefore, is the interest of 5 million yuan deposited in the bank enough for one year's living expenses, the interest is the second, and what kind of life is the most important thing, which is the key.

6. Actually, frugality is a traditional virtue, and the living conditions and standards are getting better and better now. Therefore, there is not much need to blindly pursue an overly luxurious and ungrounded life.

traceability point of view: 5 million yuan is deposited in the bank, and one year's interest is enough for your family to spend.

for the 5 million people, the focus of our consideration is not the income first, but the safety first, so it's safe and sound to choose the four major banks and China Merchants Bank.

interest income

1. Take China Merchants Bank as an example, the three-year fixed deposit is 2.75%. As you are a big customer, you can bargain with the bank, and finally the annualized income of 3.5% is certain.

the annual interest = 5 * 3.5% = 1.75 million, averaging 1.75 million/12 = 145,833 million per month. This month's income is enough for you to live a comfortable life in any city in China.

2. China Merchants Bank certificate of deposit. At present, China Merchants Bank has a large deposit certificate of 3, yuan, with an annualized income of 4.125%. One-year interest income = 5,, * 4.125% = 2,62,5 yuan, that is, 2,62,5 yuan per year, with an average of 171,875 yuan per month, which is about 3, more than three-year regular income.

In terms of expenditure

Take Chengdu as an example, other cities can increase or decrease according to the income level.

There are three or four people in a family in Chengdu.

Living expenses: 3, yuan a month and 36, yuan a year, which can be said to be extravagant. You can eat whatever you want in Taikoo Li on Chunxi Road, and it's nothing to Michelin restaurant or private kitchen.

There should be no need to consider housing. There must be too many hot houses of 5 million.

as for cars, suppose there are two cars at home, and the annual expenses add up to 1,.

in terms of children's education: suppose that both children go to an aristocratic school, such as Golden Apple Jincheng No.1 Middle School, and the annual drop is 3,, which is absolutely appropriate, not the best, but definitely above the middle level.

Travel and leisure, domestic travel is optional, and overseas travel is 5, yuan four times a year, which adds up to 3, yuan.

As for drinking tea, eating hot pot and playing mahjong at ordinary times, it is 2, yuan. Remember that playing mahjong in Chengdu is not a whole game. It has been reported that playing 5 yuan is gambling. Let me remind you.

Total annual expenditure: 1.26 million, and you still have 6, to 7,, so 5 million is enough for interest.

Summary: Friend, have you woken up? Get up quickly, it's time to go to work!

In reality, there are 5 million yuan to be deposited in the bank, so you can negotiate with the bank about the floating deposit interest rate, the way of flexible withdrawal, the membership card of the cooperative organization, a certain credit overdraft limit and many benefits. How much you can get depends on the negotiation results with the bank, so it is not universal. Therefore, we will not discuss it as a standard, but the ordinary deposit interest rate will prevail.

There is another problem. Whether you can spend enough money does not depend on the consumption standard. You should take the standards of the rich, such as daily delicacies, driving a luxury car and spending hundreds of thousands of dollars a night, which is absolutely not enough, or take the living standards of ordinary people as the standard.

At present, the annual deposit interest rate of the four major banks is 1.75%, and the annual interest of 5 million yuan is 875, yuan. The standard of ordinary people is 875, yuan a year, which is absolutely enough to ensure life.

Looking at certificates of deposit, the interest rate of the 3-year certificates of deposit of CCB's 2 million yuan can reach 4%, which has gone up a lot. Then it is not difficult to believe that 5 million yuan will raise the deposit interest rate to 5%. The interest earned in one year is 2.5 million yuan. Although the numbers are not pleasant to hear, they are very cool.

Therefore, 5 million yuan is deposited in the bank, and the interest earned in one year can definitely guarantee a normal life according to the living standards of ordinary people.

hello, friends!

5 million in the bank should be enough as long as it is normal consumption and a little frugal. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, then it may not be enough.

interest of 15 million deposit banks

Now 5 million deposit banks can also earn a lot of interest income. At present, the interest rate of large banks is slightly lower, but if you deposit a large three-year deposit, you can also achieve an annual interest rate of 4.125% and pay interest on a monthly basis.

if it is a five-year deposit product with small and medium-sized banks, the annual interest rate can reach 5.4%, and the interest can be paid monthly.

if it is a five-year deposit product deposited in a private bank, the annual interest rate can reach 5.7%.

if 5 million products are deposited for five years, and the annual interest rate is 5.4%, then the annual interest will be 2.7 million, with an average of 225, yuan per month.

the interest of 2.7 million yuan a year can be said to be enough for daily expenses.

2 save a little, the interest of 2.7 million yuan is enough for daily expenses

If you save a little, the annual interest income of 2.7 million yuan, with an average monthly interest of 225, yuan, can be said to be enough for you to live a fairly good life

This income of 2.7 million yuan a year is enough for you to travel abroad several times a year, and you can also travel casually at home several times. Then you can also buy a car for 4 thousand or 5 thousand to drive.

At this income level, as long as you save a little and don't buy luxury goods, you can say that life is quite cool.

3 If you want to buy a plane, it's not enough.

If you want to live on a special plane or yacht, then the money may not be enough. buy