You ask this question in a big tone. One hundred million yuan of bank interest is enough? It seems that a hundred million yuan in the bank has little interest!

1 million yuan is definitely not a small sum. If you take it to any bank for deposit, you can definitely get an interest rate of more than 5% for more than three years, which means that one hundred million yuan will have an interest of 5 million yuan a year.

what is the concept of 5 million interest?

according to the hurun wealth report, the number of households with more than 6 million assets in China was about 4.9 million in 218. if a family has four people, it means that the number of households with more than 6 million assets is 19.6 million, and according to China's 1.4 billion people, the proportion of households with more than 6 million assets is 1.4%. That is to say, your interest of 1 million yuan a year can exceed all the assets of 98.6% people in the country.

if you take out the five million yuan in cash with 1 yuan denomination, the weight of a piece of RMB with 1 yuan denomination is 1.15g, and the total amount of RMB 5 million is 5, pieces, so the total weight is 575g, which is equivalent to the weight of a bag of cement.

This amount of money is enough for you to live a very rich life. The average monthly income of 5 million yuan is 416,6 yuan, and the average daily income is 13,8 yuan. Your daily interest can at least beat the monthly salary of more than 5% white-collar workers in China.

At present, most of the people who put their money in the bank are those who are not very rich. Most of those who have huge assets will not put their money in the bank, but will change their money into other assets. For example, according to the Hurun Wealth Report, most of the assets of those families with more than 6 million assets are represented by company equity, real estate and car production, while bank deposits and cash only account for about 2%.

People with real assets of 1 million yuan can invest more and get higher returns than banks, so people with real assets of 1 million yuan will never ask such low-level questions.

So let's stop obsessing about this unrealistic problem. If we have time, let's do our work honestly and earn some visible benefits.

if you have RMB 1 million, you can achieve financial freedom if you live in any city in China at present. You can quit your job and travel around the world in running with the bulls!

So, if this huge sum of money is deposited in the bank, how much interest will there be in one year? Let's do the math today. I believe that many ordinary people will never earn this figure.

according to the latest deposit interest rate table of the central bank in 219, the current deposit interest rate is .35%, the three-month interest rate is 1.1%, the six-month interest rate is 1.3%, the one-year time deposit interest rate is 1.5%, the two-year interest rate is 2.1%, and the three-year interest rate is 2.75%.

that is to say, even if you deposit it in the bank at the current current savings rate, the interest will reach 35, yuan in one year. Obviously, 35, yuan a year is enough for your daily life.

Of course, you can't deposit 1 million yuan into the bank in the form of current savings. At the very least, it must be an ordinary time deposit or a large deposit certificate. If it is a one-year time deposit, the interest will be 1.5 million yuan a year. If it is a one-year certificate of deposit business, the interest after one year is at least 2.1 million.

in addition, if you choose the bank's large deposit certificate business for more than three years, the annual interest should reach about 4 million.

however, to be honest, it is also very risky to deposit 1 million yuan in the bank, because once the bank goes bankrupt or fails, you will be miserable! I can only admire your principal and interest of 5, yuan at most.

therefore, I'm afraid it will be necessary to find dozens of banks to deposit 1 million yuan in the bank. In any case, going to the bank with such a huge sum of money will give you up, and you can enjoy all VIP treatment. And give you a credit card with a limit of more than 1 million for you to swipe at will.

It sounds even better. Don't worry about it. When you really have 1 million yuan, you just need to call any local bank and make sure that a bank manager or branch manager will come to serve you personally. As for the calculation of interest or future financial management, professionals will take care of it. Just go out and travel casually!

If you have 1 million yuan in the bank, personally, I think that relying on interest alone is definitely enough for ordinary people, and the quality of life will not be much worse.

according to the latest benchmark deposit interest rate announced by the central bank, the one-year interest of 1 million yuan during its lifetime is 1 million yuan × .35% = 35, yuan.

the one-year interest of deposit term is: 1× 1.5% = 15 yuan.

the fixed interest for two years is 1× 2.1 %× 2 = 42 yuan

the fixed interest for three years is 1× 2.75 %× 3 = 825 yuan.

The above is only the interest of the central bank's benchmark interest rate. All banks have a certain floating rate according to the benchmark interest rate of the central bank, so the interest will be higher.

if you have 1 million in the bank, you can live a good life with interest, provided that you have 1 million.

If you have a 1-million-dollar bank, you can definitely have food and clothing in your life just by relying on interest. You can eat delicacies, buy the most expensive clothes and shoes every day, choose Mercedes-Benz and BMW, and visit all the tourist attractions in the world, and you will live a life of wealth and freedom.

how much interest can you earn a year if you put 1 million yuan in the bank?

according to the safest current interest rate, the benchmark interest rate set by the central bank is .35%, so the interest generated by saving 1 million yuan for one year is 1 * .35% = 35, yuan, which is enough for most families to spend one year.

according to the annual interest rate of 5% for certificates of deposit, 1 million yuan in the bank is 5 million yuan a year, which is not a small sum. In addition, if you can deposit 1 million yuan in the bank, you will become a super VIP customer of the bank, and the bank may send you a credit card with a credit limit of 1 million yuan, so you can spend whatever you want.

how can I spend 5 million yuan a year?

If you have 5 million yuan a year, you can take a trip and go anywhere you want. You can buy brand-name bags and fill your house. You can buy a 9-square-meter two-bedroom apartment in a first-tier city. You can also emigrate to get fresh air.

will someone really deposit a billion dollars in the bank?

In fact, there are 1 million rich people who will not deposit 1 million in the bank, but will spread the money out for investment and wealth management: stocks, funds and real estate are their main investment targets, and they will only keep millions of bank deposits for capital turnover.

how many people in the country currently have a wealth of 1 million?

According to the 218 Hurun Wealth Report, as of December 31, 217, the number of "ultra-high-net-worth families" with assets of 1 million yuan in Greater China reached 133,, an increase of 12, over the previous year, with a growth rate of 9.9%; Among them, the number of mainland China reached 11 thousand, an increase of 11 thousand over the previous year, with a growth rate of 11%. This is a single family statistics, according to this rough estimate, about 8, people have 1 million wealth.

is it difficult to earn 1 million yuan? It's not difficult, the business tycoon once said, "Set a small goal first and earn it 1 million yuan." Is it difficult to earn 1 million? It's hard, because the salary is only 5 yuan a month, and I'm still dreaming.

enough for what?

is it enough for you to eat, drink and be merry in your life?

to tell you clearly, it's enough, even if you break your leg.

If there is really a sudden $1 million, some people's first reaction must be to spend money and get something for nothing, or better yet, to live a good life on the rich side with interest.

this is because we have never experienced the process of obtaining this money.

We don't know anything about how to earn 1 million yuan, or even have an accurate concept of 1 million yuan.

Of course, I don't know how to fix a hundred million dollars, or I wouldn't be answering questions here, right?

So, it's like a question of a topic. One hundred million suddenly comes in front of you. What can you do? You have no idea what to do.

what should we do in the end? Keep it!

it's always safe to deposit money in the bank.

if you buy all 1 million yuan into Yu 'ebao, according to the annualized income of about 2.7%, the net income will be more than 2.7 million yuan a year, which is equivalent to more than 7, yuan a day. . .

is it enough for you to marry and have children? Is that enough for you to get laid?

And those really powerful "big bosses" are different from us. They really have a billion dollars in their hands.

they don't need to fantasize about this problem, they really need to think about how to spend this billion.

earn a living by depositing interest in the bank? Just kidding.

they know how to earn the first billion, and correspondingly, they will know how to earn the second and third billion.

While you are still figuring out how to squander the interest of more than 2 million yuan a year in a bank,

those "big bosses" are thinking about how to make this billion earn another billion.

a year later, you changed your house with the interest of two or three million yuan, and bought a Mercedes-Benz that leaked oil.

However, holding a billion-dollar boss, he earned another billion-dollar by investing and expanding his business.

of course, you can also say that you may have lost all this billion in business.

to tell the truth, I'm afraid of losing money, too. I'm also very conservative.

So, this is the reason why you and I can't earn 1 million yuan:

On the one hand, we look forward to living a luxurious life like the rich, on the other hand, we don't want to avoid any financial risks. What a ridiculous contradiction this is.

The more people dream of living a good life on interest, the less chance fate will give you;

and those who never want to live on interest, fate makes them rich and expensive.

Moreover, the former often works for the latter.

people, it's better to be realistic.

I went to move bricks.

this is a bit outrageous.

firstly, 1 million is not a reliable target at present. People think about it when they want it. It is good to have the desire to get rich and pursue this goal. Dream and work hard.

second, if you have 1 million yuan, you will never deposit it in the bank for interest. It's not the ass that commands the brain, it's the brain that works when it's ready. Economic point of view, first, capital increases in value in the flow, so it is impossible to "lie" in the bank; Second, eggs can't be put in one basket, and 1 million can't be deposited in the bank.

thirdly, in the era of financial innovation, there are many channels for investment and financial management. Capital is profit-seeking, while people are greedy; The combination of the two sexes will pursue high returns, even for conservatives; At least, I will use part of it to play high returns.

people can't lose the motivation to struggle. Without the motivation to struggle, you will never earn 1 million yuan; With the motivation to struggle, it is impossible to eat 1 million bank interest. Therefore, there are three results:

1. Either you can't earn 1 million yuan;

2. It is impossible to eat 1 million interest;

3. If you expect the pie to fall from the sky, you might as well:

sleep! It's getting late

If there is a hundred million yuan, just if there is a hundred million yuan to buy a house for rent in first-tier and quasi-first-tier cities, it is enough to live a particularly moist life by collecting rent every month, and you can wait for the real estate to appreciate without worrying about currency depreciation. Since the topic asks what it is like to deposit money in the bank, let's just have a look and have fun.

it's definitely no problem for 1 million yuan to be deposited in any bank, which is 5% higher than the existing average interest rate of 4% for three-year certificates of deposit. The interest rate is 6%, and the annual income is 6 million after tax (interest is not taxed). The pre-tax estimate can reach 1 million/year, which is equivalent to 1.5 million US dollars. The per capita GDP of Shanghai announced a few days ago has reached 2, US dollars, which has reached the level of developed countries. What is the level of 1.5 million US dollars? Let's take Shanghai as an example. The average selling price of houses in Shanghai is about 5, yuan. With an annual income of 6 million yuan, you can buy a three-bedroom apartment in Shanghai and a suite in Shanghai one year, which is a proper rich man. A year's after-tax income of 6 million is enough in any city in the world.

At first glance, the subject is a rich man with a father like Wang Jianlin. If you are Wang Sicong, then 1 million won't be enough for you to play for several months. However, as an ordinary person, especially an office worker with a monthly salary of less than 1,, one hundred million is really astronomical, and several zeros cannot be counted.

a billion-deposit bank, calculated according to the interest of 2.25% on one-year certificates of deposit, has an annual interest of 2.25 million yuan and a monthly income of 187,5 yuan.

according to beishangguangshen, which has the highest average salary in major cities in China in 218, even the highest-paid imperial city has just passed 1, yuan a month, and your monthly income is equivalent to the hard-earned salary of others for one year. As long as you are not a spendthrift who uses money as toilet paper like Mayweather, you can completely realize the freedom of wealth and live a life that ordinary people can't enjoy.

if you buy wealth management, 1 million yuan of funds, calculated according to the rate of return of 5%, the annual income of 5 million yuan will be higher.

You know, many people's lifelong dream is to win a five-million-dollar two-color ball, and you have realized their dream once a year. Best of all, you also have a prize pool. . .

of course, having 1 million won't mean that you can live on interest for a lifetime. Friends who often pay attention to the NBA know that many stars' lifetime contract income is as low as several million dollars and as high as over 1 million dollars, and they still go bankrupt after retiring for several years. Without a reasonable financial plan, it is only a matter of time before more money is spent.

it's also terrible to buy a few million-dollar luxury cars, have a few girlfriends and have a dozen illegitimate children, and the fission of assets. Therefore, even if few assets learn to manage money and add their own efforts, they can still live a well-off life;

On the contrary, if you have more assets, have no scientific financial plan, waste and invest blindly, you will be the next to go bankrupt.

is the interest enough for a billion-dollar bank? You make it sound like you really have a billion dollars. If you really have a billion dollars, you will definitely not want to let the bank pay interest, but consider how to turn a billion dollars into a billion dollars and a hundred dollars ...

The answer is enough. Of course, score a point. If you really have a billion dollars, then the president of your bank will probably come to discuss it with you and run errands with tea. In fact, he may want you to buy some products, so how do you save this hundred million?

1. Take out 5% of it for time deposits, such as three years. Except for the four major banks, the interest of other local commercial banks is higher, which is generally around 3.% for three years, and 5 million * 3.% * 3 = 4.5 million. In other words, there is nearly 1% income in three years, with an average annual income of 1.5 million. If you

2. Do you want to deposit all of them in the bank for a fixed period? Personally, I don't think so. There is always an emergency.