Can I leave work with a deposit of 1.5 million?
Not necessarily, it depends on the actual situation of depositors. Generally speaking, 6.5438+0.5 million yuan is a big deposit in the bank. In some small banks or local banks, depositors can negotiate deposit interest rates with banks, which may reach an annual yield of 4%. In other words, if you deposit 6.5438+0.5 million yuan, the annual income in the bank deposit is 60,000 yuan, which means an average income of 5,000 yuan per month.
The interest income of 5000 yuan per month is enough for an ordinary person to eat and drink normally, but it may not be enough to want to do business or travel when he is sick. Therefore, whether the deposit of 1.5 million can go to work depends mainly on what kind of life the depositor leads, family conditions, whether he is single and so on.
How to manage 1.5 million deposit?
If the depositor has a deposit of 6.5438+0.5 million, he can choose to buy a certificate of deposit. Compared with time deposits in the same period, the interest rate of certificates of deposit is higher. Of course, in addition to bank products, depositors can also choose to buy some wealth management products, such as money funds, bond funds, hybrid funds and equity funds. In addition, financial insurance and stocks can also be purchased.
However, the above wealth management products are neither good nor bad, and there is no guarantee of 100% income. Therefore, depositors need to be cautious before buying. If depositors have never had financial management experience before, it is suggested to start with low-risk products, such as money funds, which have lower returns and risks and are more suitable for novice investors.