In the case of large certificates of deposit with annual interest rate of bank deposits, the one-year interest income of 52 million yuan, that is, 654.38+million yuan, can this 654.38+million yuan meet the needs of the elderly? I don't think it is possible to rely solely on bank time deposits. 65,438+10,000 yuan is much now, but if it is placed in 10 years later, 20 or even 30 years later, it really does not have such strong purchasing power.

Endowment insurance is very important. Why does everyone buy it? Because the endowment insurance itself will be adjusted according to the economic development index and inflation of the society in that year. If the purchasing power of money decreases, the amount of pension will increase, but this is different from this kind of regular wealth management product with bank deposits. The People's Bank of China has set the interest rate at five points, and it will not say that one more point cannot be given just because the local economic level has improved. Therefore, this kind of income is fixed and does not have the ability to keep pace with economic and social development.

The income now is 20 years ago, which must be a lot, because people now earn 5,000 yuan a month. At that time in 2000, people working in factories might earn 200 yuan a month to go to 300 yuan, and now their income has increased 25 times, that is, 20 years. Is the 65438+ ten thousand yuan at that time the same as the 65438+ ten thousand yuan now? At that time, it was remarkable that an ordinary family had 1000 yuan, but now many young people earn more than 1000 yuan a month.

So time will change many things. As time goes on, the purchasing power of money will also decline. Twenty years can change many things. If you are still young, you can consider finding a job with social security, so the income will not be particularly high, but at least there is a guarantee. Even if inflation occurs in the future, at least there will be a large pool of funds supervised by the state to ensure that everyone can get the most basic living security through pensions. This can't be solved by savings. What's more, after 20 years and 30 years, 2 million deposit property is not a particularly large number.

The reason why deposits are not absolutely stable is that they are not useless, but they have not reached that level. Most ordinary people have hundreds of thousands of deposits, and there is no guarantee that they will have such strong purchasing power in decades. However, although there will be inflation, the purchasing power of what money buys now is certain. We can consider investing in some fixed assets, which generally will not cause great losses, and their value will gradually increase with the development of the economy.