As the lobby manager of the state-owned bank, I can tell you clearly: you can lie at home and win every day by putting 5 million in the bank. You just need to play, and the rest of the bank will take care of it for you.

In China, there are about 1.4 million people who have more than 1 million deposits in the bank, accounting for .1% of the total population. It is estimated that there will be no more than 1 million people with deposits exceeding 5 million. Therefore, having 5 million yuan in the bank is already a fairly wealthy group in China.

let's take a look at how much interest we can get every year by putting 5 million in the bank.

how much interest can you get if you deposit 5 million yuan in the bank?

1. Survival period

Suppose we just put this 5 million in the current account of the bank card, how much interest will it have a year?

the current interest rate is now .35%, and 1, yuan is 35 yuan a year. If 5 million yuan is put in the current account, the interest for that year will be:

5× 35 = 17,5 yuan

Of course, we will definitely not be stupid enough to put this 5 million yuan in the current account and make contributions to the bank for nothing.

2. Deposit for one year

At present, the interest rate of state-owned banks is fixed for one year, and the highest interest rate can reach 2.25%. If we deposit 5 million yuan for a fixed period of one year, the interest at maturity will be:

225× 5 = 112,5 yuan

We will spend an average of 12 months in a year, and each month will be:

112,5 ÷ 12 = 9,375 yuan

My city, Wuhan, is considered as a first-tier city, but Ordinary people can save a little more than 2, yuan a month, which is completely enough to live.

9735 yuan a month, even in Wuhan, you can live quite well. It can even be said that a family of three is completely enough.

If you are in a small city in the second or third tier, you can live a life of food and clothing in your retirement. If it's a small county town or a rural area along the 7th and 8th lines, it's hard to say that a person, even a family of three, has enough to eat, wear and use.

3. Deposit for two years

At present, the interest rate of state-owned banks is 2.6%, and the interest rate of 5 million deposits for two years is:

26× 2× 5 = 26, yuan

The average monthly interest rate is:

26, ÷ 24 = 18. This monthly interest rate exceeds the wages of 9% people in China.

4. Deposit for a fixed period of three years

At present, the interest rate of state-owned banks is 3.25%, and the interest rate of 5 million deposits at the expiration of three years is:

325× 3× 5 = 487,5 yuan

Ordinary people may have to work hard for many years or even a lifetime to deposit 5, yuan in the bank. And you only need to play at home for three years, and the bank will automatically send nearly 5 thousand interest money.

Our average monthly interest is:

487,5 ÷ 36 = 13,542 yuan

This monthly interest has already killed 99% of office workers in China.

How many people live on less than 2, yuan a month? You can think about it yourself. I will give you 13,542 yuan a month, and it is still so much every month. You are full of absolute happiness.

5. Buy government bonds

The 1th of each month is the time to issue government bonds, and the government bonds are absolutely guaranteed to protect the capital and interest. At present, the interest rate of three-year treasury bonds is 3.4%, and that of five-year treasury bonds is 3.57%.

Moreover, the current national debt is electronic and open, and you can get interest once a year.

if you buy 3.4% treasury bonds for three years at a price of 5 million yuan, you can get interest every year:

5× 34 = 17, yuan, which is 14,167 yuan per month on average

if you buy 3.57% treasury bonds for five years, you can get interest every year:

5 yuan.

whether it is a five-year national debt or a three-year national debt, the average monthly interest is around 15,. If you go to the supermarket to buy something again, you don't have to look at the price. Buy whatever you want, take whatever you want.

6. Buy certificates of deposit

In the bank's deposit activities, in addition to fixed-term and treasury bonds, there are also certificates of deposit. Now you can buy a 3-year certificate of deposit with an interest rate of 4.%.

if we buy 4.% certificates of deposit for three years at a price of 5 million yuan, after three years, we can get the income:

5× 4× 3 = 6, yuan, which is 16,667 yuan per month on average.

If we buy a five-year certificate of deposit with a 3.57% deposit certificate, the annual interest will be:

5× 357 = 178,5 yuan

If we average it to every month, then we can get the income every month:

178,5 ÷ 12 = 14,875 yuan

. In a big city, if you are extravagant, you can definitely spend it. If you are in a small county or rural area, as long as you don't waste money, the city will certainly not use up nearly 15 thousand yuan in a month.

7. Other deposit activities of banks

Of course, in addition to the above deposit methods, banks also have investments with higher interest rates. Like financial management, funds, etc.

the amount of 5 million yuan has reached the standard of private banks, and it is entirely possible to buy wealth management or funds from private banks.

there is absolutely no problem for private banks to achieve an annualized income of about 5.%.

However, in essence, financial management is non-guaranteed floating income, and the bank's financial management has broken the rigid payment, so there is no way to absolutely guarantee the capital and interest.

Private equity funds of private banks have a higher yield, which can reach more than 1.%. However, when private equity funds also have losses, there is no way to guarantee absolute positive returns. People who have no experience and risk tolerance are not suitable to buy private equity funds.

in order to ensure the safety of the principal and guarantee the absolute principal and interest, only fixed-term, treasury bonds and certificates of deposit can be done in the bank. Those who want to pursue high returns can buy wealth management and funds from private banks.

with 5 million in the bank, you can live a comfortable retirement with interest.

with 5 million yuan, you are basically a winner in life. Like us ordinary people, the probability of earning 5 million in this life is not as high as the probability of buying 5 million in the lottery.

if you earn 1, a month, your salary is relatively high. If you can save 5, yuan a month and save 5 million yuan, it will take 84 years. A person will work for 3 or 4 years at most in his life, and it will take at least two lifetimes of hard work.

If the salary is not high and you can only save 2, yuan a month, it will take 29 years to save 5 million yuan.

if you can only save 1, yuan and 5 million yuan a month, it will take nearly 417 years. You need to save money from the Wanli period of the Ming Dynasty.

5 million yuan is in the bank. Even if you are very conservative, you will earn 9375 yuan interest every month if you deposit it for one year. Enough for a person to retire and live a carefree life.

If you have experience in investment and financial management, you can buy a private fund from a private bank, with a monthly income of 4, to 5,. However, it also needs to bear certain risks.

It can be said that as long as you don't lose your family and fool around, 5 million in the bank can completely guarantee that you can have food and clothing all your life.