If you have a deposit of 2 million in the bank, as long as you plan the money properly, you can live a very good life with the interest.

There are many people with a net worth of millions nowadays, but those with a deposit of 2 million in the bank are really rare.

Let’s calculate first. If we deposit 2 million in the bank, how much interest can we get in a year? Is interest enough to support our lives?

If you deposit 2 million in the bank, how much interest income can you get in a year?

1. Demand deposit

Demand deposit is currently the lowest bank interest rate method of depositing money, with an interest rate of only 0.35%. If we put 2 million yuan in the current account for a year, the interest will only be:

35 × 200 = 7,000 yuan

It is only 7,000 yuan a year, and less than 600 yuan a month. . Normal people's expenses are definitely not enough, unless they only eat steamed buns and pickled mustard for three meals a day.

Of course, we will not just deposit 2 million in our bank card current account.

2. Fixed term for one year

We take state-owned banks as an example. The interest rate for fixed term for one year is 2.1%. If you deposit 2 million for one year, the interest after maturity will be:

210×200=42,000 yuan

42,000 yuan a year, which averages out to 3,500 yuan per month. This is 3,500 yuan per month, which can be either too much or too little, depending on how you plan to use it. In a big city like Wuhan, my living expenses are only about 2,000 yuan a month, and I don't feel that my life is too shabby.

As long as you save a little bit, it will definitely be enough for one person's living expenses.

3. Two-year fixed term

State-owned banks, the current interest rate for two-year fixed term is 2.6%. If 2 million is deposited for two years, the interest after maturity is:

260×2×200=104,000 yuan

The interest for two years is 104,000 yuan, which averages to 4,333 yuan per month Yuan. This level has exceeded the average salary in many cities. For example, Wuhan is already a very large city, and the average salary is only a little over 4,000.

You must have enough money, but the premise is that you can’t be extravagant and wasteful. If you live in a third- or fourth-tier small city, with a monthly living expense of 4,333 yuan, you can still live a petty bourgeoisie life.

4. Three-year fixed term

For three-year fixed term, the current interest rate of state-owned banks is 3.25%. 2 million is deposited for three years, and the interest after maturity is:

325×3×200=195,000 yuan

195,000 yuan for three years, which averages to 5,417 yuan per month.

With 5,417 yuan per month, you can live in a first- and second-tier city, and live a pretty good life. Put it in the third and fourth tier cities, a proper petty bourgeoisie life. If you are placed in a small county town on the 7th or 8th tier, or in a city, town or rural area, you will have no worries about food and clothing.

5. Treasury bonds

The latest issue of Treasury bonds was released on the 10th. The current interest rate on three-year Treasury bonds is 3.4%. The five-year Treasury bond has an interest rate of 3.57%.

The interest rate on government bonds is not much higher than that on regular bonds. However, one advantage of national bonds is that the interest can be withdrawn every year.

If you buy a three-year 3.4% government bond with 2 million yuan, the interest you can receive every year is:

340×200=68,000 yuan

One The annual interest received is 68,000 yuan, which is an average of 5,667 yuan per month.

If you buy a five-year government bond with an interest rate of 3.57% for 2 million yuan, the interest you can receive every year is:

357×200=71,400 yuan

Receive interest of 71,400 yuan a year, which averages to 5,950 yuan per month.

Through calculation, we can see that if we buy government bonds, the interest will be nearly 6,000 per month. In addition to being able to live a normal life, it doesn't hurt to go out for splurges a few times a month.

If you are in a small county or rural town on the seventh or eighth tier, you can barely live a life without worries about food and clothing.

6. Large-denomination certificates of deposit

At present, state-owned banks issue very few large-denomination certificates of deposit, and local commercial banks can still buy them at any time. Because there are more than 1,000 rural commercial banks across the country, each bank has different interest rates on large-denomination certificates of deposit.

In some areas where the economy is relatively developed, the interest rate on three-year certificates of deposit is only 3.85%. In some places where the economy is average, city commercial banks offer three-year certificates of deposit with an interest rate of 4.0%. Higher interest rates are around 4.2%.

We will take a middle value, 4.0%, to calculate. 2 million yuan deposited in a three-year large-denomination certificate, the income after maturity is:

400×3×200=240,000 yuan

The three-year income is 240,000 yuan, on average per month That’s 6,667 yuan. Six to seven thousand a month, in terms of income level, is already far higher than the national average salary.

Girls like to dress up and buy things, so that should be enough. A person who knows how to run a household can easily support a family of three with six to seven thousand a month.

7 Private bank deposits

Private banks have greater autonomy than state-owned banks, and their interest rates are much higher than state-owned banks.

2 million in a private bank can buy a deposit of 4.5%. One year's income is:

450×200=90,000 yuan

90,000 yuan a year, which averages to 7,500 yuan per month. This income level, in a big city like Wuhan, belongs to the middle-to-high-income group. It is definitely not a problem to feed a person.

If you know how to manage your family well and spend half of your money every month and keep half of it, you can buy a private car worth more than RMB 100,000 in three years.

Other ways to save money in banks

Some people may think that the interest rates for depositing time deposits, treasury bonds, etc. are too low. Are there any banks with higher interest rates?

Yes, financial management and funds.

If 2 million can buy a relatively high-quality and stable financial management, it will definitely be no problem to earn 5.0% a year. If you buy a fund, you can achieve an annual return of 10.0%.

But what we need to know is that financial management and funds are risky. In essence, financial management is non-guaranteed and has floating returns. Funds, especially stock funds, are really just playing with the heartbeat. It is not suitable for investment by ordinary people without experience.

Having a deposit of 2 million in the bank is a small winner in life

Many people will think that a deposit of 2 million is not much. It seems that people with deposits of several million can be seen everywhere. Let’s calculate how difficult it is for ordinary people to deposit 2 million.

If you earn 10,000 yuan a month, save half of it, 5,000 yuan. It takes 33.3 years to save enough 2 million.

If you earn 5,000 yuan a month, save 3,000 yuan. It takes 55.6 years to save 2 million.

If your monthly salary is only three thousand, save one thousand and fifty. It takes 111.1 years to save enough 2 million.

It can be said that for us ordinary people, the probability of earning 2 million in this life is not as high as the probability of winning 2 million in the lottery.

You have a deposit of 2 million yuan in the bank. We invest conservatively and buy large certificates of deposit, which will earn 6,667 yuan in interest a month.

If we know how to invest and are experienced, it is not impossible to earn more than 10,000 yuan a month

As long as you are not extravagant or wasteful, and put 2 million in the bank, just every year The interest is enough to make your life comfortable. Even if bank interest rates decrease and prices increase in the future, the principal plus interest will still be enough for an ordinary person to live a lifetime.