Yu’E Bao is a capital-guaranteed small change financial management with no fixed period and can be withdrawn at any time. The current annualized return has been less than 3%. It is impossible to live off the so-called interest by putting 300,000 yuan in it. More than 20 yuan a day is not enough to buy a pound of pork belly. Therefore, it is not advisable to use 300,000 yuan as small change for financial management.

For short-term financial management, it is recommended to buy short-term capital-guaranteed fixed-term financial management. For example, 180 days can achieve an annualized rate of 4% recently. In addition, allocate some long-term financial management. If you prefer risky investments, you can research stocks or stock-focused funds for fixed investment. In addition, buying ETF funds is also a good choice.

It is unreliable to live on just 300,000 yuan of financial income and cannot stand the test of time. If you encounter an urgent need, how will you provide for your own food and drink? Therefore, it is even more unacceptable to do nothing at home every day. Young people should pay more attention to martial ethics, work hard, and earn a few more 300,000 yuan.

Today, with Yu’E Bao’s income declining year by year, the days of relying on putting money into Yu’E Bao to earn income to meet daily expenses are gone forever.

If you put 300,000 yuan into Yu'e Bao, based on the current annualized rate of return of 2.3%, the interest in a year will be only 6,900 yuan, and the daily income will be only 18.9 yuan.

Therefore, today, when a bowl of noodles costs 10 yuan, you can’t even eat two bowls of noodles with 300,000 Yu’e Bao. To open 300,000 yuan in Yu'ebao correctly, follow the three steps

01.

Put 3-5 months of daily expenses in Yu'ebao, which can be used to meet daily needs Urgent need for money.

I usually put 10,000 in it. If it is useful every month, I will try to make up the amount when the salary is paid next month. In this way, the annual income will be about 210 yuan.

02.

Take out 15,000 and deposit 5,000 every two days for 7-day China Life to win every week.

In this way, a sum of 5,000 yuan will be due every two days to meet small urgent needs. The current annualized yield is 2.8%, and the interest income after one year is 420 yuan.

03.

Spend 60,000 and buy 30-day regular financial management at a lump sum of 10,000 every 5 days, with an annualized rate of return of 3.2%.

There is a 30-day regular financial management product called Jianxin Pension Feiyuebao on Alipay, with an annualized return rate of 3.2%. Putting 60,000 yuan is equivalent to having a sum of 10,000 yuan due every five days, which can be used to deal with more Large emergency expenses. The income after one year is 1920 yuan.

04.

I will use all the remaining 215,000 for regular financial management for one year to obtain stable and high returns.

Now Alipay has launched three one-year fixed financial products, with a yield of about 4.5% higher than three-year bank fixed deposits. They are: China Life Anxinying 360, China Life Anxinli 365 and Yangtze River Retirement adds years of enjoyment.

I have bought all three models, so my annual income will be 9,675 yuan. Some people will say why not save 600,000 for regular financial management for a year. Isn’t the return higher?

This configuration is possible, but don’t forget that financial products have a shortcoming: once purchased, financial products cannot be redeemed in advance before they expire, so I need to evaluate my daily use of money and match different options. Financial products with a deposit period increase the flexibility of funds and ensure maximum returns.

In summary, with this smooth operation, the annual income is 21421929675=12225, which is an average of 33.4 yuan a day, which greatly increases your chance of survival.

Therefore, if you want to use financial management income to meet living expenses, you also need to work hard to increase your capital and financial management methods in order to achieve financial freedom in the future.

Teacher Jiang’s point of view: If you put 300,000 yuan in Yu’e Bao and do nothing at home every day, you may be able to survive in rural areas relying only on interest, but it is basically impossible in cities. Consumption Capacity in Rural Areas

If you live in a rural area and don’t have many requirements for life, you can still meet your needs for survival.

At present, the income per 10,000 points of Yu'ebao is about 0.62, which means that if you put 300,000 yuan in Yu'ebao, you will earn about 18.6 yuan per day, which is 558 yuan a month. Of course, if you live a more diligent and frugal life in the countryside, you can still survive. In the countryside, you can grow your own vegetables, raise some chickens, ducks, and geese, and the food and rice you buy are not too expensive. The only thing left is to pay the water and electricity bills. There’s so much to spend money on. Of course, this is only the living expenses for you living alone in a rural area. Consumption power in the city

If you are a person living in the city, even if you own a house and are not under the pressure of rent, the 558 yuan is not enough to live in the city. This amount of money If you go out for two meals in the city and hang out with friends for one night, it will be gone.

In the city, the minimum standard for each meal is about 10 yuan. A day's meal costs about 30 yuan, plus the consumption of water, which means you have to spend at least 40 yuan a day. 558 yuan can only get you there. Survive in the city for about 13 days, and for the remaining 17 days you can only drink the northwest wind. In addition, when living in the city, it is inevitable to go out with friends to relax and have fun, which is not a small expense. Therefore, the income of 300,000 Yu'e Bao alone is completely insufficient to live in the city.

If you want to live in the city, you must have normal consumption and income of at least 3,000 yuan. Only an income of more than 3,000 yuan can enable you to have normal consumption and normal communication in the city every month. The income from Yu'E Bao alone will reach about 3,000. You have to put at least 200 million in Yu'E Bao. If you have 200 million in funds, you don’t need to put it in Yu’e Bao at all. If you go out and invest in other things, the income will be much greater than what you can earn simply by relying on Yu’e Bao. For example, if you use the 2 million to buy a house, you can either rent it out or wait for the appreciation in value before selling it. Nowadays, houses are generally appreciating in value. I believe you can earn more from rent alone than you can by putting it in Yu’e Bao.

If you stay at home every day and just wait for this meager income, life will not be fun at all. The income is not high and you can only make ends meet. Getting married and having children in the future will also be a huge expense. , you can’t afford it just by relying on Yu’e Bao’s income. If you wait at home for a long time, you won’t be able to stand this boring life.

To sum up the above complaint

It is unrealistic to live solely on the income of 300,000 Yu'e Bao. Even if the elderly retire, they will not be able to live on this income. It is more difficult, let alone young people who are struggling to make progress. The income needed for dating and marriage in the future cannot be solved with this income.