As the lobby manager of a state-owned bank, I can tell you clearly. If you put100000 in the bank, you can win by lying at home every day. You just need to play, and the rest of the bank will take care of it for you.

In China, there are more than 654.38+00,000 people with bank deposits, accounting for 0.654.38+0% of the total population, about 654.38+04,000. Only 0.0 1%, or about140,000, has a deposit of more than10,000. So there are more than10 million in the bank, which is already the top person in the country.

Let's see how much interest we can get by depositing 654.38+million in the bank.

1. Survival period

Suppose we just put this 6,543,800+million in the current account of the bank card, how much interest is there in one year?

The current interest rate is 0.35%, 1 ten thousand yuan a year in 35 yuan. If100000 yuan is deposited into the current account, the interest for the current year is:

1000 35 35,000 yuan

Of course, we won't be stupid enough to put this 10 million in a current account and make contributions to the bank for nothing.

2. One-year fixed deposit

At present, banks pay interest on a regular basis for one year, up to 2.25%. If we deposit100000 yuan for a fixed period of one year, the interest due is:

2251000 225,000 yuan

On average, we have 12 months in a year, and each month is:

225,000 yuan1218750 yuan

My city, Wuhan, is a first-tier city, but now the average salary is only about 4 thousand. Ordinary people can save a little more than 2,000 a month, which is completely enough for life. 18750 yuan a month, even in Wuhan, you can live well. It can even be said that a family of five is completely enough.

If you are in a small second-and third-tier city, you can live a life of food and clothing for the whole family. If it is a small county town or a rural area along the 7th and 8th lines, it is hard to say that a person, or even a family, can live a luxurious life.

3. Save for two years.

At present, the interest rate can reach 3.0% when the bank deposits for two years, and the interest rate for two years100000 is:

300 21000 600,000 yuan

The average monthly interest is:

600,000 yuan 2425,000 yuan

25,000 yuan a month, it can be said that any city in China can live a good life. This monthly income exceeds the salary of 99% people in China.

4. Three-year fixed deposit

The interest rate has been fixed for three years, and now the highest bank interest rate can reach 3.58%. 100000 deposit with interest due in three years is: 3583 1000, 1074000 yuan.

Others want to deposit millions in the bank, which may take a lifetime of hard work. And you only need to play at home for three years, and the bank will automatically send millions of interest money.

Our average monthly interest is:

1074000 36 29833 yuan

This month's interest has killed 99.9% of office workers in China.

How many people live on less than 2000 yuan a month? You can think for yourself. I'll give you nearly 30 thousand a month, and it's still that much every month Just ask you how to spend it.

Buy government bonds

10 of each month is the time to issue the national debt, and the national debt is also absolutely guaranteed. At present, the interest rate of three-year treasury bonds is 3.8%, and the interest rate of five-year treasury bonds is 4.0%. Moreover, the current national debt is electronic and open, and you can get interest once a year.

If 10000000 yuan is used to purchase 3.8% national debt for three years, the total interest due is:

1000 38031140000 yuan, you can get 380000 yuan every year, which is 3 1667 yuan on average every month.

If 100000000 yuan, you can get interest every year if you buy a five-year 4.0% national debt:

100040040000, after five years, the total income was 40.52 million, with an average of 33,333 yuan per month.

Whether it is a five-year national debt or a three-year national debt, the average monthly interest is above 30,000. Your finances are completely free. Go to the supermarket to buy things, without looking at the price. Buy whatever you want and take whatever you want.

6. Buy certificates of deposit

In the bank's deposit activities, in addition to fixed-term and national debt, there are also large deposit certificates. Now you can buy a three-year deposit certificate with an interest rate of 4.0%. For five-year certificates of deposit, the interest rate can reach 4.5%.

If it is100000 yuan, buy a three-year 4.0% certificate of deposit, which is the same as the five-year national debt interest rate. After three years, we can get the following benefits:

1000 400 3 1200000 yuan, with an average of 33333 yuan per month.

100000, buy a five-year 4.5% certificate of deposit, and the income after maturity is:

1000 5 450 2250000 yuan

The interest of 2.25 million means that your principal will be changed from 6.5438+million to 6.5438+0.225 million after maturity.

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

2250000 60 37500 yuan

37,500 yuan a month, one day 1250, just ask how you spend it.

In a big city, if you are extravagant, you can definitely spend it. If you are in a small county or rural area, you can't lose nearly 40 thousand a month.

7. Other bank deposit activities

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

However, in essence, financial management is a non-guaranteed floating income, and bank financial management has broken the rigid redemption, and there is no way to absolutely protect the capital and interest.

The fund is a high-yield and high-risk product, with 6.5438+million yuan invested in the fund market, and it can earn 500,000 yuan on a good day. If the market is not good, you can lose 500 thousand principal a day. Therefore, people without experience and risk tolerance are not suitable for speculating in funds.

As for insurance, it is a long-term plan, part of which is put in and can't be taken out for a lifetime. Moreover, in the insurance market, there are many salesmen who mislead customers and sell for performance. Therefore, it is not recommended that people who do not understand insurance buy insurance.

In order to ensure the safety of the principal, guarantee the capital and interest absolutely, only fixed-term, national debt and large deposit certificates can be made in banks.

You have100000, which is basically the winner in life. Ordinary people like us, the probability of earning 10 million in this life is not as high as the interest of 5 million in buying lottery tickets.

For example, the salary of 10 thousand a month is relatively high. If you can save 5,000 yuan a month, it will take/kloc-0,000,000 years to save enough. A person can work for 30 or 40 years at most in his life, which is only a matter of several lifetimes.

If the salary is not high and you can only save 2000 yuan a month, it will take 500 years to save100000 yuan!

If you can only deposit 1000 in a month, it will take nearly 1000 years. You need to work hard and save money from Song Zhenzong and Zhao Heng in the Northern Song Dynasty.

100000 yuan in the bank. Even if you are conservative, you can earn interest of 18750 yuan every month by saving regularly for one year.

If you buy a five-year certificate of deposit, you can get interest of 37,500 yuan per month.

It can be said that as long as you don't leave home and don't mess around, 654.38+million yuan will be deposited in the bank, which can completely guarantee that you will have no worries about food and clothing all your life.

Seeing this question reminds me of a high school classmate. The couple really put100000 in the bank. I also posted a post before, saying that there was too much wealth management, and I actually put100000 in the bank.

For professional reasons, many friends around me are rich and secure. Assets within 3,000 to 1 100 million are mainly (from outside). Everyone generally doesn't have100000 cash in the bank. Some do business, some buy houses and some buy stock futures.

I, a high school classmate, am one of the few people who have deposited 654.38+million in the bank. He himself said that he can achieve almost 6%-8% of the income, that is, the annual interest is between 600,000 and 800,000. These two lead a very simple life, and Hermes is afraid to buy them. There are less than 200 thousand scooters, and traveling and staying in five-star hotels are luxury goods. In fact, they are not short of money, and their annual salary is several million.

On the other hand, this wave of people (such as our family) who have similar assets but don't like to deposit in the bank have many brand-name bags and 2 million cars. In recent years, the investment has been very smooth, earning more than 10 million a year. Life is not a luxury, but it is common to eat three or five thousand meals. I was too lazy to cook for a while, so I went out for breakfast with my husband. Every breakfast costs more than RMB 100, and I eat 1000+ every day. Giving birth to a baby is private, and it costs 3W+ to vaccinate the baby for free. A little ashamed, but I used to be really good at spending money.

Reflection, in fact, this is not a question of more money and less money. People who put tens of millions of cash in the bank have conservative investment ideas and relatively frugal lives. Unlike this wave of business people, they have abundant cash flow and dare to spend money.

When many people don't have that much money, they think that lying flat will have hundreds of thousands of interest. If they dream, they will laugh and live a wonderful life. Actually, it's not like this. The richer people are, the more their living conditions depend on their consumption view. 100000 is not as much as expected. It is an ordinary suite in Beijing. When you have it, you will find that you will not live forever. Also want to take the subway, eat roadside stalls or eat as usual.

I happen to be such a person [covering my face]

At present, there are four houses, three cars and six parking spaces in the new first-tier cities, and there is no debt.

In addition to fixed assets, my capital allocation is simple:

1:2 million three-year certificates of deposit;

200 * 4. 125% = 82500.

2. 4 million private equity funds:

Including ledger category: 200 = 200 *15% = 300,000.

Fixed income category: 200 = 200 * 9% = 1.8 million.

3. Lend 2 million to the enterprise;

200 * 2.3% * 12 = 552,000

4. Inventory of 3 million:

300 * 10% = 300,000

5. Current wealth management is 3 million;

300 * 0.032 = 96,000

6. Trust financing: 65.438+0 million;

100 * 3.4% = 34,000

7. Cash: 200,000 yuan

Total funds:

200+400+200+300+100+20 =12.2 million.

8. Annual income:

8.25+48+55.2+30+ 13 = 1544500.

The deposit bank is stable but the income is low.

Other investments have high returns but high risks.

Therefore, we should do a good job of asset matching according to our own situation.

If you go to the bank to deposit10 million, then you are like a semi-owner of the bank. In order to show your attention, the manager or president of this bank may personally handle the business for you, or he may try his best to meet some moderate needs of you. Whenever there is a festival, there will be all kinds of small gifts. The staff may also send some tourist cards for free. When the bank deposit business is declining, the importance of the bank can be imagined for the one-time deposit 1000 million customers. Banks may also organize parties and invite some big customers to get to know each other, which is of great help to banks. It will also organize a special financial advisor to manage your funds, and take the initiative to help you Qian Shengqian.

Deposit10 million in the bank. If you are a big slacker, do nothing, eat, drink and be merry every day, do not take drugs, do not gamble, and normally eat interest and various benefits given by the bank. Those who are interested in investing in several sets of bottom businesses to collect rent can raise several college students [covering their faces]

If I have 6,543,800 yuan in the bank, I will be so happy. If I suddenly add 6,543,800+million, it's not that there is something wrong with the banking system. Of course, all I can think of is winning the lottery, but I don't seem to buy lottery tickets, so I will suddenly win 6.5438+million yuan.

If I have100,000 in the bank, then the annual interest is 400,000 to 500,000. I can't work at all. I can't find a job with such a high annual income.

I take out 8 million yuan, and the remaining 2 million yuan of bank interest is used for daily life, then 8 million yuan is invested in wealth management, 3 million in stocks, 2 million in investment funds, and 3 million in reserve funds. After all, the investment market is not always rising, and it is still necessary to invest in reserve funds to make up positions at any time.

In this way, I can not only have food and clothing, but also travel around the world, because I can make money during my trip and invest and manage money anytime and anywhere. Why not?

If you have more money, you will know that the interest is negotiable, ten or twenty points, depending on how much money you have.

First, the bank will check whether your funds are legal, and then it will give you VIP treatment.

The first step is to keep your savings for as long as possible. Usually interest rates rise, private clubs, airport VIP rooms, various holiday gifts, and black cards will be given to you. The overdraft limit is generally more than several million. Black cards can also stay in five-star hotels, first-class flights and global rescue for free.

Why do you want to deposit10 million in the bank? If you can live for 30 years, it will cost 27,000 yuan a month. If you can live for 40 years, it will cost 20830 yuan a month. If you can still live for 50 years, spend 1.66 million per month! This is basically spent to death!

Saving regular interest is not enough for me to spend a week. Where can I live as comfortably as the landlord said? Do not deposit in the bank, alas! Life is too hard.