At 40 years old, I already have a savings of 200,000. Can I achieve my goal of not continuing to work?

As the lobby manager of a state-owned bank, I can calculate for you how much interest income can be generated every year if you have a bank deposit of 200,000.

In this way, we can know whether we can win with a bank deposit of 200,000.

Nowadays, banks have a lot of deposit activities, including fixed-term deposits, treasury bonds, large-denomination certificates of deposit, etc. with guaranteed principal and interest.

Those with high returns but risks include financial management and funds.

We can calculate separately how much interest income these deposit methods can bring us each year with a principal of 200,000?

Can it meet our daily expenses and allow us to achieve a win-win situation?

1. Current state-owned banks have a one-year fixed-term interest rate of 2.1%. If you deposit 200,000 for a fixed-term period of one year, the interest you can get on maturity is: 210 20 4200 yuan. The interest rate for one year is 4200 yuan. On average, the interest rate is 4200 yuan per year.

The monthly interest payment is 350 yuan.

The interest of 350 yuan a month cannot meet the living expenses even in rural areas.

If you want to live on this interest money, you really can only eat steamed buns and drink cold water every day.

2. Two-year fixed term. The current two-year fixed term interest is 2.6%. For 200,000 villages, the two-year fixed term interest will be: 260 2 20 10,400 yuan. The interest income in two years is only 10,400 yuan, and the average is only 5,200 yuan per year.

, and then the average is only 433 yuan per month.

For example, my uncles and aunts in my hometown in the countryside have their own vegetable gardens and save money every day. Their monthly personal expenses are more than 500.

Therefore, by saving 200,000 yuan for two years on a regular basis, even if you live in a rural area, you cannot achieve the goal of not working but earning money.

If you want to survive on interest, it mainly depends on whether you can resist hunger.

3. For three-year fixed-term state-owned banks, the current interest rate for three-year fixed-term is 3.25%. If you deposit 200,000 for three-year fixed-term, the interest you can get after maturity is: 325 3 20 19,500 yuan. The three-year interest is 19,500, which averages out to 6,500 per year.

Yuan, on average, it is 542 Yuan per month.

If you want to live on 542 yuan a month, as long as you can bear it, three meals of steamed buns and pickled mustard every day is enough.

4. Treasury bonds The current interest rate on three-year Treasury bonds is 3.4%.

The interest rate on five-year Treasury bonds is 3.57%.

Moreover, the current treasury bonds are all open-ended treasury bonds, and the interest can be withdrawn every year.

If you purchase a three-year treasury bond with an interest rate of 3.4% for RMB 200,000, the annual interest you can receive is: RMB 340 20 6800 yuan, and the average monthly interest is 567 yuan.

If you want to live on 567 yuan per month, the main thing is to test your ability to resist hunger.

If you purchase a five-year treasury bond with an interest rate of 3.57% for RMB 200,000, the annual interest you can receive is: RMB 357,207,140, ??and the average monthly interest is RMB 595.

Again, as long as you have level 10 starvation ability, you can survive.

5. Large-denomination certificates of deposit. Currently, the interest rates for three-year large-denomination certificates of deposit at local commercial banks are around 4.0%.

And 200,000 yuan just meets the minimum purchase amount requirement.

If you buy a three-year certificate of deposit with an interest rate of 4.0% for 200,000 yuan, the interest after maturity will be: 400 3 20 24,000 yuan, 24,000 yuan for three years, which averages out to 8,000 yuan per year and 667 yuan per month on average.

Unless you can endure loneliness, stay in the countryside and live a very frugal life.

Otherwise, 667 yuan a month will definitely not be able to meet the living expenses.

1. Bank financial management products. Nowadays, the annualized returns of bank's stable financial products are around 4.5%. If the returns are higher, the risks will be too great.