As a bank employee, I can tell you clearly that having 4 million cash can fully support a decent life for the rest of my life. In the bank, the annual interest is enough for you to have enough food and clothing in your later years.

Many people have no concept of money. Let's popularize it for everyone today. What is the concept of 4 million?

in the year of no doubt, you can have 4 million yuan, which is definitely a big winner in life without exaggeration.

1. What kind of income do you need?

The age of no doubt is 4 years old. If you come out to work at the age of 2, you will save 4 million yuan after working for 2 years.

on average, we will save 2, yuan every year. If it averages to every month, it means saving 17 thousand a month.

Ordinary people don't say that they save 17, yuan a month and 2, yuan a year. Being able to earn 2, a year has exceeded 99% of the working class.

if you earn more, you must spend more. If you want to save 2 thousand a year, your annual salary should at least double, at least above 4 thousand

those who can get an annual salary of more than 4, are at least at the level of corporate executives. As far as this achievement is concerned, it is rare in the working class.

it is no exaggeration to say that you are a big winner in life.

2. how much interest can I get if I keep it in the bank?

(1) Buy government bonds

The current three-year government bonds have an interest rate of 3.4%. Five-year national debt, the interest rate is 3.57%.

If you buy 4 million yuan of three-year treasury bonds, the interest you can get every year is:

4 34 136, yuan

On average, it is 11,3 yuan per month.

If you buy 4 million yuan of five-year treasury bonds, the interest you can get every year is:

4 357 1428 yuan

On average, it is 119 yuan per month.

the interest of more than 11, yuan a month can be said to kill more than 9% of the working class. You can live a decent life in any city in China.

(2) Buy certificates of deposit

If you buy certificates of deposit from a local small bank with 4 million yuan, you can definitely talk about the interest above 4.%.

4 million yuan, with annualized interest of 4.%, the annual interest is:

4,4,16, yuan

On average, it is 13,3 yuan per month.

this income is not only a decent life, but also rich in spirit. You can come to a trip at any time and visit all the great rivers and mountains of the motherland.

in a second-tier city, it's a decent life. In a small city, it is a luxurious life.

(3) Asset matching

4 million cash can be used as an asset matching. 1 million to buy government bonds, 1 million to buy certificates of deposit. 1 million to buy bond funds, 1 million to buy private equity.

as long as the operation is good, it is no problem to earn more than 5.% a year.

Then your annual interest income will be more than 2, yuan.

this income can kill more than 95% of the working class.

to live to this point in life can be said that it is worthwhile to come to this world.

I wonder how many people envy this condition.

With social security, you can get a pension after retirement. With medical insurance, even if you are seriously ill and hospitalized, you can reimburse most of them, so don't worry about clearing your wealth.

two houses, one for yourself and one for rent, with a rent of 2, to 3, yuan a year.

4 million is in the bank card, and even if it is conservative, it will earn hundreds of thousands of interest.

This is the real enjoyment of life. As long as there are no major accidents in the rest of my life, my absolute happiness will explode.

If the child is a boy after he gets married, he can be given a house as a wedding room. Give him another 1 million in cash as a wedding expense.

All major events in life can be easily solved.

Therefore, such excellent conditions are really the ultimate goal that all working-class people think about day and night.

First of all, having this money means happiness. 4 million yuan in cash is already a lot. Having 4 million yuan in cash proves that you are not in debt, and it also shows that you make money well, and your annual income must be over 8, yuan. Of course, it does not rule out that this money is demolition money. Learn to manage money in a low-key way, as long as you don't spend money indiscriminately, such as buying luxury cars for high consumption, and don't gamble, this money is very nourishing. This money has a great relationship with one's personality. People who like to save face will be cleaned up in three to five years, and they can support a decent life for the rest of their lives in the hands of people with strong self-discipline. After all, there are hundreds of thousands of interest a year, which is no problem for simple consumption.

I personally work in a bank, and I have met such customers. I have 4 million cash in the bank, and my life is very moist. I can tell you clearly that if you have 4 million cash, you can support a decent life for the rest of your life even if you don't work and travel, provided you have 4 million cash. The reasons are as follows:

1. Who can have 4 million cash? To tell you the truth, it is too difficult for an ordinary person to have 4 million cash. It can be said that it is difficult to go to heaven. The bosses of some enterprises I met in the bank seem to be very big and do well, but to tell you the truth, they can't even take out 2 million cash at one time. It is too difficult to do real economy in recent years. I think only actors, athletes, executives of listed companies, executives of financial enterprises, online celebrity and the bosses of some enterprises, that is, the so-called high-net-worth people, can have 4 million yuan in cash, let alone 4 million yuan in cash.

2. If there is 4 million cash, it is a big customer for the bank, which means that the fixed deposit interest rate is relatively high. According to the interest rate of 4.25%, the annual interest rate income is about 17, yuan, and the average daily income is 465.75 yuan, which is already high enough for one person to live. Last year, our bank branch deposited a fixed deposit of more than 2 million yuan for three years, and the interest rate was 4.5%.

3. If 4 million cash is used for financial management, the annual comprehensive rate of return can reach 6%-8%, and the annual income is between 24, and 32,, which is enough for a family.

4. The most important point is to consider the debt of individuals and families. If you have 4 million cash but 3.5 million debts, to be honest, the pressure of life is also great. The bosses of many small and medium-sized enterprises are like this. They have a lot of assets of 1 million yuan or even hundreds of millions of yuan, but they have greater debts and great pressure on their lives.

To sum up, I think that if a person has no debt and 4 million yuan in cash, he can live a decent life without any pressure, provided that 4 million yuan without debt is in cash, not other assets.

What is a decent life? We should make it clear. If you are like the celebrity Li Xiang, I'm afraid 4 million yuan won't last for a few days. If you deposit 4 million yuan in the bank with an annual interest rate of 2%, you can get 8 thousand yuan a year, which is more than 2 yuan a day. Do you think you can live a decent life?

4 million, according to the current reality, is enough to live for 1 years.

But according to the future, who can estimate what will happen in the future? Inflation, 1 years ago, 4, is equivalent to 4 million now. Therefore, it is inferred that after 1 years, 4 million will be worth about 4,.

There is a sum of money. If you don't use it, it will depreciate rapidly. If you want to use it, where should you use it, buy a house, do business, buy a shop, save money or buy stocks?

If you don't buy anything, then watch it depreciate. If you buy this thing, there is a risk, and the wrong investment means nothing.

If you deposit it in the bank, you will be devalued. Ten thousand yuan households were rich 2 years ago, but now 1 million yuan is not rich.

If a major traffic accident occurred while driving, 4 million yuan will be fully compensated, it may not be able to solve the problem.

The risks in the future are hard to predict. Who can be disaster-free and disease-free? Who can be without some ups and downs? There are also families and friends. Some people lend 2 million 4 million yuan and never get it back. If you have a major illness, millions will be gone, and that must be paid!

how many people have had hundreds of millions and tens of millions of rich people, and now they are poor.

People live in the society. If they have no brains, money is also poor. They have no place to use it, do not spend money, and only save money. After saving money, the money will become less and less.

If you want to make money flow, the risk is so great now, and people's integrity is so poor.

4 will take 2 years and 3 years. I don't think this money is enough.

There is no problem at present. No one can predict the future, just like the weather forecast. There is still a disaster that has not happened in 1 years, or in a hundred years.

No, there is only the word "decent". In your mind, it's useless to have more money, and you'll never be really happy.

The financial management of the homework major must tell you that you can not only live a decent life, but you are simply a winner in life. At the age of 4, he has a height that others can't reach in the next generation, holding 4 million cash, two suites in second-tier cities, a car, and 2 years of social security.

if you work from the age of 2 to the age of 4, for 2 years, you have achieved a height that others can't do in their lifetime.

many people can't earn 4 million yuan after working all their lives. Let alone save it.

1. If people earn 5, yuan a month, they will only earn 6 million yuan a year.

1 years is 6,,

2 years is 1.2 million

3 years is 1.8 million

4 years is 2.4 million

5 years is 3.6 million

7 years is 4.2 million

That is to say, a person with a monthly income of 5, yuan needs to work at least nearly.

2. People who earn 1, yuan a month earn 12, yuan a year.

ten years is 1.2 million.

Twenty years is 24 million

Thirty years is 3.6 million

Thirty-four years is only about 4 million

People who earn over 1, yuan in a normal month earn more than 4 million yuan in their lifetime. Even people with a monthly income of over 1, yuan are now earning a high salary.

3. People who earn 2, yuan a month will earn 24, yuan a year

2,4, yuan in ten years

4,8, yuan in twenty years

People who can earn more than 2, yuan a month. Nowadays, the talents in society are more elite, and many people can't do it all their lives, earning 2 thousand yuan a month.

then if you want to save 4 million yuan in 2 years, you need at least

4 2 12=1.66 yuan a month

you need to save almost 16,6 yuan a month. . 98% of the people in the country can't earn so much money in a month, let alone save it.

This kind of people are generally young geniuses. When they come out to mix with the society, they will make their debut at the peak, with an annual salary of at least 4,. They are either social elites or young geniuses.

this kind of person is an absolute winner in life.

1. One-year fixed deposit in bank

At present, the interest rate of one-year fixed deposit in bank is 1.75%

4 175 = 7,

, and the average monthly income is 5,888 yuan. This interest has exceeded the pension of the vast majority of people in the country. This income is enough for living expenses in first-tier cities.

2. Two-year fixed deposit in the bank

Now the interest rate of two-year fixed deposit in the bank is 2.25%

4 225 = 9,

On average, you can get almost 7,5 yuan per month, which can be said to be one of the best in any pension in the country. There is nothing wrong with living a well-off life.

3. Three-year fixed deposit in the bank

Now the interest rate of three-year fixed deposit in the bank is 2.75%

4 275 = 11,

You can get an average income of 9,15 yuan per month, and you can live comfortably in first-tier cities.

4. Bank certificates of deposit

At present, the three-year yield of bank certificates of deposit is 3.55%

4 355 = 142,

On average, you can get 11,833 yuan per month, and this income easily exceeds 1, yuan per month, which is beyond the envy of many people.

This kind of capital can be put anywhere for the rest of my life with dignity. Every month, the passive income has reached 2, yuan, and many people can't achieve this achievement even if they work hard all their lives.

You can travel countless times in China every year, and it is not a problem to travel abroad several times a year.

With this capital, you can retire early and enjoy your life.

In front of different people, there will be different answers to such questions, and they are very different answers. People who don't have much money often think: if I have millions of money, how should I arrange my life, how to travel and relax, and so on. People with millions of funds may be thinking about how to expand assets and how to preserve and increase their value. Of course, it also depends on a person's age, occupation, region, city, surrounding environment, contact circle and so on.

There is another important question, what is a "decent life"; Not to mention private jets, global travel, high-end villas, expensive sports cars, and famous bags; It is not easy to count how much ordinary people spend in their daily lives. The main expenses are not daily necessities, water, electricity and gas, but buying a house, sending children to school, seeing a doctor and so on. Many people have to worry about getting jobs, buying houses, marrying daughters-in-law and girls for their children. The so-called "old and small".

according to the situation described in the title, there should be no major problems in leading a normal life.

yes, if you already have a house, medical care and old-age insurance, 4 million cash will do.