Many people have had that ideal: "It would be great if I saved xx million, so that I could live and clothe myself just by relying on interest." In the minds of Chinese people, savings are the most appropriate financial investment method. In terms of reliability, there is currently no financial investment on the market that is safer than deposits.

In addition, you can also get fixed interest on deposits. If you choose a savings method with a higher annual interest rate based on your own capital limit, the profit will be very good. Because of this, many people have the idea of ????depositing money in financial institutions, and our country also has the largest savings rate in the world.

Compared with the interest rates of financial institutions, Yu’e Bao’s interest seems to be higher, and Yu’e Bao is paid on a daily basis, and the procedures for deposits and withdrawals are not as inconvenient as those of financial institutions, so now Alipay wallet Yu'e Bao can be regarded as an investment and financial management platform that everyone loves. Some people ask, if I save 300,000 in Yu'e Bao, can I live only on interest every day without working? How much is the interest?

First of all, we need to understand how the profit of Yu'E Bao is calculated and how much the interest of Yu'E Bao is. As the end of the year approaches, various platforms are adjusting their rules and regulations, including Yu'ebao. Many rules and regulations have been adjusted recently. These changes will undoubtedly affect the profits of users.

Everyone should be aware that although the interest on Yu'E Bao will be a little higher than that of banks, if we calculate it based on the maximum interest on Yu'E Bao, then the interest on a 10,000 RMB Yu'E Bao deposit will only be 1 yuan a day. , and if Yu'e Bao deposits 300,000 yuan, the daily interest is only 30 yuan. What can you do with 30 yuan? Calculated according to today's price level, unless you only eat two meals a day, you may not even be able to eat. If you only live on the interest of 30 yuan a day and don't go to work, your life will be very difficult.

For most young people, the daily income of 30 yuan is basically insufficient. If you live in first- and second-tier cities, 30 yuan may only be the cost of a meal. Even if you cook at home, 30 yuan is just enough.

At 30 yuan a day, the monthly profit is around 1,000 yuan. Such a wage level cannot support people living in a big city. I started to doubt my life even if I had to ensure that I had enough food and clothing, let alone income-generating expenses. Of course, if you have investment and financial management experience and are familiar with the actual gameplay of Yu'e Bao, you can also get more interest income from the relatively limited 300,000 yuan. Level of Consumption

Suppose you have been living in second- and third-tier cities. Although your spending power is not as high as that in first-tier cities, you still spend at least one to two to three thousand per month, so you only rely on 300,000 to save Yu’e Bao. To make a profit, it’s not good to think about not working. If you want to live a better life, you should work more seriously and rely on your own diligence to get what you want. Don’t always think about opportunism. .

Young people rarely get sick, and even if they do get sick, it's just a minor problem like a cold, which can be solved by drinking more hot water. However, as we age and our immunity weakens, we will get sick more and more often, and the diseases will become more numerous and serious. No one can beat their chest to ensure that they will never be hospitalized for major diseases. If they only live on interest and have no job, they will have no medical insurance, social security, or commercial insurance. Once they encounter a serious illness, there are countless examples of people returning to pre-liberation overnight. Spend your entire savings with a snap of your fingers.

Elderly care is also a very important issue. Affected by inflation, the money you have now may become increasingly worthless, and even if you save Yu'e Bao, you will encounter a price drop. It is true that 300,000 yuan cannot provide elderly care services until you are old. Nowadays, the number of nursing homes for the elderly is 3,000 yuan per month. In the future, the number of nursing homes for the elderly is likely to soar to 30,000 yuan per month, and you will not be able to sustain it. You may say that your children will ask you to provide elderly care services, but you are overthinking it. Your 30 yuan a day of light meals and various water, electricity, liquefied gas and living expenses are unlikely to be able to afford it. To carry out the serious task of carrying on the family line.

Under normal circumstances, if a person has 300,000 yuan in cash, it is impossible to make money entirely from the interest of Yu'e Bao. They will definitely choose a more advanced financial management method, except Yu'e Bao, to save the money. You can also get very good returns by entering a bank and choosing a large deposit method.