If you have a deposit of 3 million in the bank, as long as you plan your money properly, you can live a very good life with interest.

Nowadays, there are many people worth millions, and many people’s houses are worth millions.

But if there is a deposit of 3 million in the bank, it is really very small.

Let’s first calculate how much interest we can get in a year if we deposit 3 million in the bank.

Are interests enough for our lives?

If you deposit 3 million yuan in the bank, how much interest income can you get in a year?

1. Current deposit account Current deposits have the lowest interest rate among banks, and the current interest rate of state-owned banks is only 0.3%.

If we deposit 3 million in a current account for a year, the interest will be only: 30 300 = 9,000 yuan, which is only 9,000 a year, less than 800 a month.

If you live in a rural area, you can barely live an ordinary and simple life just by eating.

If you live in a city, normal people's expenses will definitely not be enough, unless they only eat steamed buns and pickled mustard for three meals a day.

Of course, we would not be stupid enough to deposit 3 million into a bank card current account.

2. One-year fixed term The current one-year interest rate of state-owned banks is 2.1%.

If you save 3 million yuan for one year, the interest after maturity will be: 20,300 = 63,000 yuan. The annual interest is 63,000 yuan, which is an average of 5,250 yuan per month.

5,250 yuan a month.

Not too much, not too little.

It depends on how you plan to use it.

In a big city like Wuhan, the cost of living is only about 2,000 yuan a month. I have never felt shabby.

As long as you save a little, it will definitely be enough for one person's living expenses.

Plus, if you live in a small city, you can get by just fine.

3. For state-owned banks with a fixed term of two years, the current two-year interest rate is 2.6%.

If 3 million is deposited for two years, the interest after maturity is: 202,300 = 156,000 yuan. The two-year interest is 156,000 yuan, which is an average of 6,500 yuan per month.

This interest income has exceeded the average salary in many cities. For example, Wuhan is already a big city, and the average salary is only a little more than 6,000.

Flowers are definitely enough, as long as you don't live too extravagantly.

If you live in a third- or fourth-tier small city, your monthly living expenses are 6,500 yuan, and you can still live a petty bourgeoisie life.

4. Fixed term of three years. Fixed term of three years.

The current interest rate of state-owned banks is 3.25%.

If you deposit 3 million for three years, the interest after maturity will be: 353,300 = 292,500 yuan. The three-year interest will be 292,500 yuan, which is an average of 8,125 yuan per month.

With 8,125 yuan per month, you can live on in first- and second-tier cities and live a pretty good life.

Put it in third- and fourth-tier cities and live a well-off life.

If you put it in a small county town on the 7th or 8th line, or in a rural area in a city, town, or village, you will have no worries about food and clothing.

5. Treasury bonds are sold by major state-owned banks on the 10th of every month.

The latest government bond issue has a three-year interest rate of 3.4%.

The five-year interest rate is 3.57%.

Among the treasury bond rates, they are not much higher than regular ones.

But one advantage of treasury bonds is that they are irregular and the interest can be withdrawn every year.

If you buy a three-year 3.4% government bond with 3 million yuan, the interest you can receive every year is: 30,300 = 102,000 yuan. The annual interest is 102,000 yuan, which is an average of 8,500 yuan per month.

If you buy 5-year treasury bonds with 3 million yuan and the interest rate is 3.57%, the interest you can receive every year is: 37,300 = 107,100 yuan. The annual interest is 107,100 yuan, which is an average of 8,925 yuan per month.

Through calculation, we can see that if we buy treasury bonds, the monthly interest will be nearly 9,000.

In addition to living a normal life, it doesn’t hurt to go out a few times a month as a luxury.

If you live in a small county or a rural area on the 7th or 8th tier, you can barely do it.

6. Time deposits There are currently very few certificates of deposit issued by state-owned banks, and local commercial banks can still purchase them at any time.

Because there are more than 1,000 rural commercial banks across the country, the interest rates on deposit certificates of each bank are different.

In some areas with developed economies, the interest rate on three-year CDs is only 3.85%.

In some places where the economy is average, the interest rate on three-year certificates of deposit from city commercial banks is 4.0%.

Higher interest rates, around 4.2%.

Let’s take a mid-range value, 4.0%, and calculate it.

3,000,000 yuan is deposited into a three-year time deposit certificate, and the three-year income is 360,000 yuan, and the average monthly interest is exactly 10,000 yuan.

A monthly income of over 10,000 yuan is considered a high salary for the working class.

In terms of income level, it has far exceeded the national average salary.

Even if a girl likes to dress up and buy things, that should be enough.

For those who know how to manage a household, 10,000 yuan a month can fully support a family of three.

7. Private bank deposits Compared with state-owned banks, private banks have greater autonomy in the floating of interest rates.

3 million in a private bank can buy a deposit of 4.5%.