I am currently thirty-three years old, with fixed assets of more than RMB 4 million, and the annual rent is RMB 100,000. My husband’s annual salary is 150,000 and I am 80,000. We are still working hard to make money to support our family!

Do you think three million is enough for your future life? There are no absolutes in everything. Bring an umbrella when the weather is sunny, and solid food when you are full!

Nowadays, 3 million may be a lot, enough for two people to live for a long time, but there are often many variables in life. It is best to have a financial source. If you only rely on the 3 million, it will be easy to sit back and have nothing. At that time, the age

Now that I'm older, it's even more difficult to find a way to make money.

As a human being, I think it's best to be prepared for danger in times of peace. It's never a bad thing to be prepared.

hope this helps!

This needs to be determined according to your own quality and level of life!

If you live in the rich circle, one year may be enough. If you live a poor life like the elderly in rural areas, you will still have a balance after your whole life. Wherever you need 3 million yuan, 1 million is enough!

Of course, judging from the question asked, you should have a relatively high quality of life, so you are worried that your 3 million will not be able to support your pension!

But according to your kind of life, it will cost about 160,000 yuan per year.

Just imagine, if you have this level of consumption, even if you can maintain it until you receive a pension, will the monthly pension be enough for the two of you?

Therefore, it is better not to think about nothing and regret it when you are old. When you are young, you should work harder!

I think it’s okay. I have no other burdens at the age of 43. It will be less than 20 years before I get my pension. I will deposit 3 million in cash on a regular basis and divide it into three tranches, one (200,000) for one year and one (800,000) for two years.

The remaining 1.8 million will be deposited for three years, and the remaining 200,000 will be placed in Yu'e Bao, which can be withdrawn as needed, and you can still have money to buy groceries.

The average annual interest rate is 4%, and the annual interest is 110,000.

After one year, I withdraw the first deposit interest, which is only a few thousand yuan, leaving enough money to live on. I continue to deposit the rest on a regular basis for one year. After two years, I withdraw the second regular payment, which has an interest of about 60,000 yuan, and also leaves the same amount.

If enough is enough for living expenses, the rest will be put aside for two years on a regular basis, and the same will be followed in the future.

I roughly estimated that if your annual living expenses can be controlled within 100,000, you will still have 3 million when you retire.

If your annual living expenses exceed 200,000, it may not be enough.

For me personally, it seems a bit difficult for two people to control their annual living expenses within 100,000, but it should be possible within 200,000.

To buy bank stocks, find one with a price-to-book ratio lower than 0.6 and a price-earnings ratio lower than 6. Get dividends every year, buy new stocks, sell high and buy low, and easily earn more than 300,000 per year.

The financial industry is the industry with the most scammers. When buying financial management, funds, insurance, trusts, p2p, private equity, etc., you leave your money to others to take care of it. Among them, agents, financial companies, fund managers, invested assets, etc. are all scammers.

If you want to make money for yourself rather than for your clients, you should expect everyone in all links to be honest. It is better to open an account and buy stocks directly. A gentleman does not stand behind a dangerous wall.

Why buy bank stocks?

There are too many scammers in the stock market. There are listed companies that falsify their financials, fake technology companies that chase hot topics, capital tycoons who maliciously try to undermine the stock price, analysts who make bad remarks, and all kinds of deception.

Therefore, the stock market is regulated by the State Securities Regulatory Commission.

For banks, in addition to supervision by the China Securities Regulatory Commission, there is also supervision by the People's Bank of China and the China Banking Regulatory Commission. It is difficult to falsify performance violations, and it is difficult to maliciously raise or suppress stock prices.

Large and joint-stock banks are related to the lifeline of the country's economy, and the state will take action at critical moments. During the stock market crashes in 2008 and 2015, the state first boosted bank stocks.

For a long time, bank stocks have a large market, strict supervision, and no deceptive topics. Those big funds that make trouble dare not touch bank stocks, so bank stocks have always been undervalued. Bank stocks are the domain of long-term value investors and can be stable.

Obtain dividends and net asset appreciation.

Banking stocks have a dedicated investor circle on Snowball, which analyzes each bank's statements thoroughly.

There are many financing companies that have been entrenched in bank stocks for a long time, selling high and buying low, and the annual profit should be more than 15%.

I think you can take a two-year break and then find something to do. If your life is not demanding, you can find a lighter job. You can be happy until you grow old. There is no point in not doing anything at all.

In terms of ordinary life.

For large deposits, you can negotiate an annual interest rate of more than five points with the bank.

Moving to a small city is enough.

I think whether it’s enough to get a pension depends on how you spend it and how much your daily expenses are.

At present, based on the money you provide, if you retire at the age of 60, there are still 17 years left, and each person can spend 88,200 yuan per year.

According to normal people's living standards, it should be enough, but major events must be excluded.

I can definitely answer you "yes". Your 3 million yuan deposit will earn an annual interest of 135,000 yuan. The interest can finance the lives of two people.