I work in a bank, and as someone with personal experience, I can tell you for sure that if you have a deposit of two million at the age of 46 and no foreign debt, the bank's interest alone will be enough for you to survive.

According to relevant statistics, no more than 1% of households in our country can save more than one million yuan. Therefore, if you can have a deposit of 2 million yuan at the age of 46, you are definitely a winner in life.

If you don't want to go to work or take risky investments, then deposit these two million in the bank, and the annual interest will be enough for your daily expenses.

1. Purchase treasury bonds The first and second tranches of 2021 electronic savings treasury bonds were officially launched on April 10.

Among them, the three-year government bond interest rate is 3.8%, and the five-year government bond interest rate is 3.97%.

Investors can purchase through 6 state-owned banks and 10 joint-stock banks.

If you buy a three-year treasury bond with 2 million yuan, the annual interest you can get is: 200 380 = 72,000 yuan. On average, the interest will be 6,000 yuan per month.

The interest rate of five-year treasury bonds is 3.97%. The annual interest you can get is: 200 397 = 79,400 yuan. On average, you can get 6,600 yuan per month, which is an income of more than 6,000 yuan a month. In many third- and fourth-tier cities

It is already a middle-income level.

Without debt, normal living expenses can be fully met.

And if you buy treasury bonds, it has the lowest risk among all financial management activities, because the most important thing is that it can protect your principal. 2. Asset matching. Many people now advocate buying funds. If you have some research on fund financial management,

You can make your own investments.

Buy some treasury bonds, certificates of deposit, fund fixed investments, etc.

A reasonable asset mix can completely make your annual income reach more than 5.0%.

The income for 2 million years reaches 5.0%, and the interest for one year is 100,000 yuan, which is more than 8,000 yuan a month on average.

Therefore, being unemployed at the age of 46 is scary, but if you have a savings of two million, it is not scary.

With more than 8,000 yuan a month, you can live a life without worries about food and clothing in any city in China.

Nowadays, due to the impact of the epidemic, all walks of life are having a hard time. Nine out of ten investors who enter physical stores and online stores pay tuition in vain, and the remaining one is half-dead.

I would like to give you the most practical advice. Find a simple and easy job that can work from 9 to 5 and has five insurances and one housing fund. It doesn’t matter how much the salary is. Two or three thousand is fine, or three or four thousand.

Because no one can exist alone outside society.

Social security and medical insurance play a very important role for us. If you get a serious illness and there is no reimbursement from medical insurance, your 2 million savings may be reduced by more than half.

Social pension is equally important. When you retire, it will be a stable income.

Therefore, at the age of 46, I have a savings of 2 million, and I am not worried about unemployment at all. If I want to live a fulfilling life, I can find a relaxed and leisurely job, working from 9 to 5.

If you want to live a free life, just play cards and drink tea, there is no need to fight anymore.

Stock trading and futures trading.

Listen to me, you are right, life will be wonderful because of this (jiucai) if the children are good enough.

You can live very comfortably in cities below the third and fourth tiers without financial help.

My friend, in the current context, or in the eyes of many middle-aged unemployed people who are struggling to make ends meet, your confession can definitely create a star effect. Your achievements in life

, or the wealth earned, although it is not as big or as large as those rich people, it is already something that ordinary people can't even dream of, which is really enviable and admirable.

This fully proves that you are a smart, capable person who can make a lot of money.

If your 2 million deposit is demolition compensation, then it can be considered that you are capable.

Because it is not easy to keep this money.

In a sense, your unemployment status is obviously very different from that of ordinary people who are unemployed and have to find a new job. This is called unemployment without any ideological burden, or in other words, without any worries.

According to some friends, if you own your own house and don't have the pressure to repay the loan, even if you just eat the interest from the bank, your life will be much better than the average person.