If100000 yuan is deposited in the bank, and interest is earned every day, does it mean that you don't have to work?

As the lobby manager of a state-owned bank, I can definitely tell you: 10000000 yuan in the bank, you just need to count it at home every day. The interest generated every year is enough to make you worry about food and clothing. You just need to play at home and the bank will take care of the rest for you.

100000 is a large number. If it's all RMB 100, it takes at least two people to carry it home. How much interest can such a large sum of money generate for us every year?

1. Survival period

Bank demand deposit is the lowest interest rate for saving money. State-owned banks now only have an interest rate of 0.3%, and 10 thousand yuan is 30 yuan a year.

If 1000 is put in a current account, the interest for one year is:

30100030,000 yuan

If there are no other expenses, just to eat, then this current interest money can make you live a normal life.

2. One-year fixed deposit

At present, the one-year interest of state-owned banks is 2. 1%, and the one-year deposit is 1000000 yuan. The interest after maturity is:

2 10 1000 2 10,000

The annual interest is 2 10000 yuan, and the average monthly interest is 17500 yuan. This interest income has exceeded 99% of the working class in China.

For example, I live in Wuhan, which is a very big city, and the monthly living expenses will not exceed 3,000 yuan. If you have a monthly living allowance of 17500 yuan, you can definitely live comfortably in Wuhan until you take off.

If you live in a small city, the price consumption is very low. Living expenses 17500 a month, not to mention that a person has no worries about food and clothing, a family of three can also ensure that they have no worries about food and clothing.

3. Two-year fixed term

At present, the two-year interest rate of state-owned banks is 2.6%, and100000 yuan is kept for two years. After maturity, the interest income is:

260 2 1000 520,000

The two-year interest income is 520,000, with an average of 260,000 per year. The annual salary is close to 300 thousand, which has reached the income of middle-level leaders in many enterprises.

If you live alone, you can definitely achieve financial freedom and live a luxurious life. After all, the monthly consumption of nearly 30,000 people has exceeded the consumption level of 99.9% of the population in China.

4. Three-year fixed term

Now it's set for three years, the interest of state-owned banks is 3.25%, and the deposit of100000 is set for three years. After maturity, the interest is:

325 3 1000 975,000

Three-year interest is close to one million, and ordinary people need to work hard for a lifetime to deposit one million in the bank. And you only need to lie comfortably at home for three years, and the bank will provide millions of interest.

With this interest income, you can travel around with your favorite little sister 365 days a year, see the great rivers and mountains and feel the charm of life.

5. National debt

The latest national debt has a three-year interest rate of 3.4% and a five-year interest rate of 3.57%. And the advantage of national debt is that it can extract interest every year.

If 1000000 yuan buys a three-year treasury bond with an interest rate of 3.4%, the interest you can receive every year is:

3401000 340,000

If 1000000 yuan buys a five-year national debt with an interest rate of 3.57%, the annual interest can be:

357 1000 357,000

This interest income barely meets the annual income standard of our middle-class families. It is no exaggeration to say that for ordinary people, if you didn't lose your family and have no bad hobbies, you would never spend all these interest income.

If you put it in a small city or rural area, you can find a place to spend lavishly every day, which is harmless.

6. Time deposit

At present, there are 200,000 three-year certificates of deposit in local commercial banks, and the interest rate is around 4.0%. If the purchase amount is 6.5438+million, the interest rate is at least 5.0%.

100000, with an annualized interest rate of over 5.0% and an average annual interest of at least 500000.

You can take your favorite little sister or brother to watch penguins in the Antarctic in the morning and polar bears in the Arctic at night. By the way, why don't polar bears eat penguins?

7. Other bank deposit activities

Of course, in addition to the above deposit methods, banks also have investments with higher interest rates. Like financial management, funds, insurance, etc.

However, in essence, financial management is a non-guaranteed floating income, and bank financial management has broken the rigid redemption, and there is no way to absolutely protect the capital and interest.

Funds are high-yield and high-risk products, with 6.5438+million yuan invested in the fund market, and a good day can earn 500,000 yuan. If the market is not good, you can lose 500 thousand principal a day. Therefore, people without experience and risk tolerance are not suitable for speculating in funds.

As for insurance, it is a long-term plan, part of which is put in and can't be taken out for a lifetime. Moreover, in the insurance market, there are many salesmen who mislead customers and sell for performance. Therefore, it is not recommended that people who do not understand insurance buy insurance.

In order to ensure the safety of the principal, guarantee the capital and interest absolutely, only fixed-term, national debt and large deposit certificates can be made in banks.

You have100000, which is basically the winner in life. Ordinary people like us, the probability of earning 10 million in this life is not as high as the interest of 5 million in buying lottery tickets.

For example, the salary of 10 thousand a month is relatively high. If you can save 5,000 yuan a month, it will take/kloc-0,000,000 years to save enough. A person can work for 30 or 40 years at most in his life, which is only a matter of several lifetimes.

If the salary is not high and you can only save 2000 yuan a month, it will take 500 years to save100000 yuan!

If you can only deposit 1000 in a month, it will take nearly 1000 years. You need to work hard and save money from Song Zhenzong and Zhao Heng in the Northern Song Dynasty.

100000 yuan is deposited in the bank. Even if you are conservative and deposit it regularly for one year, you can still get the interest of 17500 yuan every month. If you buy a three-year certificate of deposit, the annual interest will be more than 500 thousand.

It can be said that as long as you don't leave home and don't mess around, 654.38+million yuan is in the bank and you don't have to work any more. Plus the interest generated every year, it can completely guarantee a lifetime of food and clothing.

I sold two two-bedroom apartments in the Fifth Ring Road, totaling10 million. Now I have two two-bedroom apartments, one for my son and one for myself. Spent 3.95 million to buy four suites. This is a big number. Now it depends on the value. My life was not in vain. Take your grandson to support the aged. Comfortable.

1100,000 people are not stupid enough to deposit money in the bank for interest. Let me put it this way. If you put your money in the bank, the M2 growth rate of every country will increase under the current epidemic. The10 million in your hand will only have a purchasing power of 5 million in five years at most. Use this to infer. You have at least 40 years to live, right? How many times has the currency depreciated in 40 years? My brother-in-law's wife bought an insurance policy. It is said that you can save 8,000 yuan a year for ten years, and the principal will be returned to you after ten years. Then when his baby is 80 years old, he will have a huge sum of 800 thousand. I just said: I'm lucky, this money can be used to make a spicy soup to celebrate (order two hairy bellies or the boss won't let me go if I don't have enough money). I don't know what's going on in my brain. * * * The Republic of China has only been established for 72 years, and the so-called benefits you can see when you buy insurance will take 80 years. There is a saying in medicine that it is hooliganism to talk about toxicity without dosage. Then the financial intermediary should be: putting aside inflation and talking about income is the hooligan among hooligans.

So if you have 10 million, can you lie flat and not go to work? Of course. If you change your money into gold, you can't spend it all in one year. Buy another social security. Life is perfect. You want good nutrition, that's all. If you can invest, forget it.

Give a living example. In the late 1980s, a Shenzhen accountant fled abroad with a huge sum of 300,000 yuan. I thought I would eat and drink all my life. I turned myself in a few years ago. I hope the reason is that the money is spent.

The poor always talk about money. And the rich always talk about assets. If you want to become rich, you must turn your money into assets or means of production. It can continuously create wealth for you. Li Ka-shing said that if you want to be rich. Then you should do more business. You want your business to continue. Then there must be a business in your business that keeps creating wealth for you without any big risks.

Considering inflation, there is actually no interest on this money deposited in the bank.

Theoretically, it is entirely possible. However, through many revelations, if you are caught again, you will be in trouble: if a staff member makes 1000 yuan 1000 yuan, you can use many reasons to prevaricate when you check it, and when the truth comes out, you don't know what year and month it is. ...

Give a living example to break your dream. My grandfather retired from the forest farm in the early 1980s and sent 9000 yuan. Do you know what the concept was at that time? Ten thousand households are going to be on TV, and they can buy half an alley in second-and third-tier cities in Guangdong. Then my grandparents kept it, except for giving me a pair of gold rings, which cost little. Died around 2000, with more than 7000 in the passbook. It is not enough to buy a toilet at this time. Are you clear? The so-called gain without considering inflation is hooliganism. Even if you really have 1000W, don't expect anything to be deposited in the bank to collect interest, or ponder how to get to Qian Shengqian, or continue to move bricks honestly.

My college classmate sold his 100 square meter house in Shenzhen140,000, took out 3.5 million yuan to buy a 130 square meter school district house in Chengdu, and 500,000 yuan bought a BMW 5 Series, leaving100,000 in the bank and saying goodbye to the struggle without looking back/kloc-

Students say life is short, how much is enough? I spent the most golden year of my youth 10, and got a house, a car,100000 real money. I know enough. In the future, I must choose a healthier, more balanced and more comfortable lifestyle.

My classmate's alma mater is one of the only two 985 universities in Sichuan, especially the telecommunications major, which is quite famous in the country. 20 1 1 After graduating from college, I chose to stay in school for postgraduate study, while my classmate recruited on campus, dragged his suitcase south to realize his dream, and joined Shenzhen Huawei with a starting salary of150,000, which opened his first stop in the workplace.

August 20 14, after working for three years, the annual salary of students has risen to 250,000, and with the year-end bonus, overtime pay and project subsidies, they can earn more than 300,000 a year.

Students usually don't spend much money. After three years of scrimping and saving, I saved the first small gold brick in my life, 500 thousand. This is definitely a lot of wealth for the vast majority of 25-year-old young people.

Holding 500,000 yuan, my classmate didn't buy the BMW 3 Series sedan that he liked in college, nor did he quit his job to travel around the world that he longed for when he was in college.

On the contrary, after repeated discussions between his classmates and his family, his parents gave him 700,000 yuan, and then he bought a small three-bedroom apartment with a total down payment of 1.2 million yuan in a nice community in Nanshan District, Shenzhen.

The unit price of the house is 40 thousand, and the total price is 4 million. Students run a combination of provident fund and commercial loans for a period of 30 years, and the mortgage they need to bear in one year is about 200 thousand.

At that time, I just graduated from graduate school and stayed in Chengdu to find a job in a large state-owned enterprise. The work is not very tiring, and the monthly salary is in the early days of 1 10,000. To tell the truth, I was particularly ignorant of my classmates.

At that time, in my opinion, the price of 40,000 square meters was really unimaginable. I don't know why my classmates have to take out all their savings from three years' hard work at such a high price, and then ask their parents to take out their possessions accumulated from more than 20 years' hard work to buy a house of 100 square meter, and they have to bear 2.8 million astronomical debts and repay 200,000 a year. What a pressure!

But, as it turns out, I was wrong. Besides, I was hit in the face soon.

In fact, housing prices in Shenzhen started to rise slightly at 12 and 13, and in the second half of 20 14, after students bought houses, housing prices in Shenzhen began to accelerate. During the six years from 20 15 to 2020, Shenzhen's housing prices rose like a rainbow in the first three years, and occasionally adjusted back in the last three years, but the overall price still rose a lot.

Let's talk about my classmates' work in recent years. 20 14 after buying a house, although I am burdened with a heavy mortgage, it is entirely my own burden after all.

I have to admit that Huawei is a company willing to give money as long as you are willing to pay. During the seven years from 20 14 to 2020, students' wages are increasing by 700 to 65438+ 10,000 yuan every year. By the end of 20 19, the annual salary of students has reached 800,000 yuan. At that time, he had just turned 30 and had only worked for eight years.

But ... what you get, you lose. During the eight years in Huawei, students stayed up late and worked too much overtime, and experienced countless hardships for a project.

Although I have just turned 30, my classmates think that physical health is much worse than reading, and the whole person lacks vitality and fun. Besides, they all said they were standing at 30. Although their work income is good, they are always nervous because of their tight work and little leisure time. I've been in Shenzhen for so many years, but I haven't solved my lifelong problems.

On the National Day of 2020, our college class held a party for the ninth anniversary of graduation at our alma mater. After attending the party, the students found that nearly half of the students in the class chose to stay in Chengdu, and most of them were married and had children, living a warm family life with their wives and children on the kang.

This aroused the students' strong desire to return to their homes and Chengdu. Anyway, I spent my best youth campus time in Chengdu, and I am also a Sichuanese. No matter how prosperous Shenzhen is, I have never felt a sense of belonging. No matter how long colleagues work together, they can't become particularly close friends and can't walk into each other's real hearts.

The classmate thought for a long time, asked his parents' wishes and supported him to come back. Finally, the students thought, instead of working so hard in Shenzhen all day and worrying about the coming 35-year crisis, it is better to sell the house in Shenzhen and take advantage of the high housing prices in Shenzhen to return to Chengdu to live a more quality life.

In the more than six years after buying a house, the annual mortgage of 200,000 yuan, the actual principal is only about 800,000 yuan, and the mortgage balance is 2 million yuan. However, he has been working for more than 9 years, and the balance of his classmates' provident fund account is close to 800,000. And because of the high total income of his classmates in the last two or three years, he basically didn't spend much money. In addition to the mortgage, he actually saved 6.5438+0.4 million in the past six years.

Let's do it, use the provident fund and the deposit in hand to pay off the remaining mortgage, and the classmates still have 200,000 left. After the mortgage was settled, the students quickly put the house up for sale. At this time, the average price of houses in their community has exceeded 6.5438+0.4 million, and the price bought at that time has more than tripled in more than six years.

Finally, the classmate 100 square meter house was sold at a unit price slightly higher than140 thousand. Excluding all kinds of expenses, this classmate got140,000 real money. After receiving the house payment, the students quickly packed their goods and checked their luggage, then left Shenzhen and firmly boarded the flight back to Chengdu.

/kloc-graduated in 0/0, relying entirely on himself, bought the Chengdu school district house in full, bought the BMW 5 Series sedan in full, and still had100000 real money in his key. Moreover, by this year, my classmate is only 32 years old.

I made fun of my classmates with envy. When you come back, you are a real bachelor. Are you going to retire early and enjoy your old age happily by eating bank interest?

The classmate paused, then smiled and said, how can it be? Certainly not!

This classmate said that100000 seems a lot, but there is really a bank. Actually, I'm not interested in 1, which is less than half of my previous income in Shenzhen.

This classmate said, I have analyzed and compared the deposit interest rates of various banks, and the difference is basically not very big. Large time deposit certificate, one year, annualized interest rate is about 2.1%; In the biennium, the annualized interest rate is about 3%; For three years, the annualized interest rate is about 4%.

In this way, even if it is deposited for three years, the interest of one year 1000000 yuan will be 400000 yuan at most.

The classmate went on to say, what I am considering is to take out 5 million yuan and deposit it for three years, and choose five large state-owned banks, and each bank will deposit 6.5438+0 million yuan. Then, buy another 3 million bank conventional wealth management products for a period of six months to one year, and the expected annualized income is around 4%.

In this way, the stable income of 8 million a year is about 320 thousand, so let's calculate it as 300 thousand for the time being.

Then there are 2 million left, and I plan to open a grocery store, select 20 hybrid funds or index funds with good historical performance, and invest 654.38+10,000 in one, which will be diversified and held for a long time. My personal expectation is that in the long run, the average annualized income of this 2 million investment can reach about 10%.

Of course, investment is risky. In case the average annualized income is only 5% in the end, and there is even a certain loss, I think I can accept it calmly, because after all, it is only a part of my spare money, and as you know, I am a Buddhist myself, and I don't particularly spend money.

I feel that my classmates are still very rational, and this asset allocation method is also quite good. The first one is very safe and stable, because 80% of the funds are regular and low-risk routine financial management of banks.

However, another 2 million fund product portfolio has been allocated. Because it is scattered and intends to hold it for a long time, the risk is actually very low, and the expected return should not be too bad. In the long run, it should be a high probability that the yield will outperform the bank's regular interest rate.

In case the market is good, it is not impossible to earn 3.5 million a year from 2 million.

I hid my envy and asked my classmates a small question. I said that if you put this 6.5438+million in the bank, a fund with a stable income of at least 300,000 yuan a year may also earn a lot of money. Do you think it is necessary to work?

It was the classmate's turn to be dumbfounded, and then he said, you are really worried. You are in your thirties, still in Chengdu, a new first-tier city in China, and you don't plan to earn 300,000 yuan a year? At least we graduated from the university in 985, and it has been 10 years since graduation. Can a family survive for decades on 300,000 bank interest?

The classmate paused, and then said, the key is that 300 thousand looks a lot, but it is not plentiful when it is really spent. Let's just say that it's okay for me to be full and the whole family is not hungry, but once I get married and have children, it will definitely not work.

The classmate said, I'll do it myself. The house property management fee is more than 6,000 yuan a year, the parking fee is more than 3,000 yuan, and the water and electricity fee is more than 2,000 yuan, 1.2 million.

Then, the auto insurance is 65,438+0,000 yuan a year, and the fuel cost and maintenance will be1-20,000 yuan. Daily life costs tens of thousands, so it costs at least 1000 yuan a year.

However, I have reached this age. If I meet the right person, I may get married and have children soon. Getting married may cost at least hundreds of thousands or even 1 10,000. Of course, this is not to mention, after all, there is only one life.

The key is that after giving birth, all the expenses come, such as raising a baby and hiring a nanny. Children have to go to kindergarten, primary school for 6 years, middle school for 6 years, university for 4 years, and graduate school for 3 years. In the future, children will have to worry about getting married.

Not only that, but now everyone advocates that young people should have three children. I think, even if it is not easy to have three children, I will still try to have two babies, no matter what. I must respond positively to national policies, and I like children myself.

By the way, my classmate went on to say that this is not enough. 10 years or so, I want to support the elderly. In our time, most people are only children. My wife and I are going to raise four old people together.

Then my classmates asked me, you tell me, even if we don't consider future inflation, can the interest of 300 thousand a year be counted?

To tell the truth, I was really stumped by my classmates.

It seems that even if there is such a large sum of money as 6.5438+million in the bank, it is really unrealistic to lie flat and not work every day just by eating bank interest.

Unless you are a young man in his twenties, the whole family will not be hungry if you eat alone. Or, an elderly friend who retires over 60 years old, relying on the interest of 300,000 yuan a year, of course, no matter which city he is in, he can live a particularly moist life.

But if you are in the north, Guangzhou and Shenzhen, or Chengdu and Hangzhou, including new first-and second-tier cities such as Su xifu, Foshan, Chongqing, Xi 'an and Changsha, even if you already have a house and a car, it is not enough to maintain the quality life of a family of three, four or even five.

At least, both husband and wife need at least one person and a well-paid job, so that life at home can be more practical.

If you had100000 yuan, would you choose not to go to work? Do you think you can make a living by paying interest in the bank?

It is my dream day to deposit100000 in the bank and live on interest.

Although100000 is a very large number, you can only buy a house in first-tier cities such as Beijing, Guangzhou and Shenzhen. If you don't work, I'm afraid you can't afford the family expenses.

How much interest can such a large sum of money generate for us every year? I'll give you a simple analysis and calculation.

At present, the benchmark interest rate of the central bank is 0-year 1.5%, 2-year1%and 3-year 2.75%. In fact, this interest rate is difficult to attract depositors, so major banks will give higher interest rates in order to attract depositors.

Large state-owned commercial banks such as the five major banks have a one-year listing interest rate of about 1.75%, a two-year listing interest rate of 2.25% and a three-year listing interest rate of 2.75. Backed by the country, the five major banks have strong strength and commercial outlets all over the country, which can be said to be zero-risk deposits. According to the risk-return principle, the interest rate given is also the lowest.

In order to compete with the five major banks, robbing depositors is the key. Therefore, national joint-stock commercial banks and regional city commercial banks will offer higher interest rates to attract depositors.

China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and other national joint-stock commercial banks offer higher interest rates than the five major banks and lower than the city commercial banks. Take Ping An Bank as an example, the one-year listing rate is 2.0%, the two-year listing rate is 2.5%, and the three-year listing rate is 2.8%.

The interest rate offered by city commercial banks is the highest, like Shengjing Bank, which is 2.52% for one year and 4.79% for five years.

In addition, the interest rates in different regions of the same bank are different. And the larger the deposit amount, the higher the interest rate. If you deposit100000 in some small cities, the five major banks can even give you an annual interest rate close to 3%.

100000 yuan is deposited in the bank with an annual interest rate of 3% 300000 yuan. The average monthly income is 25,000, which has exceeded the family income by more than 95%. According to the current price, as long as you don't spend a lot of money, you can live well in cities outside Beijing, Guangzhou and Shenzhen.

Investing in treasury bonds is also a good choice, backed by state finance, with lower risk than bank deposits and higher interest rate than time deposits of the five major banks.

The latest issue of national debt shows that the coupon rate given by three-year electronic savings bonds is as high as 3.4%, and that of five-year coupon rate is 3.57%.

In other words,100,000 yuan can buy 3-year treasury bonds, earning 340,000 yuan of interest every year; Buying five-year treasury bonds can earn 357 thousand interest income every year. So much money should be enough for the family's daily expenses!

This product is the gospel of the rich, and the interest rate given far exceeds the time bank deposit, which is generally 200,000 minimum deposit. The more the deposit amount, the longer the time, and the higher the interest rate.

Never trust the interest rate of large deposit certificates listed by banks. Be sure to go to the outlet and talk to the salesman, which will often give higher interest.

Some time ago, I inquired in a bank not far from home. When chatting with the bank staff, I was told that certificates of deposit 1 10,000 yuan and 1 year can be given more than 4%. It makes my heart beat. What a pity! A little worse than Qian Qian.

100000 certificates of deposit with an annual interest rate of 4.5% should be ok. In other words, it is easy to earn more than 450,000 interest income every year.

One Audi a6 a year, three years is a house. I spend 200,000 yuan at home every year, and I can still save 250,000 yuan, which easily exceeds 99% of migrant workers, and I am envious! Rich people earn more interest every year through hard work than migrant workers. Despair?

It can be said that as long as you don't leave home and don't mess around, 654.38+million yuan is in the bank and you don't have to work any more. Plus the interest generated every year, it can completely guarantee a lifetime of food and clothing.

The point is, you have to have 6.5438+million! [Cover your face]

It is feasible if the country does not reduce the deposit interest rate, but the general trend at present is that the deposit interest rate is decreasing, but inflation is rising. Under the action of the two, this 654.38+million will be spent one day, and the time is uncertain, which may be 30 years or 654.38+05 years.