If 100 million cash is deposited in the bank, will the interest alone be enough to live a good life in Beijing, Shanghai, Guangzhou and Shenzhen?

The annual interest of 10,000 yuan is calculated as 200 yuan, and the annual interest of 100 million yuan is 2 million yuan.

In Beijing, Shanghai, Guangzhou and Shenzhen, the annual salary of senior white-collar workers is about 200,000 yuan, which is equivalent to 10 times the income of senior white-collar workers. As you can imagine, life is still very nourishing. And there is no need to go to work from 9 to 5, and there is no need to work overtime. You are completely in charge of your own time. It can be said that in the eyes of senior white-collar workers, it is a life that only gods can live!

In Beijing, Shanghai, Guangzhou and Shenzhen, it is quite good for senior professional managers and social elites to earn more than 1 million. A friend of mine is a project manager of a venture capital company in Shanghai. He has a master's degree in finance from a prestigious university. He has been in the industry for 15 years and his annual salary is more than 900,000, which is said to be relatively high in the industry. Therefore, enjoying 2 million yuan in interest is also very admirable in the eyes of senior managers.

However, taking Shanghai as an example, there are many houses with prices exceeding 100,000 yuan per square meter. In other words, it would take this gentleman 10 years to buy a 200-square-meter house without eating or drinking. If this gentleman buys a house in Shanghai, his quality of life may not be as good as that of ordinary working-class people in small counties.

Ordinary life is enough! If it is a good life, it may not be enough. 1. Ordinary life is enough.

If you deposit 100 million in the bank, you can basically negotiate the interest rate with the bank. It is easy to get an annual interest rate of 4% in a year, and you can also pay interest on a monthly basis. Under such circumstances, a RMB 100 million deposit in the bank will generate interest income of RMB 4 million per year, or RMB 333,300 per month.

This kind of interest income is enough to live a pretty good life. You can often go out for big meals, buy a car worth hundreds of thousands, and buy some better things. You can also travel frequently, which is enough to live a pretty good life.

But if you want to live a better life, such as luxury cars, special planes, etc., then it may not be enough. 2. A good life may not be enough

If you want to live a good life, then 4 million in interest a year may not be enough. A good life in many people's minds may include the following things.

Buying a luxury car may cost two to three million, or even more. Just buy some brand-name bags, and a brand-name bag may cost hundreds of thousands. I often collect some famous watches. Basically, a famous watch costs hundreds of thousands. I also want to collect some famous calligraphy and paintings, antiques and antiques, each of which may cost hundreds of thousands or even more. In addition, a suit of clothes may cost tens of thousands of yuan, which may not be enough. Not to mention that some people also want to buy a special plane to fly on, or go on a yacht, buy a manor, buy an island, etc.

Therefore, if you want to live a good life like the above, it may not be enough to deposit 100 million in the bank. You may need billions or tens of billions in the bank. 3. Conclusion

To sum up, you can live a pretty good life with a 100 million deposit in the bank. However, if you want to live a good life as described above, then a 100 million deposit may not be enough. Yes, it may require billions or tens of billions of deposits.

With 100 million yuan in cash in the bank, you can definitely live a life that everyone will envy.

If you deposit 100 million yuan in a bank, if it is a small or medium-sized bank, the interest rate can reach more than 5% to 6%. But if the bank fails, the maximum compensation is 500,000.

If you deposit this money in a large commercial bank such as China Agricultural and Industrial Bank, the possibility of bankruptcy is much lower, but the upper limit of interest rate is generally around 4.26%. This interest rate is indeed not very high, but the bank can also give you certain rebates in other aspects by returning part of the office expenses or providing high-quality services. For example, we can identify a job with an annual salary of 1 million for you. You don't have to go to work, and we will even arrange a dedicated car service. If you rent a house, you can also be provided with a free apartment, etc.

However, you can also buy financial products from banks, and the rate of return can reach 7% to 8%. However, financial management products and deposits are not the same thing, and financial management products may result in losses.

If we buy treasury bonds, the interest rate of 5-year savings treasury bonds is only 4.27%. If the interest is paid annually, we can get 4.27 million in interest every year.

With an annual interest income of more than 4 million yuan, coupled with a stable job, it is enough for everyone to envy.

For young people working hard in first-tier cities, an annual salary of over 10,000 yuan is considered good. Even the annual salary of senior white-collar workers is only RMB 4 to 50,000, and they have to work very hard. Many people earn 996, and they even work 7 days a week.

However, few real billionaires just deposit their money in banks.

When you deposit money in the bank, it is actually the pressure of inflation that is difficult to avoid. Especially when we take away the interest and spend it every year, leaving only the principal. The income of 4 million per year now is different from the income of 4 million per year in a few decades.

The fact that the bank has interest now does not mean that the bank will have interest in the future. As the country continues to develop, no one can guarantee that we will not have zero or even negative interest rates in the future. Everyone knows that Japan has had negative interest rates for many years. When we deposit money in the bank, we get no interest rate, and we even have to pay handling fees to the bank. In this case, who is willing to deposit 100 million yuan in the bank?

Among China’s billionaires, 15% are real estate speculators, 10% are professional investors, and the remaining 75% are business owners.

Although there are no billionaires who deposit RMB 100 million in the bank to earn interest, there are billionaires who buy commercial insurance worth more than RMB 100 million.

Li Ka-shing once said that his real wealth is the sufficient commercial insurance purchased for his family. He purchased a commercial annuity insurance of HKD 100 million for each of his grandchildren, which ensures that they will be billionaires for the rest of their lives from birth, with millions of dividends distributed every year.

Therefore, managing wealth requires a long-term perspective. It is really not recommended to save money in the bank, haha.

If 100 million is not enough, how about 1 billion for you?

100 million also asked whether you can live a good life in a first-tier city by relying on interest?

There are 100 million people thinking about how much life they have left to spend this money. What is a good life? Happiness can be bought, but happiness is hard to buy, right?

100 million, calculated based on the one-year regular benchmark interest rate, is one million per year. Moreover, the benefits that these deposits can enjoy when placed in the bank are even more incredible. How much money can you make in a year when traveling abroad? This time, I received the air ticket for free, but I couldn’t spend it even if I wanted to.

Those who earn one million a year are among the few in first-tier cities. Let’s look at the expected salary level of college students. Can they get it? Not to mention, it is basically a thousand yuan higher than the actual salary paid.

The annual income of 10 workers from Beijing, Shanghai and Guangzhou is not as good as your 100 million annual interest. These 10 people are all living very well. Are you still afraid of not living well?

What are you afraid of? 100 million can already achieve financial freedom!

Don’t go to the five major banks for 100 million funds. Find a local bank with good strength. The interest rate can be negotiated higher. If you don’t plan to use this money to invest from time to time, it is no problem to place a huge order with an annual interest rate of 6%. If you sign a targeted large-scale loan with a bank, the annual interest rate can reach 8%.

Based on the average income from regular, large-amount, loan, financial management and other methods, based on the five-year average annualized calculation of 7%, there will be a capital income of 7 million yuan a year.

It’s impossible for someone with such a huge amount of money to not have a house, right? It’s impossible to buy a property worth 18 million and repay the loan, right? So let's ignore these for now. These 7 million are completely your disposable funds. The average daily salary is 19,187 yuan. Your "daily salary" is much higher than the average monthly salary in Shanghai. It is roughly equivalent to the income of 50 people. , that starts and ends with living very well, that is quite good.

Some data show that the threshold for financial freedom calculated based on my country's income-expense ratio is 20 million. Considering the high cost of living in first-tier cities, you can multiply this number by 2, which is only 40 million.

What does financial freedom mean? You can have a high quality of life even without working. People like this who earn 7 million passively every year don't have to worry about whether their life is good or not. It's enough to travel around the world all year round.

Deposit 100 million cash in the bank,

The bank will definitely love you enough.

First, let’s look at the most unreasonable situation.

Converted according to the currently implemented benchmark interest rate for deposits,

The one-year time deposit interest rate is 1.5%, and the interest for depositing 100 million yuan for one year is 1.5 million yuan.

Moreover, this is the risk-free rate.

With this income, one can live a good life in any city.

Secondly, you can also look at how to optimize the deposit structure and obtain more interest income.

If you want to increase asset returns,

In addition to depositing money in banks, there are of course many other investment options.

For example, buying government bonds can also be done risk-free. Improve asset returns under certain circumstances.

Since the title says that depositing money in the bank earns interest, other investment options will not be considered here.

It should be noted that even with a bank, you can obtain higher interest income by optimizing the deposit structure.

One is to split the funds into several tranches and deposit them in different banks.

For example, if RMB 10 million is broken into 10 pieces, there will be 10 different banks, including the four major state-owned banks and joint-stock banks.

With 10 million in cash, you are a big customer in any bank, and you can negotiate a deposit interest rate and it will go up.

Moreover, the deadlines can also be staggered. For example, if you save 10 million almost every other month,

In this way, you will have more than 150,000 in interest income and mature deposits almost every month, forming a stable and continuous cash flow.

One is to split the funds into several tranches of funds and deposit them in the same bank for different periods.

For example, if you split 10 million and add 3 30 million, and deposit 10 million for one year,

Even if there is no agreement on a floating interest rate, you can still get a deposit interest rate of 1.5%, with annual interest 150,000;

Three 30 million yuan deposits for 3 years, with an interest rate of 2.75%, and the annual interest is 2.475 million.

Adding up the 4 deposits, the annual interest is ***2.625 million.

In this way, it will obviously be much higher.

If a person has 100 million yuan in cash, he will not deposit it in the bank.

For example, for ordinary people, saving money is not a problem, the problem is that they don’t have that much money to save. I don’t even dare to think about hundreds of millions of dollars in cash. There is no problem of depositing huge sums of money in a bank.

For example, a capitalist will look for the best way to make money with money. Depositing money in the bank to earn interest is not his best choice.

For example, if a corrupt official has 100 million in cash, he would rather hide it in a place he thinks is safer than deposit it in a bank to earn interest. He may go to jail one day.

For example, if a Vietnamese deposits 100 million Vietnamese dong in the bank and wants to live in Beijing, Shanghai and Guangzhou on the interest, it will only be better than Zimbabwe, and he cannot afford a round-trip air ticket.

It can be inferred from this that people who can live a good life in Beijing, Shanghai and Guangzhou will not be the ones who deposit hundreds of millions of yuan in cash in banks to earn interest.

Hello, Futures Xiaochu, as a so-called old man who has been engaged in the financial industry for more than ten years and a national financial planner, has many years of financial management and investment experience. Let me briefly answer this question

First of all, we Take a look at the national per capita disposable income in 2020

In 2020, the per capita disposable income of the national residents was 32,189 yuan, a nominal increase of 4.7% over the previous year. After deducting price factors, the real increase was 2.1%. Among them, the per capita disposable income of urban residents was 43,834 yuan, an increase of 3.5% (unless otherwise stated, all are year-on-year nominal growth rates). After deducting price factors, the actual increase was 1.2%; the per capita disposable income of rural residents was 17,131 yuan, an increase of 6.9% , excluding price factors, the actual growth was 3.8%.

In 2020, the median per capita disposable income of residents across the country was 27,540 yuan, an increase of 3.8%, and the median was 85.6% of the average.

Next, let’s take a look at the per capita consumption expenditure of national residents and bank deposit income.

In 2020, the per capita consumption expenditure of national residents was 21,210 yuan, a nominal decrease of 1.6% from the previous year, excluding prices. factors, the actual decrease was 4.0%. Among them, the per capita consumption expenditure of urban residents was 27,007 yuan, a decrease of 3.8%. After deducting price factors, the actual decrease was 6.0%; the per capita consumption expenditure of rural residents was 13,713 yuan, an increase of 2.9%. After deducting price factors, the actual decrease was 0.1%.

Deposit interest refers to the interest paid by banks to depositors. The amount of deposit interest varies depending on the type of deposit and the length of the term. The longer the term of the deposit, the higher the depositor's interest income; demand deposits are the most unstable, so the depositor's interest income is also the lowest.

As general deposits, large-denomination certificates of deposits have higher interest rates than time deposits of the same term. Most of them are 40% higher than the benchmark interest rate, and a few banks have a higher interest rate of 45%. Time deposits generally have a higher interest rate. About 30%.

The third return to this question is "If 100 million cash is deposited in the bank, is the interest alone enough to live a good life in Beijing, Shanghai, Guangzhou and Shenzhen?"

Through the above analysis, we press 4% on large certificate of deposit. If you simply calculate a bank deposit of 100 million, the interest for one year is about 4 million. The monthly interest is 332,300 yuan, which is only after-tax income. Since deposit interest income is tax-free, the one-year deposit interest income is 3.988 million yuan.

If it is the survival period, the commercial bank interest rate is usually only 0.3% (the benchmark is 0.35%), then 100 million * 0.3% = 300,000 yuan a year,

And our Living standards are improving and prices are rising, but there is absolutely no problem in supporting yourself for a year on the interest of a 100 million deposit.

Of course, this is just a hypothesis. If you do have 100 million yuan, I don't think many people will deposit it in the bank. After all, most people want to make a lot of money, and they will definitely choose to invest or choose high-risk, high-yield financial management methods. Unless they are an old man who doesn't want to bother, it is more practical for them to deposit their money in the bank.

If you deposit 100 million in the bank, what kind of life can you live on interest alone? Bank executives give the answer~!

Calculated with zero risk of 4%-5%, a deposit of 100 million will have a profit of 4 to 5 million (zero tax return). Living in the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen is simply the top level of the pyramid! Not only can you live a good life, you can simply do whatever you want!

If the annual interest (four to five million) is deposited in the bank, and the annual income is 250,000, then what is the real net income of 250,000 a year (every month) in Beijing, Shanghai, Guangzhou and Shenzhen? What percentage of people have 20,000 yuan after tax)? I think everyone must be aware of it!

So, wake up! Okay, no problem at all.

As long as there is enough money in the bank, you can live a wealthy life just on interest.

Even if calculated based on the lowest deposit interest rate of 2%, if 100 million yuan is deposited in the bank, the annual interest income will be as high as 2 million yuan! This income exceeds 99% of people in Beijing and Shanghai! Moreover, if a deposit of 100 million yuan is deposited in a bank, how can the interest rate be only 2%? The interest rate on large deposits is close to 4%, so the interest income can actually be 4 million yuan a year!

Many people may think that if they have 100 million in cash in the bank and need to rent a house to live, they may not live well. But in fact, there is no need to worry about this, because you can also have a good living experience by renting an apartment. After all, there are many high-end apartment projects in Beijing, as long as you are willing to spend money. What's more, renting a house is only temporary. With 100 million in cash in the bank, it only takes two or three years to save up the money to buy a house just by collecting interest. There is no need to worry about housing.

4 million a year, 8 million in two years! Two years of interest income can buy a house in Beijing and Shanghai. If such people cannot live a good life in Beijing, Shanghai, Guangzhou and Shenzhen, how many people in China can live a good life in Beijing, Shanghai, Guangzhou and Shenzhen?

But the only question is, do you have 100 million in cash? This is really a heart-wrenching question. After all, even billionaires now only have assets of over 100 million in various properties, a large part of which may be real estate and stocks. There are not many people who can actually spend 100 million in cash, it can even be said to be very few. After all, everyone knows that money is constantly depreciating, and money deposited in banks will only become less and less valuable!

And most people with 100 million in cash are not willing to put their money in the bank and sit there in vain. Instead, they want to use the money to start a business, earn greater wealth, and make greater contributions to society. contribution. Therefore, even if many people have 100 million in cash, they will not deposit it in the bank in the end.

Therefore, this question actually has no practical significance. It can only let us fantasize and have fun. Now it’s time to return to reality, go to work when it’s time to go to work, and cook when it’s time to cook.