ICBC paid a monthly interest rate of 3.988% on certificates of deposit three years ago, and the principal of 50 million deposits in three years was automatically transferred.
Annual interest 1994000 yuan (interest is tax-free), and monthly income 16 10000 yuan.
In 20 18, the national per capita disposable income was 282.28 million yuan, and the interest of 50 million yuan deposited in the bank was10.994 million yuan, which was 70.63 times of the national per capita disposable income. The highest per capita disposable income in 20 18 was in Shanghai. In 20 183, the per capita disposable income in Shanghai was 64 183 yuan, and the interest of 50 million yuan deposited in the bank was1994,000 yuan, which was 3 1 times of the per capita disposable income of Shanghai residents. In Shanghai, it is super high.
Traceable point of view: 50 million is deposited in the bank, and the interest for one year is enough for your family.
For these 50 million people, the focus of our consideration is not income first, but safety first, so it is safe to choose the four major banks and China Merchants Bank.
1. Take China Merchants Bank as an example, with a three-year fixed deposit of 2.75%. As you are a big customer, you can bargain with the bank, and the final annualized income of 3.50% is certain.
Then the annual interest = 50000000 * 3.50% = 1.75 million, and the average monthly interest 1.75 million/12 = 145833 million. This month's income is enough for you to live a comfortable life in any city in China.
2. China Merchants Bank certificate of deposit. At present, China Merchants Bank has a large deposit certificate of 300,000 yuan, with an annualized income of 4. 125%. One-year interest income = 50 million * 4.1.25% = 2,062,500 yuan, that is, 2,062,500 yuan per year, with an average of 1.7 1.875 million yuan per month, about 30,000 more than the three-year regular income.
Take Chengdu as an example, other cities can increase or decrease according to their income level.
There are three or four people in Chengdu.
Living expenses: 30,000 yuan a month and 360,000 yuan a year, which can be said to be very extravagant. Chunxi Road Taikooli can eat whatever he wants. What Michelin restaurant or private kitchen is nothing.
Don't consider housing, 50 million hot houses are definitely too many to count.
In terms of cars, suppose there are two cars at home, and the annual cost adds up to 654.38+ 10,000.
In terms of children's education: suppose both children go to an aristocratic school, such as Golden Apple Jincheng No.1 Middle School, with a drop of 300,000 a year. This figure is absolutely appropriate, not the best, and definitely above the average level.
Travel and leisure, domestic travel casually, foreign travel 4 times a year, 50 thousand each time, so it adds up to 300 thousand.
As for drinking tea, eating hot pot and playing mahjong, these are all 200 thousand. Remember that playing mahjong in Chengdu is not the whole game. It was previously reported that playing 5 yuan was gambling. Let me remind you.
Annual total expenditure: 6.5438+0.26 million, and you still have 600,000 to 700,000, so 50 million is enough interest.
Summary: Friend, are you awake? Get up quickly and go to work!
It is definitely not enough. Don't think that annual interest of 2 million is enough. Actually, it's not enough. Let's take a look at the consumption list.
If you have a net deposit of 50 million yuan and the annual interest is calculated at 2 million yuan, will you go home from work on time every day after you have money? Do you go to the vegetable market to buy food and cook at any time? Of course not. You will travel at any time, taste delicious food everywhere, buy favorite goods, attend some parties, play games with rich people and spend a lot of money to ensure your health. These are all burning money.
For the simplest example, if you travel once a month and spend 30,000 yuan, that is, 360,000 yuan a year, plus a little more games, you will soon find that the money is not enough, what's more, do you think you spend money yourself? Not worried about your family? The big head is still behind. Children's education, family insurance and medical care, and family holidays are not small amounts. In the end, you will find that the interest of 2 million will be spent in a few months.
Why do most rich people invest everywhere? Because rich people are usually bored and need to find something to do. This is the most expensive time.
Hello.
50 million funds are calculated at the bank according to the highest 3-year interest rate of deposit receipt products of 4.2%, with annual interest of 265,438+10,000.
For a rich second generation, the interest of more than 2 million is not enough to buy a sports car, go to several clubs and buy some luxury goods for his girlfriend.
If it is an ordinary family, more than 2 million can be said to be a huge sum accumulated through decades of struggle, not to mention one year, ten years is enough.
In 20 18, the median per capita disposable income of the national residents was 24,336 yuan, an increase of 8.6% over the previous year, and the median was 86.2% of the average. Among them, the median per capita disposable income of urban residents was 364 13 yuan, an increase of 7.6%, which was 92.8% of the average; The median per capita disposable income of rural residents was 13066 yuan, an increase of 9.2%, which was 89.4% of the average level.
In 20 18, the per capita consumption expenditure of the national residents was 19853 yuan, an increase of 8.4% in nominal terms over the previous year, and a real increase of 6.2% after deducting the price factor. Among them, the per capita consumption expenditure of urban residents was 26 1 12 yuan, an increase of 6.8%, and the real increase was 4.6% after deducting the price factor; Per capita consumption expenditure of rural residents 1, 2 1.24 yuan, increasing by 1.7%. After deducting the price factor, the actual increase was 8.4%.
Looking at the income and consumption expenditure of the above two national residents in 20 18 years, we can see that the income and expenditure level of ordinary residents in China is still at a low level as a whole. 2 million interest, for ordinary families, may be a lifetime deposit.
In 20 18, China people's global luxury consumption reached145.7 billion US dollars, an increase of 7%, accounting for 42% of the global luxury market. Among them, overseas luxury consumption was 654.38+0073 billion US dollars, with a growth rate of 4%; The total domestic consumption was $38.4 billion, with a growth rate of 17%. Consumption outflow is still very serious, with 74% of luxury purchases taking place outside China.
The main force to buy luxury goods is mainly the rich with 4 million customers and assets of more than 6,543,800,000.
For some wealthy minorities, relative to their high spending power, it is impossible to generalize.
First, interest on current deposits. It is a pity or a waste of principal to deposit 50 million demand deposits, but consumption is everywhere, so we can only withdraw demand deposits at will and are not controlled by banks. At present, the deposit interest rate is 0.35%, the annual interest rate is 65,438+075,000 yuan and the monthly interest rate is 65,438+04,583.33 yuan. Many office workers earn less than 10 thousand yuan a month. Although this deposit rate is the lowest, it should be no problem to solve the living expenses.
The second is to notify the deposit interest. Notice deposit is a short-term deposit product set up to make up for the low deposit interest rate. If the deposit period is uncertain but exceeds one day, it can be called deposit. Notice deposits are divided into one-day notice and seven-day notice. The notice interest rates of local banks are 0.885% (one-day notice) and 1.755% (seven-day notice) respectively. If you deposit 50 million yuan, you can get 442,500 yuan and 877,500 yuan respectively.
The third is the expected income of short-term wealth management products. The liquidity of wealth management products is greater than that of time deposits. You can buy 50 million yuan for different periods: one month, three months, six months, and one year, so that you can always have consumption funds in your hands and increase your income as much as possible. The annualized rate of return on bank financing is about 3.5%-5.5%, and the expected annual income is1750,000-2,750,000 yuan.
The fourth is the interest on smart deposits. Smart deposit is the most convenient deposit for customers' living expenses, because it pays interest on a monthly basis and can also calculate interest according to the actual deposit period, which is flexible and convenient. For example, the smart deposit of Langfang Bank has a five-year interest rate of 5.225%, interest income at maturity 13062500 yuan, and interest in January is also 2 17708.33 yuan.
The principal of 50 million is a bit large. In order to spread risks, I personally suggest that this fund be deposited in the above four ways, with smart deposits accounting for 70%, demand deposits, call deposits and wealth management products accounting for 65,438+00% respectively. After all, smart deposits combine income and security, and the other three financial management methods are biased.
Hello, friends!
50 million in the bank, as long as it is normal consumption, a little frugal, should be enough. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, it may not be enough.
Now 50 million deposit banks can also earn a lot of interest income. At present, the interest rate of big banks is slightly lower, but if you deposit a large amount of three-year deposits, you can also achieve an annual interest rate of 4. 125% and pay interest on a monthly basis.
If it is a five-year deposit product of small and medium-sized banks, the annual interest rate can reach 5.4%, and the interest can be paid monthly.
If it is a five-year deposit product of a private bank, the annual interest rate can reach 5.7%.
If you deposit 50 million five-year deposit products with an annual interest rate of 5.4%, the interest you can get every year is 2.7 million, with an average of 225,000 per month.
The interest of 2.7 million a year can be said to be enough for daily expenses.
If you save a little, the interest income of 2.7 million yuan per year and the average monthly interest of 225,000 yuan can be said to be enough for you to live a fairly good life.
This year's income of 2.7 million is enough for you to travel abroad several times a year, or you can travel at home several times at will. Then you can also buy a 400 thousand or 500 thousand car to drive.
At this income level, as long as you save a little money and don't buy luxury goods, you can say that life is quite cool.
If you want to live on a special plane or yacht, you may not have enough money. It may cost more than 300 million RMB to buy a special plane, several hundred million RMB to buy a yacht and tens of millions RMB to buy a super luxury car.
So, if you want to buy a plane and a yacht, this life is really attractive, but you still can't afford it.
So, if you want these planes and yachts, the interest income is definitely not enough.
To sum up, 50 million yuan is deposited in the bank only by interest. A little frugality should be enough. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, it may not be enough.
1. At present, the annual interest rate of certificates of deposit of commercial banks is around 4%-5%. Even if the annual interest rate is 4%, the annual income of 50 million deposit banks is 5000x4%=200 (ten thousand), and the average monthly income of 2 million deposits is 200 ÷ 12 = 65442.
2. In other words, there is a monthly living allowance of 166667 yuan. This standard of living is still 666 for the vast majority of small partners, not to mention not enough expenses. Most of them spend a lot of money every month.
3. For most small partners, 166667 yuan is more than enough, except for basic expenses such as food, clothing, housing and transportation, elders' support, children's education and travel, even if the mortgage for normal housing and the car loan for normal cars are added.
4. But for a few partners who pursue luxury life, 166667 million can't afford unlimited luxury bags, and it will take two or three months to buy them. Don't push too hard.
Therefore, the 50 million interest deposited in the bank is enough for one year's living expenses, and interest is the second. What kind of life is the most important, which is the key.
6. In fact, frugality is a traditional virtue. Now that living conditions and standards are getting better and better, there is not much need to blindly pursue an overly luxurious and ungrounded life.
In reality, there are 50 million yuan to be deposited in the bank, so we can negotiate with the bank about floating deposit interest rate, flexible withdrawal method, membership card of cooperative organization, certain credit overdraft limit and many benefits. How much you can get depends on the results of negotiations with banks, so it is not universal. So we don't discuss it as a standard, but take the ordinary deposit interest rate as the standard.
One more question. Whether the money is enough does not depend on the consumption standard. You should take the standards of the rich, such as daily delicacies, driving a luxury car and spending hundreds of thousands a night, which is absolutely not enough, or take the living standards of ordinary people as the standard.
At present, the deposit interest rate of the four major banks 1 year is 1.75%, and the interest of 1 year is 50 million yuan and 875,000 yuan. The standard for ordinary people is 1 year, and 875,000 is absolutely enough to guarantee life.
Looking at certificates of deposit, the interest rate of CCB's 2 million yuan three-year certificates of deposit can reach 4%, which has increased a lot. Then it is not hard to believe that 50 million yuan will raise the deposit interest rate to 5%. 1 year earned interest of 2.5 million yuan. Although the numbers are not nice, they are cool.
Therefore, 50 million yuan in the bank, 1 year earned interest, according to the living standards of ordinary people, can definitely guarantee a normal life.
The question of the uninvited subject is: if you deposit 50 million in the bank, will the annual interest be enough?
At present, the three-year interest rate of large deposit certificates of the four major banks with capital preservation is around 4%, so the author will calculate it by 4%.
Then the author first calculates how much interest there is.
Annual interest rate: 5000000 * 4% = 2000000 yuan.
Yes, you are right. The annual interest is 2 million.
According to the data of "Residents' Income and Consumption Expenditure in 20 18" released by the National Bureau of Statistics, in 20 18, the per capita disposable income of the national residents was 28,228 yuan.
2000000/28228=70.85
The annual interest income is 70.85 times of the annual per capita disposable income in 20 18.
As for whether this interest is enough to spend, it depends on how the subject spends it.
If you are an ordinary person, that's enough, and you can live a good life.
Like those rich second generation, it's just a one-night splurge.
Does the subject think it's enough?
Compared with the current consumption level, 50 million yuan deposited in the bank can make ordinary families live a very rich life. The shelf life does not need to be too long. If you deposit a certificate of deposit for one year at an interest rate that is 50% higher than the benchmark interest rate, you can get 50 million *1.5% *150% =1125,000 a month, and the consumption limit is nearly10000.
Of course, if it is a fixed term of one year, it is a process of depreciation. After all, there is inflation, whether it is relative to real inflation or CPI. Therefore, in order to obtain higher deposit interest, large funds must be kept in the bank for at least three years to obtain a yield of more than 4%.
4% yield is relatively good, which can outperform CPI and basically outperform the average inflation in the past 30 years (with the slowdown of economic growth, inflation will also slow down in the future, please refer to developed countries). But just don't let the principal suffer losses, but life costs money, so money deposited in the bank can't solve the life that only eats interest. Of course, for ordinary people, 50 million yuan can live for a lifetime even if it doesn't generate interest, mainly depending on what you think, such as whether to leave some assets for the next generation.
50 million will be deposited in the bank, either big money or small money; Either you are poor enough and suddenly make a windfall, such as winning a prize, demolition or patent transfer. Without an ordinary person, it is impossible for him to deposit 50 million in the bank, and it is almost impossible for those who will deposit 50 million in the bank to earn 50 million. So it's ridiculous to deposit 50 million in the bank and charge interest. Just be happy, don't be too serious!