1 50 million in the bank, what is the annual interest? 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.
2. What is the annual income of 6.5438+0.994 million? 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.
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 of eating only 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!
Everyone and every family have different consumption concepts and consumption levels. As an ordinary family, it is absolutely enough for a 50 million deposit bank to spend only interest income. Since you live on interest income, you can't deposit it as an ordinary time deposit. In this way, your liquidity will die and you can't withdraw it in advance for consumption. Only demand deposits, call deposits, short-term wealth management products and smart deposits can be selected as the only financial management methods with strong liquidity.
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.
50 million in the bank, is the interest for one year enough? You asked such a big question.
50 million is not a decimal, but it is an astronomical figure for ordinary people. With such a large deposit in the bank, even the interest generated by the current account is very large.
At present, the current interest rate of many banks is around 0.35%, so the annual current interest of 50 million yuan can reach 17.5 thousand, and the average monthly interest 14500, which can exceed the income level of most people in China.
Besides current account, you can also choose time deposit. If you can deposit 50 million yuan in the bank for a fixed period of three or five years, I believe many banks can give interest rates above 4.5%, and many small banks can even give interest rates of 5%.
This means that the interest of 50 million deposits can reach about 2.5 million a year.
What is the concept of 2.5 million? At present, there are about 8 million people who deposit more than 500,000 yuan in China, less than 5 million people who deposit more than 654.38+0 million yuan in banks, and I estimate that there will be no more than 3 million people who deposit more than 2 million yuan.
That is to say, among the population of 65.438+0.4 billion, only about 0.2% actually have more than 2 million deposits, which is equivalent to an average of two people with more than 2 million deposits per 654.38+0.000 people. That is to say, 50 million yuan can exceed the deposits of 99.8% of the people in the country for only one year.
2.5 million a year is definitely enough for ordinary people, even if you spend a lot of money.
For example, Liu once said in an interview with the media that their family's annual expenditure does not exceed 65,438+00,000.
For the super-rich like Liu, their consumption is only so much. It can be seen that it is absolutely no problem for ordinary people or rich people to meet the basic consumption of families with an annual interest of 2.5 million.
And not only in China, but also in some developed countries in Europe and America, 2.5 million is definitely not a small sum, which can definitely exceed the consumption level of most people.
For example, in some small countries with the highest per capita GDP in the world, the per capita GDP is only about $80,000, which is about 500,000 when converted into RMB, which is equivalent to your annual interest of 2.5 million, which is about five times that of countries with the highest per capita GDP in the world.
It can be seen that if you have an interest of 2.5 million yuan a year, no matter you go to any country in the world, there is absolutely no problem and you can live a very moist life.
Of course, whether the interest of 2.5 million yuan is enough depends on the specific situation. For a few people, 2.5 million yuan is nothing. Sometimes, they may spend more than 2.5 million yuan on clothes a year. For example, at present, many female stars may spend 500,000 yuan a month on clothes, and all the expenses in a year may add up to tens of millions. For these people, the interest of 2.5 million is simply not 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 = 16.
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.
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.
Interest income 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.
In terms of expenditure, taking Chengdu as an example, other cities can increase or decrease in proportion to their income levels.
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. Michelin restaurants or private kitchens are 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!
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.
Hello, friends!
50 million in the bank should be enough as long as it is normal consumption and a little frugal. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, it may not be enough.
150 million deposit bank interest Now 50 million deposit banks can also get 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.
Save a little, the interest of 2.7 million is 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 buy a plane, it's not enough. 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.
4. Conclusion 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.
In our country, almost everyone has savings, and it is no exaggeration to say that it is a big savings country. Compared with some developed countries in the world, we have a deep-rooted saving habit. As long as ordinary people have spare money, most of the time, the first thing they think of is to deposit in the bank, because the bank is safe and they can get extra interest income through savings.
Then, when we have 50 million spare money, how much interest can we get by depositing it in the bank? This will change according to different deposit cycles and different deposit methods.
1, current savings
If the 50 million depositors may need emergency at any time, they can usually only survive. The current interest rate is 0.3%, so the interest earned in one year is150,000 yuan, and the average monthly interest is12,500 yuan.
2. Time deposit
Generally speaking, if there is a large expenditure plan in a certain period of time, if deposits are needed at this stage, the funds will be deposited as time deposits, and the interest rate of time deposits will be different according to the selected deposit period.
If it is a three-month deposit and the interest rate is 1.35%, the average monthly interest income is 56,200 yuan. If the deposit period is six months and the interest rate is calculated at 1.55%, the average monthly interest income is about 64,600 yuan. If the deposit period is one year, the interest rate is 1.75%, and the average monthly interest is 72,900 yuan; If the deposit period is two years, the interest rate is 2.25%, and the average monthly interest income is 93,700 yuan; If the deposit period is three years and the interest rate is 2.75%, the average monthly interest income is 1 10.
3. Time deposit
The deposit interest rate is the highest among several deposits, and the initial deposit must generally be above 200,000. Obviously, 50 million yuan has far exceeded this funding threshold. It also has several deposit cycles.
Deposit for three months, the interest rate is 1.595%, and the average monthly interest is 66,400 yuan;
Deposit for six months, the interest rate is 1.85%, and the average monthly interest income is 77,000 yuan;
Deposit for one year, the interest rate is 2.25%, and the average monthly interest is 93,700 yuan;
Deposit for two years, the interest rate is 3. 15%, and the average monthly interest income is 13 1200.5 yuan.
The above is the approximate monthly interest amount that can be obtained by various bank deposits.
4. Which bank is more suitable? For those who pursue high security, the most suitable bank is the state-owned bank. Because state-owned banks have a national reputation as endorsers, and they are large in scale and have a wide range of business. There are also many outlets, and the operation and operating funds are safer and more convenient.
For those who want to get as much interest as possible, they can choose some small private banks or city commercial banks. Because these banks are relatively small in scale, the demand for deposits is relatively large. Therefore, they will attract more depositors to save money by raising the deposit interest rate appropriately. Therefore, both time deposits and certificates of deposit may have higher listing interest rates than ordinary state-owned banks.
At present, some small banks have five-year options for time deposits, and the interest rate reaches 4.8%. The average monthly interest calculated at this rate will be relatively high, reaching 200,000 yuan. For large deposit certificates, the interest rate can also be close to 5%, with an average monthly interest of 200,830 yuan. This amount of interest is also considerable.
Generally speaking, the final interest income will be different according to the bank, deposit method and deposit cycle chosen by depositors. As for whether it is enough, it depends on where it is used and how it is used.
50 million in the bank, is the annual interest enough? We'll talk about this later. I still remember Mr. Wang once said in a guest program that there is a very strange phenomenon in today's society, that is, the poor try their best to buy luxury goods, while the rich pretend to be poor for fear that others will know that they have money. Why is this?
In fact, the reason is not complicated, because the poor don't want others to feel that they have no money. Some people do it for vanity and face, while others want to take the opportunity to mix with the rich. For example, the Shanghai "pseudonym group" exposed in the previous paragraph is like this. Several people took some money to a five-star hotel to take a group of photos, and then posted them online or other social media platforms to attract attention.
Now let's go back to the question of interest. Obviously, people who ask such naive questions will definitely not have 50 million yuan in the bank, because the rich who can really put 50 million yuan in the bank need to consult whether the interest is enough.
To tell the truth, all the people who can save 50 million are prodigies. They know a lot about investment and wealth management products. What should and should not be invested? Which benefits are high and which benefits are low? What is a big risk and what is a small risk? All this is familiar!
I want to say that at the beginning, it was because I knew this question was meaningless, it was an extreme manifestation of the poor showing off, or I dreamed about 50 million yuan before I came up with it. The reason is that even if he really has so much money, he doesn't know what to do. The only thing I can think of is to deposit it in the bank.
According to the current domestic bank deposit interest rate level, 50 million yuan can negotiate with any commercial bank to determine the interest rate, and it is not necessary to bear interest according to the market listing rate. At least 2.5 million interest a year is no problem. As for whether it is enough, it varies from person to person and cannot be evaluated!