If I deposit 180,000 yuan in Yu'e Bao and then don't work, will I be able to live on the monthly interest?

The current 7-day annualized interest rate of Yu’ebao is around 2.32, which is gradually declining

Everyone should remember that when Yu’ebao was first launched, around 2013, it was about 10,000 yuan. The daily income is around 1.5, but the current daily income of 10,000 is only 0.63 yuan, and it is certain that this income is gradually decreasing. Assuming that this income is constant, how much does it cost to meet our current living needs? Just based on the expenses of an office worker in a second-tier city, the standard of 50 yuan for meals a day plus other expenses for a month is a minimum of 2,000 yuan. So if you want to achieve an interest income of 2,000 yuan a month, you must at least deposit about 1.05 million in Yu'E Bao. If you follow the question's goal and save 180,000 yuan, you will only earn 340 yuan a month, which may be used to pay electricity bills and mobile phone bills. Of course, if you earn more than 300 yuan a month, you may be able to make do with life in a poor rural area, but it is definitely not possible to live in a city.

Financial products such as Yu’e Bao can only be used to make spare money, but it is definitely unrealistic to rely on this to make a fortune

First, for most people, most people rely on wages or Yu’e Bao to make money. Getting rich is definitely not going to work. I often see many friends in the comment area complaining about how high housing prices are today, how high consumption is, and how low wages are. It can be said that everyone wants to have a high-paying job. But such high-paying jobs are scarce in our country and even around the world. For most people, today's wages are just enough to maintain normal living and consumption needs or pay off mortgages. But if you want to make a fortune based on wages, it is definitely Unrealistic.

Second, working hard to improve your skills and earning ability is what most office workers should do today. I remember mentioned in articles more than once that many people living in first- and second-tier cities not only work on weekdays, but even work part-time jobs on rest days or after get off work. A netizen once shared an example. One day after get off work, he asked Didi to go home. After getting in the car, he discovered that the driver was his manager. It can be said that no one living in the city today is living a relaxed life. It is precisely the pressure of life that makes these people work hard and promotes the rapid development of the city.

To sum up, for the elderly (over 60 years old), they may have the idea of ??saving some money in the bank or Yu'e Bao to earn interest for retirement, but for young people, if they want to obtain more wealth, they must Improve your ability to make money. Today's society is relatively fair to those who are capable. As long as they work hard, they are not afraid of not making money. There are so many courier boys and takeaway boys on the roadside who earn more than 10,000 yuan a month. The key is to see whether you are willing to do it. What do you think? Everyone is welcome to leave messages, comments, likes, and re-reviews.

I don’t know if the person who asked such a question is a young person. If so, it’s really scary. With a mere 180,000 Yu’e Bao, you don’t want to work and live on interest. If you don’t want to start a family and start a business, you’ll spend your whole life. Living a meager life, you can't starve to death with an income of more than 300 yuan a month, but the interest of more than 300 yuan is lower than the salary of a retired worker. Don't you feel ashamed?

The most taboo thing among young people is laziness. Isn’t it terrible to be stupid in the world? What is terrible is laziness. Lazy people are doomed to achieve nothing. Therefore, young people must make progress and work hard. It is recommended that you use the 180,000 yuan to study for a skills certificate, even if you study for a chef certificate, and find a good job, the return will definitely be better than the interest of more than 300 yuan a month.

If you are an older person and have a pension, it is still feasible to save 180,000 in Yu'ebao and pay the utility bill with an interest of more than 300 per month.

There are many opportunities to make money in this society. You can support yourself by working as a chauffeur or delivering food. You can find a job as a driver, do cleaning, or do housework, and you can earn thousands of yuan a month. What I fear most is that I am young but do not want to make progress. This is the saddest thing.

Yes! !

The current seven-day annualized income of Yu'e Bao is 2.4, and the income per ten thousand is 0.66 yuan. That is to say, 180,000 yuan can be earned in one day at 11.88 yuan, which is 356.4 yuan in one month, and the annual income is 4336 yuan! !

For some people, this number is indeed enough to live with.

In the mountains, the living expenses of a lonely old man is only 1,000 yuan a year;

In the mountains, the living expenses of a group of school children may be only 500 yuan;

Most children in the mountains only eat one meal a day - they get up very early in the morning and walk several kilometers or even more than ten kilometers to go to school. Due to the difficult conditions of some schools, there are no canteens or microwaves. While waiting for the heating equipment, most children don't eat lunch. They still have a lot of housework to do after returning home from school. Basically, they don't have food until very late, which is also their only meal of the day.

If you are in such a living environment, then there is no doubt that you can get by! ! !

But!

If you live in a city, can you live with 180,000 yuan in a monetary fund with an income of 2.4%? This question is a joke.

Maybe your savings of 180,000 can sustain you for two years, but when your 180,000 is used up, you will definitely go back to work.

Therefore, if you have time to ponder such naive ideas, it is better to work hard to make money.

Don’t mention it, it’s 180,000, even if it’s 1.8 million, you may not be able to live on Alipay’s interest! !

Because in the future life will become more and more expensive, and money will become more and more devalued!

It may be difficult to have enough food and clothing, but it is still possible to live a tight life!

I have had this idea before, and I have also tried to save money into Yu'e Bao , eat interest. You know, the seven-day annual return rate of Yu'E Bao is as high as 7%. At that time, many users deposited their money into Yu'E Bao. So, can we now live a life without worries about food and clothing? Or is it too tight?

The current seven-day annualized return of Yu’e Bao is about 2.4040, and the 10,000-point income is 0.6453 yuan (as of August 4, 2019)

We follow the calculation formula of Yu’e Bao’s 10,000-point income Calculate, 18x0.6453=11.6154 yuan. One month's income is 348.462 yuan. Although the monthly salary of 348 yuan is not much, if you eat less, live in a tight situation, and do not need to pay off the mortgage or car loan, you can still live comfortably with this money.

However, if you have a mortgage, a car loan, family, children, etc., then this 348 yuan may not be enough!

Take me for example. My monthly mortgage payment is about 2,500 yuan. According to this calculation, it is far from enough for my monthly expenses. Therefore, if you want to be slightly comfortable, it is really difficult to live well with only 348 yuan.

Note: Yu’e Bao’s 10,000-point return varies from fund to fund. We can view more products through the Yu'e Bao interface and switch to funds with high returns.

You can stop working when you are 18 years old, which is commendable for your courage. Not to mention other rich people, just take me as a poor guy. My monthly fixed expenses are 6,000, living expenses, and other expenses of 2,000-3,000. Occasionally Going out for a meal ranges from 1,000 to 3,000, not counting car expenses, so on average there is no monthly expenditure of 10,000 yuan, which is completely unable to support a family. If you are in charge of everything by yourself, the minimum for your own food, clothing, housing and transportation is 2,000 a month. I also dream of living on interest in the future, but I have to wake up from the dream, and then look at my savings, and still persist. You can go to work part-time.

I often see similar questions. Is it possible to save 1 million in the bank without going to work? Can I not go to work if I buy 500,000 yuan in financial management? Is saving 5 million in interest in the bank enough to live on? There is also a person who deposits 180,000 in Yu'e Bao and lives on the interest every month. To be honest, it is very scary to have such thoughts, especially for young people.

It is indeed human nature to be indolent and indolent. Sometimes this vice is even more pronounced among the poor. Everyone wants to make a small sum of money and then stop working or go to work and live on interest. Those with higher incomes are more diligent. Just take a look, how many entrepreneurs work until they are 80 or 90 years old before retiring?

Li Ka-shing was born in 1928 and retired from the property company in 2018, aged 90 in 10 years. The stock god Buffett was born in 1930. He still works in the company and regularly attends company-related meetings.

Although you cannot become a very wealthy person through labor, there is no problem in supporting your family. For people with poor economic conditions, their most abundant economic resource is labor. Without capital, land, or technology, selling labor force is the most important means of survival and development. If you have lost this instinct that God gave you, then what benefit do you have to society?

Don’t say saving 180,000 yuan in Yu’e Bao, even if you save 1 million yuan, your quality of life will not be much better, it will only be enough to maintain your survival. Moreover, with inflation, the purchasing power of interest brought to you by this 1 million yuan is getting lower and lower.

Now the annualized rate of return of Yu'e Bao is only about 2.3, which is not much higher than the bank's regular rate of return? The interest on the 1 million yuan deposit itself is only 23,000 yuan. Then the interest generated by 180,000 yuan is pitifully small, only more than 4,000 yuan, which is less than 400 yuan per month when amortized. What is the concept of 400 yuan? Now, the state’s monthly subsidy to each low-income household is this amount. Would a person with a savings of 180,000 yuan be willing to have the same living standard as a subsistence household? This is so useless!

I have 180,000 yuan, and if I spend half of it, I want to buy a relatively cheap car and run Didi. If I work harder, I can earn a net income of 4,000 to 5,000 yuan a month, which is comparable to what you can earn by saving Yu’E Bao for a year. interest. In contrast, do you think it’s too futile to put 180,000 yuan on Yu’e Bao and sleep on it?

It doesn’t have to be so complicated. You can buy a bowl for 1.8 yuan and you can survive squatting on the roadside every day.

Brother, what are you dreaming about? With 180,000 yuan in assets, you can think of quitting work and living happily ever after. People with 1.8 million or 18 million yuan don’t even dare to think that. You are really good at it. 180,000 yuan is not considered money nowadays, and assets of less than 10 million yuan are not. Rich people.

1. There is no interest on Yu’e Bao’s 180,000 Yu’e Bao:

180,000, do you know what the current yield on Yu’e Bao is? The yield is around 2.5, sometimes even less than that, and the rate of return is not as good as a time deposit. If you put 180,000 Yu'e Bao into Yu'e Bao, the current income will definitely not exceed 1 yuan per day for 10,000 yuan. I am currently buying Cathay Lishi, and the annualized income on the 7th is 2.3730, and the income per 10,000 shares is 0.6384.

Let me calculate for you how much profit you can earn from 180,000 yuan in Yu'e Bao every month. I will calculate the profit as 80 cents per 10,000 yuan. One day for 180,000 yuan is 0.8x18=14.4, so for a whole month If you can have 14.4x30=432 yuan, brother, you are sure that you can live on this more than 400 yuan per month! If you are really capable, you are awesome, I admire you. In modern society and you can survive on a few hundred yuan in the city, your ability to survive is very strong, really very strong.

2. Bank fixed deposits are better than Yu’e Bao:

Brother, have you been poisoned by the propaganda of Alipay and Yu’e Bao, so that you think only Yu’e Bao can help you? Earn interest? In fact, even if 180,000 is thrown into the bank for fixed term, the income will be much better than Yu'E Bao. At present, the three-year savings deposits of various companies basically have an income of about 3.8. WeBank and some small and medium-sized banks can have an income of more than 4, which is much better than Yu'E Bao.

In addition, if you want a savings deposit that earns interest every month, there are also corresponding products from banks. For example, Minsheng Bank has a deposit model that provides monthly interest. If you remember correctly, the income is over 50,000. 4, and then you will be billed every month. According to the income of 4, you can get 600 yuan per month, which is better than Yu'E Bao.

Finally, brother, we are all people of the new era. Can we have some fighting spirit? I only earn 180,000 and want to enjoy my "old age" life. This is not okay. I have to continue to work harder to make money. Ah, if you want to earn interest without working, you still have to earn 1.8 million. As far as the current domestic situation is concerned, making a million in 10 years is not a big problem. As long as you have a good brain and are willing to endure hardship, this little money is nothing.

Investing with the left hand, writing with the right hand, I am Jin Chengcai

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We can actually do a very simple experiment.

Let’s assume that Yu’e Bao has a profit of 10% every year. Of course this is impossible, so let’s calculate it based on the height.

A very simple arithmetic problem.

180,000, 10 a year, so that means you do nothing and have a profit of 18,000.

What is the approximate concept of 18,000?

In other words, you will probably earn an average of 2,000 yuan per month.

Let’s calculate it based on 2,000 yuan. Don't be arrogant, there are only those with more and less money.

Do you know how terrible this is?

At this time, 2,000 yuan a month is enough for you.

You think this expense is a lot, but in fact, you have to know that many people spend this much just to eat for a month.

If there are no other additional expenses and you just live to eat, there seems to be no big problem, at least you can survive.

However, this is not what we really want to pursue.

My answer is that I can live, but it is difficult and I struggle to have enough food and clothing.

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Thanks for reading, welcome to communicate and pay attention.

I often hear similar questions. I have hundreds of thousands of cash in my hand and deposit it in the bank or Yu'e Bao. Can I live a non-working life by relying on the interest? Every time I see a question like this, the questioner may not have considered how high prices are, how expensive house prices are, how fast the RMB is depreciating, etc.

Let’s calculate it step by step:

1. How much is the daily interest if 180,000 is deposited into Yu’E Bao?

At present, Yu’e Bao’s 7-day annual income is about 2.2, which means that if it is 10,000 yuan, it will have an interest of 0.61 yuan a day. If it is 180,000 yuan, it will be about 11 yuan a day, and the interest will be 330 yuan a month.

If the monthly living expenses are only 330 yuan, then the quality of life may be seriously reduced. You cannot have a mortgage, a car loan, buy new clothes, take a taxi, etc., and you can only live on porridge and steamed buns every day. .

2. How much monthly income do you need to be able to enjoy not having to work?

The prerequisite for not working is to have a fixed monthly income that can meet daily consumption expenses. Otherwise, you will need to lose 180,000 yuan of principal to survive. So what is the monthly fixed income required to maintain normal consumption levels without working?

If you do not include housing loans, car loans, provident fund, social security and other additional conditions, and only normal daily consumption expenditures, parents' pension expenditures, and basic medical expenditures, it may take about 5,000 yuan to ensure a relatively comfortable life. Life, and once you encounter financial risks and emergencies, you have to use your principal.

3. How much must be deposited into Yu’ebao to earn 5,000 per month?

According to the current Yu'E Bao yield, the annual yield on the 7th is 2.2, and the interest on a 10,000 yuan bill is 0.61 yuan, then Yu'E Bao needs to deposit 2.73 million yuan (5000/30/0.61), but The following conditions need to be met:

In short, find a job and work hard to live a better life. It is difficult to live a life without worries about food and clothing relying on "interest".