1 million in the bank, just interest, no need to go to work?

If you have such an idea, you really don't deserve this 1 10,000. In other words, the 6,543.8+0,000 you have now, plus the interest of the bank, will be made up by you in the near future. Why do you say that?

1, let's see 1 10,000 deposited in the bank, how much interest can be generated in one year? Judging from the current benchmark interest rate of RMB deposits in Guidong, the central bank, deposit interest rate is 0.35%, which is the lowest. For time deposits, the three-month interest rate is1.10%; Semi-annual interest1.30%; The annual interest rate is1.50%; The annual interest rate is 2.10%; The annual interest rate is 2.75%; The five-year interest rate is not stipulated, but it is at least around 5%.

Judging from the above interest rate, even if there is a deposit of 6,543.8+0,000 yuan, the annual interest paid regularly in the bank is at most 6,543.8+0.5 million yuan. However, 654.38+million is a large deposit, and the interest rate of large deposits has risen in different levels of banks.

State-owned industrial and commercial, agricultural, construction and medium-sized banks 1 year fixed deposit interest rate can reach1.75%; Medium-sized banks such as China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank have a 1 year fixed deposit rate of 2%; The highest interest rates are rural credit cooperatives, postal savings banks and city commercial banks, and the annual fixed interest rate of/kloc-0 can reach 2.2%.

Then deposit 6,543.8+0,000 yuan into the city commercial bank for 654.38+0 years, and get interest of 22,000 yuan. These interest rates are averaged at 12 months, which is 1833 yuan per month. Can the income of less than 2000 yuan per month meet the expenses of a family of three in the city, such as food, clothing, housing, entertainment, illness, medicine and study?

Not to mention a family of three, it may barely meet these needs of the city 1 person.

2. Having a deposit of 6,543.8+million must be the pursuit that 6,543.8+million people can have 6,543.8+million people in a lifetime, which is nothing more than several situations: First, starting from scratch, earning 6,543.8+million yuan in a lifetime; Second, 1 10,000 yuan is earned by some opportunity to get rich; Third, there is a mine at home, and it has inherited a legacy of 6.5438+0 million.

Then this person's life can be temporarily divided into 654.38+0 million, that is, the life before 654.38+0 million and the life after 654.38+0 million. Can these two lives be the same? Obviously you can't.

People say that money can change a person. Before I had money, I might have lived a relatively simple life, commuting by bus and subway, having a strict price red line for every meal, strictly controlling going out for parties every month, and trying to restrain myself from buying clothes and traveling. All this is because I am not rich.

However, after 1 10,000 yuan, some people's lives may not change much, but psychologically, they subconsciously think that they have a deposit of 1 10,000 yuan, which will invisibly increase their curiosity about "what kind of life people with 1 10,000 yuan should lead" and gradually turn this curiosity into reality.

"If you have one million dollars in the bank, you will pay interest and you don't have to go to work?" People who can have this idea must not want to entangle themselves any more. Inner laziness is often reflected in people's behavior. For example, I used to squeeze the bus and subway, but now I have money, so I buy a car; In the past, singing k every month was strictly restricted, but now with money, entertainment life can be more frequent; I used to just buy things together, but now I have the money and time to use all kinds of shopping software. ...

Therefore, when a person has 6.5438+0 million yuan, the desire that has been suppressed and restrained by himself, like the devil who escaped from the cage, ruthlessly destroys this person's mind. The mentality that has been suppressed for a long time will suddenly swell up, and individuals will also have retaliatory consumption.

And this is the potential dangerous consequence when a person has 1 10,000 and his mentality changes.

3. Have the illusion of1000000, and the consequences are extremely dangerous. It seems like a lot, but in fact, even a set of 100 square meter houses in Xi 'an, Zhengzhou, Wuhan, Chengdu and other central and western cities is not enough. How dare you put10 million in the bank and only pay interest?

We often say: from thrift to luxury, from luxury to thrift. When a person lived a normal life in the past, he easily adapted to the life after he became rich. When a person once lived a rich life, it was difficult for him to adapt to a normal life.

If you give the deposit of 1 10,000 yuan to a person who once lived a normal life, he will have the illusion of getting rich. If you deposit interest in the bank and stop working, you will have a feeling of sitting quietly.

After the above analysis, the interest generated by 1 10,000 1 year time deposit bank is actually insufficient to meet the living expenses of a city family 1 year. This is the calculated reality, but another reality is that this person has a deposit of 654.38+00,000, which is a real rich man.

Do you think it's a joke that the rich with 1 10,000 deposits can't support their families in the city? It's really a joke, because this person "just eats interest and doesn't want to go to work." And when the source of 654.38+0 million is relatively easy, it will inevitably be defeated in a more relaxed way.

Therefore, don't think that if you have 6.5438+0 million yuan, you can put it in the bank to eat interest and don't have to go to work. This is an extremely wrong idea. So how do you use 1 10,000 to make your life better?

4. The correct use posture of110,000 deposit has been discussed above. "1 10,000, you can put interest in the bank and don't have to go to work." It is not feasible, so how to scientifically change 1 10,000 into 2 million or even 5 million? It is obviously impossible to deposit money in the bank.

At present, the investment categories that can be seen in the market, such as stocks and digital currency, are all high-risk financial management projects, so it is best not to touch them. If not handled properly, you may lose your underwear. Therefore, I think there are the following safe investment methods:

(1) fund

Compared with stocks, funds are still relatively stable, but this kind of investment also depends on the timing and industry. For example, stocks such as masks, ventilators and vaccines in early 2020 are all varieties that can be laid out. If the operation is good, it will be done with hundreds of thousands of 6.5438+0 million in a short time.

(2) Real estate

If the fund risk is unbearable, then I think it is also a good choice to take out 600,000-700,000 of the 654.38+0,000, and pay down two sets of houses with good lots in Xi 'an, a city where house prices have been rising for several years.

After waiting for five years, the interest income from selling it is higher than that from depositing it in the bank.

(3) Cognitive investment

If you think that both funds and real estate are risky, then take out a small sum of money, buy some courses, learn some knowledge and improve your cognition. Because at any time, learning knowledge can't be wrong.

If you learn some basic knowledge about wealth and value and improve your cognition, you won't have the idea of "leaving 65.438 million in the bank to collect interest and not going to work". Because any material form of poverty can survive, but personal cognition must not be in a state of poverty.

The above is my opinion, I hope you can criticize and correct me!

1000000 yuan can be put in the bank to eat interest, can I not go to work? I can tell you for sure, no, not anywhere.

Now some areas don't have to go to work. From now on, 6,543,800 yuan will be put in the bank. According to the yield of 4%, there is an interest of 40,000 yuan a year and an interest income of 3,333 yuan a month. And this income is tax-free, equivalent to after-tax income of 3333 yuan. This actually belongs to the lower-middle level in the whole country. According to the national average consumption expenditure of 20 thousand yuan last year, there is no need to go to work in many parts of the country now.

Can you rely on interest and not have to go to work in the future? However, we have overlooked a problem: the currency will depreciate and the bank's interest rate will fall. 1999 The bank deposit interest rate was as high as 9%, and now the bank interest rate is only 4%. Moreover, due to the special situation of this year's epidemic, the central bank has provided sufficient liquidity to banks, so the interest rates of banks are also falling. In the long run, the deposit interest rate of banks will also drop, and the interest income will also drop.

There is another important question. The currency is depreciating. China's M2 currency balance has risen from several trillion to several trillion now, and the currency depreciates by 6%~8% every year, which means that the purchasing power of 3,333 yuan per month is only a few hundred dollars after 10 years. Can a few hundred dollars survive? It is out of the question.

To sum up, there are 6,543,800+banks, and some areas can survive on interest. However, with the devaluation of the currency and the decline in bank interest rates, it is impossible not to do interest work in the future, but it is ok if you say that you don't have to do interest work in the last year or two.

1, income analysis

1 10,000. If it is deposited in a bank, the annual interest rate of 1 year is 2.25% and the annual interest income is 22,500 yuan.

1 10,000, if you buy government bonds in the bank, the annual interest rate of/kloc-0 is 2.65%, and the annual interest income is 26,500 yuan.

1 10,000, if you buy non-financial products in the bank (no loss is expected), the annual interest rate of/kloc-0 is about 4.5%, and the annual interest income is 45,000 yuan.

654.38+00,000 yuan. If you open an account in a securities company and invest in a debt fund, the estimated annual income is 60,000 yuan.

2, personal basic situation analysis

Depending on whether you live in the city or the countryside, interest income will support a family of three or yourself.

If you support yourself and have your own house, you don't have to pay the mortgage, rent or pension insurance, and you are willing to live a minimalist life, I think you can support yourself without going to work.

In addition, I have some humble opinions for your reference. If your present job is hard and you can't adapt, I suggest taking a break or finding a job with a lower income. After all, the annual inflation is high, 654.38+0 million. If you invest well, interest income can only barely resist inflation.

The above contents, I hope to help you.