Is the 52-week savings law true?

As a bank employee, first of all, let me introduce you to the 52-week deposit method.

That is, RMB 65,438+00 was deposited in the first week, 20 yuan in the second week, 30 yuan in the third week ... 520 yuan in the 52nd week.

After 52 weeks, the total amount of money saved by * * * is:

10+20+30+……+520

13780 yuan

If the effect alone is concerned, it seems not bad. Almost 52 weeks a year, you can save 13780 yuan a year.

However, this method of saving money has obvious defects.

Like our working class, we are basically paid by the month. I have never seen a weekly salary. Therefore, it is unrealistic for people who get paid by the month to save money by the week.

In addition, this savings plan has two other shortcomings.

1. It's easy to save money in advance, but you will face a waste of money.

This 52-week deposit method has few deposits in the first few weeks.

Suppose the first month is four weeks, you need to deposit 10 yuan, 20 yuan, 30 yuan and 40 yuan. This adds up to only 100 yuan.

If you follow this deposit method, you can deposit 1000 yuan. Finally, the plan was completed, but only 100 was saved, and the rest of the salary was spent.

This will face the disadvantage of wasting money.

2. I saved a lot of money in the later period and may plan to go bankrupt.

The later, the greater the pressure to save money. Like after 30 weeks, you have to save more than 300 yuan a week.

After 40 weeks, you will save more than 400 yuan every month.

Like many people, the salary is not high, and the monthly salary is only 3000 yuan. But according to the plan, four weeks a month adds up to nearly 2000 yuan.

This is a clever woman can't cook without rice.

So this scheme seems quite innovative, but its feasibility is not very high. It is a waste to save less money in the early stage. It is easy to plan bankruptcy when you save a lot of money in the later period.

As soon as the monthly salary is paid, the first thing to do is to take out part of it and save it. The amount of this deposit can be determined according to your actual situation.

You can deposit 1000 a month and 500 a month. The most important thing is that you can persist.

What's the point of saving 1000 or 500 a month?

1. Monthly deposit 1000 yuan.

Saving 1000 yuan a month is 12000 yuan a year. /kloc-After 0/0 years, there will be a principal of 654.38+0.2 million. If deposit interest is added, it is close to 1.5 million.

1.5 million yuan is not much, but it may solve your car purchase problem or down payment problem.

If you can persist in saving for 20 years, the principal will be 240,000. Plus deposit interest, it's close to 300 thousand.

If you persist in saving for a lifetime (calculated by 35 years), the principal will be 420,000. Plus deposit interest, the absolute total amount is more than 500 thousand.

You can think about it. When you retire, you will have a deposit of 500,000 yuan, which will be enough for you to have enough food and clothing in your later years.

2. Save 500 yuan every month.

Saving 500 yuan a month looks even more inconspicuous.

You can save 6,000 yuan a year, 60,000 yuan in ten years, 1.2 million yuan in twenty years, and 2 1.0 million yuan in a lifetime (35 years).

If deposit interest is added, it will not be less than 300 thousand yuan.

You can think about it, now you only need to shop less once a month, and you can have 300 thousand bank deposits when you retire.

I guess I can wake up laughing after a sleep.

The 52-week savings law is simply not suitable for most working-class people.

For us ordinary workers, the best way to save money is to save money regularly every month. This fund can be fixed investment or current wealth management.

The most important thing about saving money is that you can stick to it and don't give up halfway.

Over time, under the action of time, the streams of wealth will converge into a broad river of wealth.

On AliPay. It's good. I can save 10 in a week. The key is that I can make up my deposit. Now I will deposit it in 300 yuan for one month, 1 yuan. I feel a lot of pressure. But I will stick to it [covering my face] [covering my face] [covering my face]

I'm still sticking to the 52-week saving plan on Alipay, and I'll make up the money I didn't save on time when I pay my salary every month.

During the epidemic, force yourself to save a little money every month for a rainy day.

If you learn to use the 52-week savings method, you will certainly make a lot of money.

Do you believe this statement? Believe it or not, we need to know what the 52-week deposit law is and why it is so mysterious.

What is the 52-week deposit method at 1? Let me first talk about the theoretical basis of the 52-week deposit law. In fact, there is no theoretical basis, just a relatively new way to save money.

Only this way of saving money is cumulative and incremental, and this way of saving money skillfully uses a cycle. What kind of cycle is this? A year.

Let me ask you a question first. Do you all know how many weeks there are in a year? If we don't know, we can take out a calculator and do a simple calculation, that is, through 365 7, and finally come to the conclusion of 52+0438+0438+042.

Omitting all the decimal points behind, we can assume that there are 52 weeks in most cases in a year, and 52 weeks corresponds to our 52-week savings method. Are you ready for the next one?

I need you to deposit some money every week. On 1 week, the amount you need to deposit is 10 yuan. Some people say that you can only deposit 10 yuan in a week. Isn't it easy to achieve?

Don't say I can deposit 10 yuan, even if I deposit 15 yuan. I am a person who does great things.

Don't worry, this is just an initial condition. Well, if you can get to 1 Zhou Cun/0 yuan, congratulations, you will face the second week soon. The second week is not 10 yuan, but 20 yuan.

For some people, the pressure is not that great. It's just rain in Mao Mao. Saving 20 yuan a week is equivalent to saving only a few dollars a day, which is not a big problem.

Then, you need to deposit it in 30 yuan in the third week and 40 yuan in the fourth week.

You need to deposit in 50 yuan in the fifth week and 60 yuan in the sixth week. How's it going? Is the law already obvious?

Then I won't say much. When the 52nd week is the last week of this year, you need to deposit it in 520 yuan, and then we will make an amazing discovery.

What kind of amazing discovery? How much money can we save a year if we add up all our savings? The answer is 13780 yuan.

Well, if we lengthen the timeline, we can save 13, 780 yuan130,000,130,000130,000 in one year. .....

Of course, the reality is that most people can save less than 1 1 year, and they can save up to 40 years. Based on our 40 years, we can save almost 500 thousand after 40 years.

This 500 thousand is our own savings income, and this money can be used to do anything we want. This is still a very spectacular and impressive thing, but there will be problems in actual operation.

Second, the real difficulty of the 52-week deposit law. 52-week deposit law. In the last few weeks, you need to deposit in 520 yuan in the 52nd week, RMB 565,438+00 in the 565,438+0 week, 500 yuan in the 50th week and 490 yuan in the 49th week.

In other words, in that month, we have to deposit at least 2000~3000 yuan, which may be a little stressful for some people.

For example, my aunt's monthly salary is only 1200 yuan, so it's almost impossible to make a 52-week deposit. It is estimated that she will be stretched in about 30 weeks, which is unlikely to happen.

So for most people, the first five weeks, the first 10 or the first 20 weeks of the 52-week savings method are very easy to achieve.

What is really difficult to do is the amount of deposits after the 30th week in the 52-week deposit law, which is very difficult and stressful, especially testing a person's net deposits and net income.

If the net deposit and net income are not up to standard, then I'm sorry, the 52-week deposit method is just a joke.

Third, the deposit method really doesn't matter. We are always talking about various ways to save money. It seems that with these methods, we can save a lot of money and become a very rich person.

But this is not the case. The reality reminds us more than once that the deposit method is essentially irrelevant.

So what is important and extremely necessary? What matters is how we save money.

No matter how much you save at first, how much you save slowly, or how much you save at first and how much you save slowly, it is just a necessary means of saving.

This method will deal with many obstacles when there is a real deposit and a deposit is needed.

So keep a sense of saving, but at the same time don't be scared by saving. When we have money, we can spend some or half or even more money without any problem.

What I am afraid of is that this part of the money has not been consumed, and the money that should be saved has not been saved. If the money is spent inexplicably, that's the big problem.

In addition, the real deposit ratio or deposit data is suggested to be between 20% and 30% of our total income in principle. If our savings amount is too high, it is very likely to reduce our quality of life.

If our deposit amount is too low, it is difficult to deal with various problems to a certain extent, so it is almost the same to take a median.

I use the Alipay pen deposit function, that is, I can deposit a sum of money every time I pay, and I decide how much to deposit.

I don't think it is practical. It doesn't seem to be much every week, but it's also a lot in a year. But who has time to save it once a week? I have to calculate how much money I want to save this week. Are you tired? Wouldn't it be better to deposit it in a fixed amount every month and wait until the salary arrives?

The 52-week stock purchase rule is more profitable. 52 weeks is a cycle of one year. The requirement of stock selection is that the period of sideways oscillation of the annual line is more than 3 years, and the current price is lower than the median of the annual line in the last 3 years, even at the bottom. Buy a fixed amount (non-fixed number of shares) every week based on 52 weeks. When the profit exceeds 30%, lighten the position and hold half the position. The next buying point is below the 0.6 18 position of your initial buying point. For such stocks, the fixed investment period is 52 weeks, and the actual buying period may exceed 80 or even 100 weeks. Stop the operation at 2.6 18 times of your purchase price, and the basic annualized rate of return exceeds 10%.

The best way to save money is to get rid of the necessary daily expenses, leave some urgent money in a current account, and turn it into a regular account after half a year. The so-called 52-week savings law is a bluff.

Everyone pays close attention to Alipay's 52-week deposit. Without you depositors, how can I use Alipay to raise money and how can I use Qian Shengqian? You people have brought me wealth. (Inside Alipay: These people are so stupid, just think of an idea, and these people who get paid will believe it. )

The 52-week savings law really doesn't suit everyone. Here, what suits you is a good way to save money.

The so-called 52-week deposit method requires a certain amount more every week than last week. For example, if you deposit 1 week in 10 yuan, then deposit in 20 yuan in the second week, deposit in 30 yuan in the third week, and then increase 10 yuan every week until 520 yuan. After 52 weeks, the deposit amount will reach 13780 yuan.

The first few weeks were ok, but the later, the more difficult it became. Once interrupted, confidence is also a powerful blow, so some people are suitable for the 52-week savings method, while others are not.

The following is my current savings method.

All my money-saving methods are carried out by Alipay. I opened two functions of ant wish and pen saving on Alipay.

The ant's wish is to set a deposit amount for himself, and then set a regular deduction from the bank card every day. I made two ant wishes, one is to deduct 10 yuan every day, and the target amount is 3650 yuan. The other is to deduct 500 yuan at the beginning of the month (payday) with a target amount of 6,000 yuan. Then Alipay will automatically deduct the money. I will have 9650 yuan by the end of this year. The ant's desire to save money is in the frozen state of Yu 'ebao, and it can't be spent without operation.

Pen saving means that every time Alipay is used for consumption, Alipay automatically deducts a sum of money. I set a deduction of one yuan for each pen, which is about every three months 1000, which is more than 4000 a year.

I use this method to save myself extra money every year. In fact, the amount is similar to the 52-week savings method, except that I only save money once a day on average, and I feel that the pressure is not too great.