Put 300,000 yuan in the balance treasure, can you live on interest every day?

Many people have had this dream: "If I have a deposit of xx million, then I can live on interest only." . In the eyes of China people, deposit is the safest way to invest and manage money. As far as stability is concerned, there is no safer investment and financial management in the market than bank deposits.

In addition, bank deposits also have fixed interest. If you choose a deposit method with higher interest rate according to your principal amount, the income will be good. Because of this, many people have the idea of putting their money in the bank, and China has the highest savings rate in the world.

With the continuous progress of science and technology, some scientific and technological products have penetrated into residents' lives, especially the emergence of mobile payment, which has brought us into a cashless society. Wechat Payment and Alipay are two giants in the field of mobile payment, occupying almost all the market share.

Although both are convenient to use, professionally speaking, Alipay is definitely better than WeChat. After all, Alipay is dedicated to this piece, and WeChat payment is only a function that is added after relying on regular users of WeChat.

In addition to the instant payment function, Alipay has many financial functions, which can not only borrow money through Alipay, but also handle deposit business, which is also known as Yu 'ebao.

Compared with ordinary bank deposits, Yu 'ebao is more flexible to use and can be taken with the deposit. Moreover, compared with ordinary demand deposits, Yu 'ebao has a higher interest rate. Based on these advantages, many people will choose to deposit their money in Yu 'ebao.

Then the question is coming. If we deposit 300,000 yuan in Yu 'ebao, can we live normally on interest income every day?

The yield of Yu 'ebao is about one in ten thousand, and the daily income is about one yuan. If you deposit 300,000 yuan, you will earn 30 yuan every day. Is 30 yuan's income enough for the daily expenses of adults?

For most young people, the income of 30 yuan is basically not enough for daily use. If you live in a first-and second-tier city, 30 yuan may be just a meal. Even if he cooks at home, 30 yuan is barely enough.

Every day in 30 yuan, the monthly income is about 1000 yuan, which is really not enough to support the life of city people. It is difficult to guarantee food and clothing, let alone other expenses. Of course, if you have financial experience and are familiar with the operation of Yu 'ebao, you can also get more interest income from the limited 300,000 yuan.

Seeing this, some people may think this topic is a joke. It is impossible for a deposit of 300,000 to live on interest. However, in my opinion, 30 yuan's daily income has surpassed that of most people in China.

You know, a professional once said: The monthly income of most people in China is only 1000 yuan! In other words, a monthly income of more than 1000 is not a low wage level ... After all, there are still so many people whose monthly income can't reach this figure.

According to my understanding, if you earn 30 yuan a day, it is enough for the daily expenses of people in small cities or rural areas. One thousand yuan a month, annual income 1 10,000, has exceeded most rural people. How much can an ordinary farmer earn from food all year round? Everyone is happy to earn 5000 yuan.

To sum up, the balance treasure deposits 300,000 yuan, and the daily income of 30 yuan is actually enough for most people's daily expenses.

Of course, this is also a hypothesis. Under normal circumstances, if a person has 300,000 cash and can't fully benefit from the interest of Yu 'ebao, they will definitely choose a more advanced financial management method. In addition to Yu 'ebao, they will also deposit their money in the bank and choose large deposit certificates, which will yield good returns.

Then the question is coming. If you have 300,000 cash, do you deposit it in the bank or Yu 'ebao?