But under normal circumstances, the existence of banks is of course regular or the wealth management income is relatively high, which can maximize the income. However, if you want to support yourself by interest, the liquidity of regular or long-term financial management is not good enough, which may lead to the interruption of funds in the middle.
Because of the competition of products such as Yu 'ebao, banks have also launched current wealth management products. From the perspective of security, the conservative annualized rate of return of current wealth management products in most banks is 3%, so the interest of 65.438+0 billion yuan a day is about 8265.438+09 yuan, which is 3 million yuan a year, which is equivalent to the profit of a small and micro company.
If you add some other products with higher income, such as long-term financial management, bank deposit certificates, national debt, etc. It is estimated that the annual interest of 6,543.8 billion yuan in the bank can reach about 4 million yuan, which is already a very high income in our country. In the face of excessive consumption desire, 4 million yuan should be more than enough for a family.
Therefore, if 1 100 million yuan only exists in the bank and there is no other investment method, for most people in China, they can live entirely on bank interest, or even speak very well.
But if you really have such a large sum of money suddenly, I suggest that you can choose a variety of financial management methods, such as allocating some stock funds on the basis of retaining bank deposits, or allocating some fixed assets such as real estate. It can not only prevent risks more effectively, but also realize the steady preservation and appreciation of the original funds. Only in this way can we better play the role of this money and realize a happy life as soon as possible.
Imagine this ending, for most people in reality, the hope of getting rich overnight is still very slim, and this sudden good luck is also a lucky few blessed by God. For you and me, it is better to do this job well, learn more about financial management and have a clear and complete plan for our financial management, instead of daydreaming all day thinking that we can get rich overnight.
Only by doing your current job well can you get a promotion and salary increase, and at the same time, you should constantly learn and enrich yourself, and gradually realize the steady preservation and appreciation of assets, so as to realize wealth freedom!