I personally suggest that depositing money in the bank, or using the money to buy financial products, to achieve the effect of money making money is the safest plan. The details are as follows: The first thing you have to do is to deposit your money in the bank and earn stable interest

1. Deposit for a fixed term

Nowadays, state-owned banks provide a fixed term of one year. The interest is 2.1%, the interest for two years is 2.6%, and the interest for three years is 3.25%. If you deposit 2 million for one year, the interest upon maturity will be: 200×210=42,000.

On average, this amounts to 3,500 yuan per month. If 2 million is deposited for two years, the interest upon maturity will be: 200×260×2=104,000.

On average, the interest will be 52,000 per year. On average, it is 4,333 yuan per month. If 2 million is deposited for three years, the interest upon maturity will be: 200×325×3=195,000.

On average, the interest will be 65,000 per year. On average, it is 5,417 yuan per month. Nowadays, many people’s monthly salary is only three to five thousand. And if you deposit this 2 million on a regular basis, the interest will be three to five thousand a month. As long as life is not extravagant and wasteful, it is still possible to live a stable life.

2. Purchase treasury bonds

The latest treasury bond has a three-year interest rate of 3.4% and a five-year interest rate of 3.57%. If you buy a three-year treasury bond with 2 million yuan, the interest you can get every year is: 200×340=68,000

On average, the interest is 5,667 yuan per month. If you buy 2 million five-year treasury bonds, the interest you can get every year is: 200×357=71,400

On average, the interest will be 5,950 yuan per month. The interest rate of nearly 6,000 yuan a month is already on par with the average salary in many second- and third-tier cities. There is no problem in living a simple life with no worries about food and clothing.

3. Purchase a large-denomination certificate of deposit

If you spend 2 million to buy a large-denomination certificate of deposit from a small bank, the interest rate can be about 4.0%. The average interest income per year is: 200×400=80,000. The average monthly interest is 6,667 yuan. With an income of six to seven thousand a month, one can live an ordinary and normal life in any city in China. If you are in a small city or county, you will definitely have a very comfortable life.

4. Pursue income and asset allocation

If you are pursuing income, you can just find a big bank and ask the bank's financial manager to make an asset allocation for you. Buy some treasury bonds and certificates of deposit, and the rest can be purchased from private equity products. As long as the operation is good, an income of more than 5.0% a year can still be achieved. 2 million, the annualized income is 5.0%, and the interest in one year is 100,000. An annual salary of 100,000 yuan is already considered a very high income for ordinary working-class people. With a deposit of 2 million, you are already qualified to win. If you really feel bored, you can also find a relaxing job

Put these 2 million safely in the bank, and you can live a simple life of earning money. I go fishing every day, play cards, and occasionally travel, and my life happiness index is full. If you feel bored, you can also find a relaxing job. The kind that works from 9 to 5 and only requires a monthly salary of one or two thousand yuan. It not only adds an extra income, but also does not allow yourself to be idle. Work and take care of yourself at the same time, and enjoy your life.