Time deposits now have one year, two years and three years. Moreover, the time deposit interest rates of state-owned banks and local commercial banks are also very different. Let's calculate separately how much interest income there is in a deposit of 500 thousand a year.
The annual interest rate of state-owned banks is 2. 1%, and that of local commercial banks is 2.25%.
If you are in a state-owned bank, the interest due in one year is:
2 10 50 10500 yuan, with an average of 875 yuan per month.
If you deposit 500,000 yuan in the local commercial bank, the annual interest is:
225 50 1 1250 yuan, with an average monthly interest income of 937.5 yuan.
Whether it is 875 yuan per month or 937.5 yuan per month, it is impossible to meet the living needs of an ordinary person now. Unless you really can do it, three meals a day steamed bread porridge.
Under normal circumstances, you have to use the principal to maintain your life, and you can't win.
At present, the two-year fixed interest rate of state-owned banks is 2.6%, while in local commercial banks, the two-year fixed interest rate can reach nearly 3.0%.
500,000 yuan is deposited in state-owned banks, and the interest income after two years expires is:
260 2 50 26000 yuan
The interest for two years is 26,000 yuan, with an annual interest rate of13,000 yuan and an average monthly interest rate of 1083 yuan.
If 500,000 yuan is deposited in a local commercial bank, the interest income after the expiration of two years is:
3,002,503,000 yuan
The total interest income for two years is 30,000 yuan15,000 yuan per year, with an average of 1250 yuan per month.
Nowadays, many newly retired old people earn only about 1000 yuan a month. If you can scrimp and save, you can win while lying down without other extra expenses.
The three-year fixed interest rate of state-owned banks is now 3.25%. In local commercial banks, the three-year interest rates vary greatly. Some are 3.58%, some are 3.85%, and the highest interest rate reaches 3.9785%. Let's calculate according to the interest rate of 3.85%.
If you deposit 500,000 yuan in a state-owned bank, the interest due in three years is:
325 3 50 48750
48,750 yuan for three years, with an average of 16250 yuan per year and 1354 yuan per month.
If you deposit 500,000 yuan in the local commercial bank, the interest due in three years is:
385 3 50 57750 yuan
The interest for three years is 57,750 yuan,19,250 yuan per year, and the average monthly interest is 1604 yuan.
There is little difference between monthly 1300 and monthly 1600. If you are in a first-tier city, you can barely survive even if you have a house.
If you are in a small county, you can live a normal life without extra expenses.
1. If the monthly expenditure is 1000 yuan.
If your monthly living expenses only need 1000 yuan, you can win with the regular interest of 500,000 yuan.
500,000 yuan is deposited in a three-year fixed term, and the average interest is at least 1.300 per month. This interest is enough for you.
It costs 2000 yuan a month.
Like living in a smaller city, 2000 yuan a month is enough for living expenses.
Assuming the interest remains unchanged, 500,000 yuan will be deposited in a local commercial bank with a term of 3 years, and the average monthly interest will be 1.600. In this way, the monthly principal of 400 yuan is 4,800 yuan a year, and the three-year period is only14,400 yuan.
500 thousand, with interest and capital, is enough for you to live alone for more than 40 years
The monthly living expenses are 3000 yuan.
If you need 3000 yuan for living expenses every month, you need 36000 yuan for one year and 654.38+008000 yuan for three years.
However, if you deposit 500,000 yuan in a local commercial bank, the interest due in three years is only 57,750 yuan, which is equivalent to reducing the principal by at least 50,000 yuan in three years. And the later, the more it decreases.
500 thousand is saved for three years, with interest and interest, only enough to last for 20 years.
If you spend 5000 yuan every month.
If you spend 5,000 yuan a month, it will be 60,000 yuan in one year and 1.8 million yuan in three years. After the first three years, your interest is only over 50,000, and your principal is reduced by1.20,000.
In the second three years, the principal is only 380,000. Fixed deposit for three years, the interest is only forty-four thousand. And you will spend 6.5438+0.8 million in these three years, and the principal will be reduced by 6.5438+0.36 million.
In the third year, the principal was only 244,000. The deposit is fixed for three years, and the interest is only 28,000. The three-year living expenses are 6.5438+0.8 million, and the principal is reduced by 6.5438+0.52 million.
After nine years, your 500,000 principal is only 92,000, which is only enough for you to live less than two years.
So, if you spend 5,000 yuan a month, 500,000 yuan plus interest will only be enough for you to spend 10 years.
If you are 40 years old and can live for another 40 years, and there are 500,000 people in the bank who don't have to go to work regularly, then your monthly living expenses can't be higher than 2,000 yuan.
Everything in our life needs money for food, clothing, housing and transportation except eating. It will cost more to have a baby older than you.
There are hundreds of minor illnesses, thousands of moderate illnesses and tens of thousands of serious illnesses. A serious illness brought you back to before liberation overnight. Therefore, it is obviously unrealistic to live on 500,000 bank deposits and eat interest.
In our country, a person can have a bank deposit of 500 thousand, even if he is a millionaire.
If 500,000 people buy certificates of deposit from local commercial banks, the three-year interest rate will be around 4.0% and the annual interest income will be around 20,000.
Take your time when you have food in your hand. If you take a more relaxed job, you will feel different at work. Wages meet their living expenses, and interest money from bank deposits is used for tourism consumption, which can definitely make life very moist and chic.
No
It's a good idea to deposit 500,000 yuan in the bank to live on the interest earned every year, but it's impossible to implement, mainly because the principal of 500,000 yuan is too small.
At present, 500,000 yuan is deposited in banks, and the interest rates of big banks are generally lower, while the annual interest rates of small and medium-sized banks will be higher. If you want to live on interest, you can consider saving some three-year certificates of deposit from small and medium-sized banks with an annual interest rate of 4%, and some can pay interest on a monthly basis. In this way, if you deposit 500,000 three-year certificates of deposit with an annual interest rate of 4%, then one year is 20,000 yuan of interest income, with an average of 1.666 yuan per month and an average of 54.7 yuan per day.
If you have a house, cook at home and save some money, you can basically live on interest, but only for a short time. If it is a family, even if it is saved, it may not be enough. If the price rises a little in the future, the interest income of one month 1666 yuan may be a little stretched, and it will not last at all.
If you own a house, deposit more than 4 million yuan, and deposit a three-year certificate of deposit in the bank with an annual interest rate of about 4%, you can get interest income of more than 6.5438+0.6 million yuan every year, and the average monthly interest income can reach 6.5438+0.3 million yuan. This level of interest income is relatively high. If you save some money, it is basically enough for the family to live a good life.
Of course, if there are 4 million deposits in the bank and the family continues to work hard to make money, then there will be more and more deposits in the future and the interest earned every year will be higher and higher, so that it is possible to live a better life.
To sum up, it's hard to survive with 500 thousand in the bank. If you have millions of savings and a house, it is basically enough for a family to live a good life.
If you are alone and have a house in the countryside, you can live well at least a little. You can raise some chickens and ducks and grow some vegetables in the country. 500 thousand deposit bank interest is about 900 per month. Instead of eating, drinking, gambling, buying food and pocket money is enough.
Deposit 500 thousand in the bank, a large deposit for three years. The interest rate was 4% more than a month ago, and the interest you can get every month is 1777 yuan. Then think for yourself. Is it enough?
1, urban workers. The average retirement wage in Beijing (2020) is 4,000 yuan. The average retirement salary in Shanghai (20 19) is 4080 yuan. The average retirement salary in Tianjin (20 19) is 2700 yuan. The average retirement wage in Jiangsu (20 19) is 2700 yuan, and the national average retirement wage is (2065 438+09)3000 yuan.
So it can be seen that one month 1770 yuan should be the retirement salary of many urban workers. I'm afraid these people just help their children, or work by themselves. With this little money, they live in the city and have a relatively tight life.
2. Farmers. My hometown is in rural Jiangsu. At the age of 60, you can get a pension of 120 yuan. My father is over 90 and his pension is over 400. In this way, in rural areas, a monthly income of 1777 yuan should be good.
3, regardless of rural cities, in addition to pensions or pensions, the most important thing is medical insurance. If not, you dare to lie flat and wake yourself up sooner or later. Obviously, if you are healthy and can't go to the hospital, you can live on 1777 yuan a month. If you have an accident, or you are sick all over, you can't live for a day.
4. broaden your horizons. In many European countries, welfare benefits are getting better and better, and national finances are becoming more and more difficult. Greece, for example, and even Italy are in danger of bankruptcy. People don't want to work, but think about holidays and travel all day. This is a serious problem. Getting something for nothing will never be a climate.
So there is 500,000 yuan in the bank, and 1777 is withdrawn every month. Should I work? If I can't, I'm sick. 1 10,000 is not enough.
I have 500,000 yuan in the bank for five years, with a monthly income of 1875 yuan. Is that enough?
500,000 time deposits can only be regarded as poor people in today's society. China Bank's investment in the crude oil treasure incident10 million yuan or less is recognized as a small and medium-sized investor.
There are 500 thousand deposits that have exceeded %95, which is quite good. You know, our average income is 5.008 million, and our average deposit is 3.5 million. After 80 s and 90 s, most of them are in debt, but 500 thousand people don't have to work. Personally, I think it's hard to survive just by paying interest.
First of all, let's find out what the interest of 500 thousand is. According to the interest rate of 2. 1 of the four major banks, the annual interest rate of 500,000 yuan 1 10,000 points, the annual interest rate of 378 years is less than 20,000 yuan, the annual interest rate is 4. 12, and the annual interest rate is 20,000 yuan.
The minimum interest is less than 900 per month, the three-year interest is more than 1600 per month, and the five-year interest is more than 1700 per month.
The daily consumption is equivalent to 30, 55 and 58. For men, the daily living expenses include a pack of cigarettes (10 15), a bottle of water (3 5), a day's meal (20 30), a cup of autumn milk tea (8 16) and various snacks (65438+).
Secondly, the subject's question is a bit arbitrary. If you just say 500 thousand, it's really good, but living on interest only requires comprehensive consideration of the following aspects.
1. Do you live in a city with at least two sets of fixed value-added assets, or a small piece of land? You need at least a set of small window-dressing rent for your daily life, and the interest of 500,000 deposits is reserved for use.
Because the house is the most basic of a family, it is also the sublimation of maintaining the feelings of husband and wife, and it is also a stable dependence. Why do you need at least two houses, one to live in, the other to protect your value, or to realize it when necessary?
2. Is there a stable investment? If you only deposit 500 thousand interest in the bank, you can maintain the most basic life. However, it is really difficult to maintain a family's extra expenses, secular exchanges, children's tuition and living expenses, and a family's food, clothing, housing and transportation.
So you must have a steady investment, preferably within your own ability, and the income should not exceed %8, so as to ensure that the principal will not be damaged to the greatest extent.
3. medical care and social security, such as: if you are sick and need money urgently, you have to use the principal. The less the principal, the lower the interest. If you have a serious illness, the principal of 500 thousand is likely to be stretched.
Inflation is rising every year. If there is no social security, even if the principal of 500,000 yuan does not move until the age of 60, the purchasing power will decline. So social security and medical insurance must be available. Giving yourself a guarantee is also to reduce the burden on your family.
4. What is the consumption level of this city? If it is a county or a small city, you can live at average interest. If the interest of 500,000 yuan in the second-tier and first-tier cities is not enough, it is very likely that even the recent life will not be maintained, let alone eating pickles, eating and drinking sweet soup every day, which is very drag.
Most importantly, the meaning of survival and life is very different. Personally, I understand that survival is suitable for a person, that is to say, to muddle along. Life is to shoulder heavy responsibilities, give family members a trust and a responsibility, and make their lives flourish.
Therefore, I personally feel that only 500,000 regular interest can survive in the county, and it is difficult to guarantee the most basic life in big cities. I suggest using 500,000 yuan to do some serious work to improve the quality of life for myself and my family.
1. The first is investment. If you are in the education industry, you can hold training classes to let you have more contact with your children and be more childlike. You can also use tuition to increase your income.
However, it should be noted that on the one hand, we must find a store according to our own ability, and we must not fail without investing 500,000 yuan. On the other hand, we should have real talents and practical knowledge in this field. Nobody's money comes from the wind, so don't mislead others.
If you like something or want to improve your connotation, you can buy books on it to improve yourself. On the one hand, you can use your spare time to improve your interest and enrich your knowledge. On the other hand, when you succeed, the rate of return will be much higher than what you are paying now.
3. If a person plans to enrich his knowledge and ability by 500,000 yuan, then he will have a unique vision and marry a wife who has the ability to have a consistent view. On the one hand, it will bring too many benefits to his future family and help his personal career and life.
4. With a family, it is necessary to plan the use of 500,000 yuan. Some people who don't need it or are fat, don't worry in advance, such as car, food, clothing, housing and transportation. Save if you can. It is possible to be sweet first, but life after sweetness must be the most bitter.
5. Again, the most basic thing for a family is a house. If you don't have a house, I suggest buying a small one first, even a second-hand house, because you have a house to have a home, and you can settle down, start your own business and get married according to the plan.
A deposit of 500,000 yuan is indeed beyond the reach of most people, but it is by no means a reason not to struggle, and it is even more impossible to live on interest.
That's something that hasn't happened yet When real difficulties come, 500 thousand is likely to be stretched, so you must work harder and want a carefree life.
With at least 3.005 billion cash, fixed assets and earning power, it is possible to live only with interest, and the more you save, the more you save. Let's cheer together.
At present, the minimum living allowance is only in 300 yuan. How can I get sick after a month 1000 yuan? You can't spend a few dollars on living expenses, eat coarse grains and have a light meal every day.