Calculate an account first:
If the bank deposit interest rate is 0.35%, the annual monthly interest rate is100,000× 0.35% ÷12 = 2917 yuan;
According to the central bank's one-year benchmark interest rate 1.5%, the annual converted monthly interest is100000×1.5% ÷12 =12500 yuan;
Of course, all domestic banks will float on the basis of the benchmark interest rate when setting the fixed deposit interest rate. As shown in the above figure, we take the median one-year deposit interest rate of all banks as 2%, and the annual converted interest is100,000× 2% ÷12 =1666.7 yuan.
The deposit of 6,543,800,000 yuan fully meets the purchase point of the bank deposit certificate. One-year certificate of deposit has a maximum interest rate of 2.325% (benchmark interest rate rises by 55%), and the annual monthly interest rate is 654.38+million× 2.325% ÷12 =19375 yuan;
If you don't need to spend a lot of money in the short term, you can also choose a three-year time deposit certificate with regular interest payment, with the highest interest rate of 4.2625%, and the monthly interest rate100,000× 4.2625% ÷12 = 35521yuan.
The above is only the interest calculated according to the bank's time deposit products. Of course, you can also consider the bank's wealth management products or private banking business. The annualized interest rate can reach about 4%-7%, but financial management is risky, and it is impossible to protect the capital and interest like deposits, and there is no deposit insurance protection. It is roughly estimated that if you choose this kind of product, your monthly income will be between 33,000 and 50,000.
Through the above calculation, 6,543,800,000 yuan is deposited in the bank, with the lowest monthly interest of 3,000 yuan and the highest income of about 50,000 yuan.
And no matter which bank you deposit such a sum of money in, you will become a VIP customer of this bank, a guest of the president of the bank, and gifts are indispensable, and you will never forget all kinds of high-end activities.
100000 deposit in the bank, what is the return?
According to the data of 20 19 published by the National Bureau of Statistics, the per capita disposable income of the national residents is 30,733 yuan, and the total monthly disposable income is 256 1 yuan. According to the above calculation,100000 pre-life interest income reached 29 17 yuan, which was higher than the national per capita disposable income level in 20 19.
According to network data, in 20 19, the city with the highest per capita wage in Beijing reached 109 10 yuan. 1 00000 yuan deposit can earn interest of 12500 yuan per month even if it is calculated according to PBOC's regular benchmark interest rate1year, which is higher than the average wage income level of top cities in China.
Of course, the average salary does not reflect the actual salary level of everyone. I believe that most people are dragging the average. And some super-rich people can spend more than 2 million in one night, which makes us and other ordinary people feel ashamed. We can't have so much money in our hands all our lives. People are more popular than others!
However, it is really 6.5438+million, with a house and a car, good health and a happy family. There is no big investment and consumption demand, just eating the interest deposited in the bank is enough to meet the needs of life.