400,000 deposit can lie down to win? The gap between the ideal and the reality
400,000 deposit can lie down to win? The gap between the ideal and the reality
In today's competitive era, more and more people dream of having a deposit and thus living it"Win-win"i.e. no longer working 9-to-5 and relying entirely on interest on savings or investment income to meet the needs of daily life.
Recently, someone asked: If a person has a deposit of 400,000, can't he achieve the so-called through hard work"Lie to earn"Life? In response to this problem, industry insiders analyzed from many aspects and said: The ideal is very beautiful, but the reality is very difficult, let's take a look at it together.
i.Deposit interest rates.
In real life, the vast majority of people keep their money in the bank because in everyone's mind, the bank is a safe and secure place to get a stable interest income. However, with the continuous change in the financial market environment, bank deposit rates are currently on a downward trend, and there is even room for them to fall in the future. This also means that the interest rate you deposit in the bank will be lower and lower in the future.
If calculated according to the current interest rate of about 3% for fixed deposits, the annual interest income of a deposit of 400,000 yuan is only 120 thousand. Obviously, this interest is barely enough to cover daily expenses, and it is certainly not enough in the event of an unforeseen situation.
Two. Inflation.
As we all know, inflation affects the real purchasing power of deposits. And nowadays, inflation is getting higher and higher, and prices are **, reducing the real purchasing power of deposits. In this case, if you live on only 400,000 deposits, over time, the price **, the cost of living increases, it will definitely not be able to sustain it"Eat on wages"life. Therefore, it is achieved by relying only on deposits"Win-win"Life is unwise.
iii. Attitudes and values towards life.
Downturn"In addition to the economic impact of life, it also affects people's attitudes and values. If a person does not work for a long time, it is likely that the individual's abilities will deteriorate and even affect mental health and social adjustment. In fact, work is not just about earning money, but more importantly about the opportunities and challenges that work brings, not only enriching experiences, but also self-esteem and beneficial social relationships.
iv Accumulation of deposits.
For the vast majority of people, it is not an easy task to save up to 400,000. Few people are able to save 400,000 because in real life, people need to pay for expenses like mortgages, education expenses, medical bills, etc.
In conclusion, although many people dream of achieving it by accumulating a deposit"You can earn it while lying down"But real life is full of uncertainties and challenges, and bank deposits alone are certainly not enough. Therefore, even if a certain deposit is accumulated, in realization"Lie down to win"In the process of life, we should also pay attention to improving the safety and preservation of funds through reasonable financial planning and diversified investment, so that wealth can continue to increase.
For example, by investing funds in different fields such as bonds, **, or with the help of some foreign trade economic sales, with policy guidance, sharing 1% of profits in each 30-day cycle, etc., can not only control risks, but also have the opportunity to get more benefits.
In addition, in the pursuit of wealth, people should not ignore other ways to increase wealth, such as upgrading skills, getting a promotion and salary increase, expanding a side hustle, etc. This will bring more possibilities and opportunities to your life.