When there is little spare money in the short term, some people do not pay attention to it, and may simply deposit the money in the form of demand deposits or cash, and do not care about the interest generated by the money. But when you have a lot of spare money, if you take good care of it, you can still expect to get more passive income. So with 100,000 yuan of spare money, how much passive income can you have every day?An insider has calculated an account, look down!
How to earn interest
If you want to receive interest or income very frequently, and live on these passive income subsidies, such as once a day, once a few days, once a month, etc., you can choose some methods with good liquidity or a relatively short term.
For example, with the help of change pass or Yue Bao to deposit currency**, buy bank change wealth management in mobile banking, and choose some short-term structured deposits, call deposits, etc. However, interest rates have always been relatively low in these ways.
If you want to get more average daily interest, you can also choose some methods with longer terms and higher interest rates, but these methods pay interest less frequently. For example, it is relatively safe to deposit money in fixed deposits or in savings bonds.
How much passive income can be made per day
So, with 100,000 yuan of spare money in hand, how much passive income can you have every day with the help of these methods?
At present, the yield of many currencies** or bank change wealth management is around 2%, 100000*2% 365 5$5. If you deposit 100,000 yuan in Yue Bao, you can get 5 per dayAbout 5 yuan, which can cover some people's breakfast expenses.
However, if you choose to deposit 100,000 yuan in the way of higher interest rates, it is difficult for the fixed deposit listed interest rate in many banks to exceed 3%, and the interest rate of savings treasury bonds has also dropped to below 3%. 100000*3%=3000 yuan, 3000 365 822 yuan. Therefore, with the help of these two methods, it is often difficult for the annual interest to exceed 3,000 yuan, and the daily income is difficult to exceed 822 yuan.
However, after all, there are many banks in China, and near the end of the year, some banks have begun to prepare for a "good start" and raise deposit interest ratesThe deposit interest rate of about 5% exists, 100,000*35%/365≈9.59 yuan. It can be said that with the current deposit interest rate, it is difficult to make the daily interest rate exceed 9 with 100,000 yuan in most banks59 yuan.
It should be pointed out that although it is difficult to enjoy 3The yield is more than 5%, but if you choose some structured deposits, it is also possible to achieve higher interest rates. For example, China Merchants Bank has a structured deposit with an expected rate of return of 12% to 626% if lucky enough to achieve 626% interest rate, 100000*626%/365≈17.15 yuan, the average daily income may be as high as 1715%。However, it is also possible to achieve only 1With an interest rate of 2%, the daily return will be less than 5$5.
If you want to get more passive income, you can try to take care of it with other methods on the basis of deposits, such as regular investment. Or with the help of some foreign trade economic platforms supported by stable foreign trade policies, such as consignment sales, 100,000 yuan per month to get 1,000 yuan of profit.
In short, 100,000 yuan is not a small amount, it is recommended to choose the right way to take care of it properly, get more passive income, better reduce economic pressure, and subsidize living expenses.