The identity of the family's 200,000 deposits is revealed, and experts tell the truth of the reality level
Have you ever wondered if a family with 200,000 deposits is considered rich or poor in this country?
Does this level of savings give you peace of mind?How many households in the country can reach this level of savings?
How do savings levels differ in different cities?
This is an intriguing question that involves many factors such as the country's economic and social development and personal income.
A household's level of savings can also affect its quality of life, investment in education, health care, and retirement readiness.
So, what is the level of a family with 200,000 deposits in the country?The central bank's data report is given"Answer"。
i.The middle and upper classes of the country.
According to the People's Bank of China, the balance of deposits of Chinese residents is 9818 trillion yuan, 7010,000 yuan.
If a family of three is taken as a standard, the average savings per family is 210 300.
This means that households with 200,000 savings have basically reached the national average of household savings, which can be said to be at a medium to high level.
Of course, this average does not mean that all households have such a level of savings.
In fact, the savings of our residents are very unevenly distributed, with some households having a lot of savings and others having little or no savings.
According to a report released by Southwestern University of Finance and Economics, 55% of households in China have almost zero savings, and only 35% of households are able to achieve savings of 160,000 yuan.
This means that 65% of households have less than 160,000 in savings, and there will certainly be much fewer households with 200,000.
If conservatively estimated, 30% of households have more than 200,000 household savings.
In this way, households with a deposit of 200,000 account for more than 70% of the country's households, belonging to the upper middle class.
ii.Different feelings in different cities.
While nationally, households with 200,000 in savings belong to the upper middle class, this level of savings will be felt differently in different cities.
This is because different cities have different prices, incomes, housing prices, etc., which affect a family's standard of living and purchasing power.
In general, first-tier cities have higher prices, incomes, and housing prices.
Therefore, in first-tier cities, a household with a deposit of 200,000 yuan can only be counted as the lower middle class, and may not even be enough to buy an ordinary car or pay a year's rent.
In first-tier cities, a family must have at least hundreds of thousands or even millions of savings in order to live a relatively comfortable life and cope with various expenses and risks.
In second- and third-tier cities, if a family has a deposit of 200,000 yuan, it can be considered an upper-middle-class family, and can even afford to buy a small house or pay off a ten-year mortgage.
At. In second- and third-tier cities, a family may only need tens of thousands or even thousands of yuan in savings to cope with various expenses and risks and live a relatively comfortable life.
Therefore, a family with a deposit of 200,000 will feel differently in different cities.
Some people will feel rich, others will feel poor, and it also depends on a family's outlook on consumption, finances, and life.
iii.How to manage and plan funds.
No matter how much money a family has, it is important to manage and plan their finances properly to ensure that their assets can be preserved and increased in value to cope with various needs and risks in the future. How should a family with 200,000 savings manage and plan?
Households should create a reasonable budget based on income, expenses, debts, goals, etc., to control spending and avoid overspending or waste.
Try to save some unnecessary expenses and increase some necessary production factors, such as education, medical care and pension.
Families should choose the appropriate financial management method according to their risk appetite, capital needs and income expectations, and allocate and allocate their savings reasonably.
Avoid putting all your eggs in one basket or keeping all your money in the bank, and instead diversify your investments.
For example, bonds, real estate, etc., with the aim of diversifying risks while obtaining higher returns.
A family must constantly adjust and optimize its financial management and planning according to the stage of its life, the achievement of its goals and the changes in its assets.
In order to adapt to changing circumstances and needs, such as getting married, having children, buying a house, studying Xi, retirement, etc., you need to adjust and optimize your financial management and planning accordingly to ensure that your assets can meet your life needs and achieve your wishes and dreams.
Summary. The level of savings for a household with 200,000 in the country is a question that has no standard answer.
This is because different cities, different households, different consumption forms and different financial management concepts will affect the perception and evaluation of the level of household savings.
But in terms of the national average, a household has 200,000 in savings.
It can be said that it is the middle and upper class, surpassing 70% of households in the country and reaching the average national resident savings.
Of course, such a level of savings does not mean that a family can live a carefree life. It is also necessary to formulate a reasonable budget, choose the right financial management method, and constantly adjust and optimize the financial management method and planning according to their actual situation to ensure that the value of assets can be maintained and increased to cope with various needs and risks in the future.
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