China's 1 million deposits, what level? Bank employees are outspoken
In these years, a million savings is not a problem at all for many young people. The most important thing is that the three views of the rich are now being promoted everywhere on the Internet. Wang Jianlin once said: "100 million is just a small purpose." "At the same time, housing ** is high throughout the country. At.
In second- and third-tier cities, it is very difficult to buy a house, but in a big city, the cost of a house is five or six million, and one million is not enough for a down payment. Therefore, combined with the above two points, a million savings is really not much.
For the current society, a staff member said "bluntly": At present, the savings amount of most savers in the country is less than 200,000 yuan. As long as you have more than a million savings, you are a Diamond VIP. Depositors can go to a specialized financial institution and ask them to develop a diversified investment plan for you to help you hedge against risk. Judging from the current situation, it would be good for the average office worker to have one million. Most of those who can have millions of savings are self-employed businesses, small business owners, freelancers, demolition households, etc.
In fact, there are still more than one million savings customers in big cities, while in remote villages, one million savings is a very rich person, which can be said to be financially independent. But according to industry estimates, the country 14Of the 1.2 billion people, the proportion of savings for 500,000 is only 037%, the savings ratio of 1 million is only 01%, that is, 1 million savings are between 1.4 million and 1.5 million.
Obviously, having a million in savings is already very good, more than most people in the country. Perhaps many people wonder how difficult it is for the average person to save a million.
First, for an average family, it is difficult to save a million. At present, the wages of most workers in the country are only 30 to 60 million, and the monthly living expenses, children's tuition fees, social entertainment, and other expenses are very large. The average person can save 3,000 yuan a month, which is 36,000 yuan a year, and to save enough for 1 million, it must be saved for at least 27 years, during which time you can't be unemployed, sick, or have an accident. Therefore, one million is considered a "ceiling" for the average office worker, which is not an exaggeration at all.
Second, even if you have money, you don't necessarily have a million in savings. People with high incomes have to pay high housing loans and rents every month, and their daily expenses are also very large. Therefore, most high-income people, with a month's salary, are unable to make ends meet, let alone save a large sum of money.
Therefore, even if you are a high-income bracket, you still need to learn how to save money while maintaining a stable salary. If you can save a million after spending a long time, that's the only way.
Third, it's easier to save a million, but it's very difficult to keep a million. Just like in big cities, a significant proportion of people have more than one million in savings. However, in the situation of the continuous decline in the bank's savings interest, many people will invest**, bank wealth management products, etc., and when the lack of relevant professional knowledge and skills, and the investment environment is not good, even if you have a million savings, there may be a risk of property shrinkage.
A few years ago, there were quite a few wealthy people who started to try P2P, but they all failed. Originally, some high-net-worth people went bankrupt overnight because of the massive reduction in assets. As a result, fewer and fewer people have saved more than a million in recent years.