Kunpeng Project
How much deposit does it take to be "rich"? Insiders revealed, have you met the standards?
How much savings does a "rich man" have at any given time? Opinions are very divided on this point. Some people also think that if you have a deposit of more than 10 million, you are rich. But some people believe that many "rich people" are mainly based on investment products such as real estate and **, and their family savings are not much. However, it cannot be denied that he is a "rich man"! Therefore, it is unfair to judge the rich solely by the amount of savings.
In this regard, some industry insiders said: investment products such as real estate and ** are not highly liquid, while savings have high liquidity and can be used to measure the rich. Moreover, the threshold of 10 million rich people is too high, right? The best way is not to go into debt, divide your savings into four grades, and meet these four grades in order to be called a "rich man", have you reached it?
First, a well-off home.
If the savings at home can be on par with the ordinary savings in China, it can be called a well-off home. According to the latest statistics of the bank, the savings of each person in China is 92,400 yuan, and if there are three people in a family, it is 282,600 yuan, which is almost 300,000 yuan. In other words, if you have savings of 300,000, it is a well-off family. In fact, as long as you have 300,000 in savings, you don't have to worry about unemployment and illness.
Second, the wealthy in the middle-income class.
Generally, middle-income rich people have savings between 500,000 and 600,000 yuan. Looking back at 2015, the number released by the bank was only 037% of residents have savings of more than 500,000, and the remaining 9963% of the population is less than 500,000. In recent years, the number of households with savings of more than 500,000 has increased, but it has not exceeded 2%.
You must know that the current bank compensation limit is still 500,000, which means that there is no change in the number of families with savings of more than 500,000 in the country. Generally speaking, the elderly in the northern, upper and deep cities have savings of 500,000 yuan.
Third, financially independent families.
The wealthy in the middle-income class have millions of dollars in savings, which is also the "ceiling" of the average income class. According to one working person, the average wage earner rarely has more than a million in savings. Most of the more than one million customers are self-employed, private enterprise owners, executives of state-owned enterprises, and freelancers.
If you have more than 1 million in savings, you don't have to worry about your old age. With a pension, you can subsidize your family and have no worries about food and clothing for the rest of your life. Even if he doesn't have a pension, this million alone is enough for him to live a worry-free life.
The fourth type is the wealthy who have a lot of assets.
In his account, there must be at least more than 500 to 6 million assets, and that is the real rich. For these customers, they will provide them with personal banking services, and they will also provide you with the highest interest on your savings. In addition, if you like the bank's interest rate is low and you want to diversify your investments, then hire a dedicated financial manager to tailor a financial plan for you. A long time ago, wealthy people with high net worth no longer had to worry about life, and they often worried about how to make their fortune richer.