How much do ordinary people need to save to live on interest alone? Interest income of $3,268 per month is available
Saving money is to pay back, how much money do ordinary people have to save? You can get 3,268 yuan of interest every month.
In real life, many things need to be solved with money, and others need to be solved with money. Many people even joke with their lives and their lives in order to make money.
Some people, on the other hand, are rich, and earn more money in a year than the average person in a year, and as long as they save it, they can get rich interest. How much savings do the average person have to have to get such a high amount of interest? Add it up, it's 3268 yuan a month?
Some data. Rich and rich people, sometimes it's really a world of difference. Some people take 100,000 yuan a year, but they think they are ordinary. Some people, earning 30,000 a year, still think that they are mediocre. When talking about "ordinary people", don't think of your own salary and that of those around you as average, but use a specific set of data to calculate it.
In 2022, the per capita monthly free consumption expenditure in our country will be 39,218 yuan, and 3,268 yuan per month. Such a salary, for some people, may not even be enough for basic living needs, however, there is no need to spend money, just need to eat and drink enough, and many places in the country, including rural areas, can support a person.
How much money is needed to make a deposit.
So, if you want to earn 3268 in a month, how much money do you need to keep in the bank? It deals with how savers control their money, including the benefits they enjoy.
If you choose a fixed deposit or a large deposit, you can hold it until you are able to enjoy the full interest rate. The fixed rate of ICBC for March is 115%, if you want to reduce it, it will be difficult to do. Among these deposits, the interest rate of Great Wall Huaxi's five-year fixed deposit reached 395%, while fixed deposit rates are higher and there are very few fixed interest rates now.
39218×1.15%=3410261,39218×3.95% = 992861, that is, the amount of deposits required is between more than 990,000 and more than 3.41 million, which is a very big change, depending on the needs of savers for interest rates. If the interest rate is higher, the deposit will be less. If the interest rate is low, then more deposits will be needed.
How to do it. In China, according to relevant data, the vast majority of people have only more than 500,000 yuan in savings, and it is very difficult for ordinary people to achieve this by saving. If you want to achieve economic freedom, you have to work hard, greatly increase the amount of your deposits, and you can also do regular investment, deposit treasury bonds, do some major foreign trade business, and earn 1,000 yuan a month, or through the bank's small fund management.
Add up, if a person has to repay 3,268 yuan per month, his current funds should be between 99-3.41 million. That's a lot of money, so it's better to do both, both to increase the number of deposits and to raise the interest rate.