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Now, with young people, having a million deposits doesn't seem like a big deal. The main reason is that the Internet is always hyping up the rich people's outlook on life, such as Wang Jianlin's words about "a small goal of 100 million" and the like. Moreover, the housing prices in various places are simply sky-high. In those second- and third-tier cities, 1 million may be barely enough to buy a house, but the housing prices in the first-tier cities are skyrocketing, millions of sets, and 1 million is not enough for a down payment at most. Looking at it this way, having a deposit of 1 million is indeed not a big deal.
Regarding these views in the society, a bank employee unceremoniously said: Now the vast majority of people in China have deposits of less than 200,000 yuan, and once they exceed 1 million, you will be a rare diamond-level VIP customer. Such people can enter private banks, enjoy asset allocation plans tailored to them by professional wealth managers, and also consider their attitude towards risk. At present, it is not easy for the average office worker to save 1 million. Those who can save this amount are often self-employed, small business owners, freelancers or demolition households.
To be honest, there are relatively many people with 1 million deposits in big cities, but in rural areas, families with 1 million deposits are already quite wealthy, and they can even be said to have achieved financial freedom. However, industry insiders have **, considering our country 14Of the 1.2 billion people, only 0 million people have a deposit of 500,00037%, while only 0 percent of those with 1 million depositsAbout 1%, that is, there are about 1.4 million to 1.5 million people with 1 million deposits.
Of course, holding a deposit of 1 million is already quite high enough to stand out on a national scale. You may wonder, why is it so difficult for ordinary people to save 1 million?
First of all, for ordinary families, saving enough for 1 million is indeed quite a difficult task. At present, the monthly income of most workers in China may be between 3,000 and 6,000 yuan, and the monthly expenses including living expenses, children's tuition fees, social expenses and so on are quite considerable. Even if an ordinary family can save 3,000 yuan a month, it is only 36,000 yuan a year, and it will take at least 27 years to save 1 million, and there can be no mistakes during this period. Therefore, for the average salaried class, 1 million is really a "ceiling".
Secondly, even for high-income people, saving 1 million may not be easy. High-income people have to repay loans every month, including housing loans and car loans, and the cost of living is also quite high. So, it's pretty good for most high-income people to be able to balance their expenses and income each month, let alone save money.
Therefore, even if you are a high-income group, you need to learn to live frugally for a long time, master financial skills, and maintain a stable income. Only in this way will it be possible to save up to 1 million deposits over a long period of time.
Finally, while it's relatively easy to save up to 1 million, it's more challenging to keep that 1 million. In large cities, there are relatively many people with a deposit of 1 million. However, in the face of the continuous decline in bank deposit interest rates, many people will choose to invest**, bank wealth management products, etc. However, if you do not have the relevant knowledge and skills, coupled with the poor investment environment, even if you have a deposit of 1 million, you may face the risk of asset shrinkage.