What is the amount of savings required for a "wealthy family"? The answer is revealed
For Chinese residents, deposits are a safeguard against unknown risks. Of course, with the development of the times, deposits have also become a symbol of strength, and the larger the number in the account, the stronger the strength. Well, do you know whether a family's savings are enough to be considered in today's unpredictable society"Wealthy families"Is it? Let's do it!
1.Wealthy families
Compared to a few decades ago, most people now live in relative affluence, with enough to eat and clothe themselves every day, and to buy an apartment or car.
However, with the normalization of wealth, these standards of living naturally became commonplace and were no longer wealth standards. As social standards change, so do the standards of wealthy families. The amount of money deposited in an account is a good indicator of a family's level of wealth.
2) Criteria for wealthy families.
First of all, from the point of view of deposits. According to relevant data, the maximum compensation amount stipulated in China's deposit insurance regulations is 500,000 yuan. What does this mean?
That is to say, according to the central bank's survey, China's residents' bank deposits can reach 500,000, and the interest rate is only 037% or so. It can be seen that as long as the household savings reach 500,000 yuan, it can basically exceed the vast majority of people or families in China. So, from this point of view, if a family's savings can reach 500,000 yuan, it has already caught up with wealthy families.
The second is property. As we all know, with the passage of time, the current value of real estate in China may only be a few hundred thousand yuan, or it may be tens of millions or even hundreds of millions of yuan.
It has been proven that if a resident can afford to own a fully financed commercial property, then they can outlive more than half of our country's residents or families. Similarly, even if the property is liquidated, the cash on hand is almost equivalent to the amount that most people would have to work hard for most of their lives.
Finally, there is the level of income. In addition, the level of household income also affects the level of household wealth. Judging from the current level of national income, the income level of most people in China is basically maintained at about 3,000 yuan, and with the increase of experience, the income level can reach 5,000 yuan. Of course, if you have strong ability, your income can also increase, but it is still a very difficult watershed for your income level to reach 7,500 yuan.
If both of them can reach this level, then their monthly income can reach 15 000 yuan, which is already a very good income level under the current social level.
3.The life of a wealthy family.
Of course, wealthy households not only differ in income or savings levels, but also in lifestyles, levels of financial management, and consumption patterns.
For example, in terms of financial management, most ordinary people have a certain amount of savings in the bank; Relatively wealthy families are willing to try more channels, such as **, bonds or foreign trade economy**, etc., which can achieve a 30-day 1% targeted quota, so that funds can bring more income. Of course, the higher the direction of returns, the higher the risk.
In general, as society continues to change, so do the standards of wealthy families. However, it is worth noting that even today's secular lifestyle is already a life of affluence that many people are pursuing in their hearts. What do you think about this?