500,000 yuan is all deposited to eat interest, and then do not work, can I maintain my life by doing

The current Yu'e Bao yield is too low, 500,000 Yu'e Bao relies on interest, it is absolutely impossible not to work, only wait for hunger, you must work hard to increase your income in order to maintain your life.

In the face of the current era of high consumption and high pressure, 500,000 yuan is indeed not money, if you want to rely on 500,000 yuan to live the rest of your life is very unrealistic, the following is a detailed analysis.

Yu'e Bao YieldYu'e Bao reached 6% of the rate of return when it was established, and then stabilized at 4%, and then declined all the way in recent years, and the current yield has hit a record low.

As of yesterday, the latest situation of Yu'e Bao's yield is shown in the figure above, 10,000 yuan of income, 7-day annualized rate of return, the highest rate of return in the past 1 year, and the yield is indeed very low.

How much interest income does 500,000 Yu Bao have? According to the latest rate of return of Yu'e Bao yesterday, the income of 10,000 shares is yuan, which means that every 10,000 yuan saved in Yu'e Bao is only yuan per day, according to this income as the benchmark.

If there is 500,000 yuan in Yue Bao, how much interest is there?

Daily interest income: 500,000 * yuan = yuan.

Monthly interest income: 500,000 * yuan * 30 days = yuan.

Total annual interest income: 500,000 * yuan * 365 days = yuan.

Through calculation, now 500,000 yuan is stored in Yue Bao only yuan per day, every month, and every year.

I only have an interest income of yuan per year, is it okay not to work? According to the consumption level in 2020, it is only 6,814 yuan per year, only yuan per month, and only yuan per day.

According to this interest income, no matter which city you live in, you can't survive with this interest, and you must go to work to increase your income and improve your quality of life.

If you only have yuan every month, you can't even afford to rent a house, can you sleep under the overpass? Even if you sleep under the overpass, you always have to eat, right? Three meals a day should also be solved, right? Now a fast food is 15 yuan, and two meals a day are 30 yuan, and I can't even afford to eat fast food.

Therefore, it is of course not enough to save 500,000 yuan to eat interest and live on interest if you don't go to work. Even where you live, you can't even have food and clothing, what else can you do? There is no life or ideal to talk about.

Summary

This society really wants to rely on passive income and eat interest to make a living, and only when it earns enough 10 million can it be financially free without working and relying on interest. or living in remote mountainous areas, self-sufficient, with money and nowhere to spend;

So if you don't have 10 million and don't want to live in a remote mountainous area, you must work hard and work hard for your future happiness.

You can't make a living like this. The interest rate of Yu'e Bao is getting lower and lower, and 500,000 yuan a day may be more than a dozen yuan.

No, the interest of Yue Bao is not much higher than the bank interest, 500,000 yuan a month is about 1,500 yuan, and it is still difficult to maintain a living.

Such an assumption is not realistic, and it is difficult to make ends meet. According to the current interest rate of Yu'e Bao, the interest of a deposit of 500,000 yuan is about 12,000 a year, and I am afraid that such a small amount of money is not even enough for rent, let alone to maintain a living.

The old farmer earns 80 yuan a month, and he can't starve to death, and he puts Yue Bao for 50 yuan, and the monthly income is more than 500. Besides, more than 100 million people in the United States still can't eat, and each person spends less than $3 a day? Less than the top, more than the bottom, okay,

Although 1.5 million seems like a lot, it is a bit difficult or even impossible to live on interest if you want to live on interest. Now Yu Bao.

The interest is an annualized rate of return.

About, simply calculate the account, your deposit is 1.5 million, then the annual interest is about 25,000 yuan, this money, if you rely on the interest and want to live is really a little difficult, a month is 2000 yuan, in a small county may not be enough to live, let alone think about going to a big city.

In the past few years, the initial annualized income of Yu Bao's interest rate can reach about 4 percent, and the 1.5 million interest at that time can also have 70,000 or 80,000 yuan a year.

If you have 1.5 million, then you can normally get a more stable income through other capital investments, so that you can have some additional income increase when you work, which will improve your life happiness index. For example, many banks now have some stable capital guaranteed wealth management products.

The principal of 1.5 million will not change, you can choose the time of deposit according to the actual situation, and when the time is up, the principal and interest of the deposit will be paid directly to you, so that you can increase the short-term income, which is much higher than Yu Bao.

If you don't want to touch this money for a long time, you can also buy some large long-term bonds through the bank, such as treasury bonds or other financial products, and you can get a certain amount of money through long-term holding, and the income of wealth management is much higher than that of Yu Bao. Or there are some short-term investments and the like that you can also choose, but there will be certain risks.

About 1.5 million, if you put it in Yue Bao, there will be nearly 100 yuan a day, in fact, as long as you don't spend much, you can always eat interest, enough for living expenses.

Yes, the interest of 1.5 million basically solves the problem of food and clothing, but if you want high consumption, it should not be satisfied.

First of all, it depends on where you live, if you live in a third- or fourth-tier city, the interest of Yu'e Bao's 1.5 million yuan is not particularly high, and it is indeed not enough for daily life.

It's not enough, and this little interest can starve you to death.

Do you know how low the interest rate is now? The low ones are pitiful, whether it's Yue Bao or WeChat change, the interest is high, 300,000, more than 7,000 yuan a year, depending on where you live, you have to go to the countryside, it is estimated that you can maintain food and clothing, and you have to say that you don't have to support your wife and children, just your brother, there is a house, and land, or that little money is not enough.

You don't have to think about living in the city, not to mention a year's consumption, let's just talk about autumn, heating expenses, property fees, seasonal clothes, a small 5,000 yuan went in, you have to say that your 300,000 savings in the treasure, keep the autumn payment, a year's living expenses, it is really a dream.

I advise you not to put Yue Bao if you have 300,000 yuan, the interest rate is too low, you deposit in the bank, don't look for the four major banks, find other small banks, for example, I deposit in Jinzhou, the highest interest is, low also, threeThe interest of 100,000 yuan is 12,000 yuan, the average monthly is 1,000 yuan, and the average daily living expenses are 33 yuan and 3, depending on how to live, steamed buns, pickles, and porridge, you can't starve to death, really. More than 7,000 is a bit of a stretch.

Now 300,000 yuan is not as good as 10,000 yuan 30 years ago, think about the current house, although the price has been reduced, any set is also 100,000 yuan, are you saying that you don't have to buy a trolley? What is gasoline**, soybean oil is not as expensive as him, and he is raising a childNot to mention 300,000 deposits in the bank, you can't lie at home and do nothing if you put another 300,000 yuan in your zero.

I have a friend who lives like this, two houses, rented out, rents a house in Haikou, living expenses are enough, there is extra money, part of the pension, there are savings at home, and interest, the money saved every year is fixed for the grandson as an education**, people are called doing nothing, the interest is enough to live, don't think about your 300,000, work hard, there are too many places that need money.

If you want to do nothing, be a rice worm at home, at least you have to fill the rice jar, 300,000 is just a bottom.

Whether you have enough to live on can only be determined by your daily expenses.

Let's take the current income of Yu'e Bao, so the interest of one month is, not much, and you don't do anything at home every day, so there are two situations.

First, are you burdening the daily expenses of your family, such as eating, drinking, sleeping, firewood, rice, oil, salt, sauce, vinegar and tea, if you say that you are responsible for these things, even if you are the only one who lives, then you are simply joking, the average living expenses for a day are almost 23 yuan, I think this is still too little for a person to live, if it is enough to live, then to what extent do you have to be poor.

Second, if you don't have any expenses at home, you don't have to be responsible, and the more than 600 is just your usual pocket money, then this must be enough, because you don't have to worry about food and housing, life problems, you just need to buy things and the like, you can live well without buying these things.

If you have 300,000 yuan in your hand, you can operate financial management on your mobile phone. Depending on when you want to spend your money, you can choose different ways to manage your money. For example, I can buy a fixed term for 360 days for 100,000 yuan, with an interest rate of a little more than 5 percent, and a year interest of 5,000 yuan.

In addition, 100,000 yuan for 30 days is bought, and the interest rate is about 4000 yuan a year. You can also buy it for 7 days, with an annual interest rate of about 3.4 percent, and a profit of 3,400 yuan a year. A total of more than 12,000 yuan is earned 1,000 yuan per month, which is enough for one person's living expenses.

In addition, each type of wealth management can also be automatically renewed or not renewed, which is very convenient. Mobile banking is convenient. If you feel that the money is not suitable for regular periods, you can buy ** because the balance treasure is too low, basically higher, you need to apply for money today, and you will also go to the balance treasure before 24 o'clock the next day.

In the past, the surplus money was deposited in the bank, the interest rate was low, and if it was saved for a year or several years, there was almost no interest in advance. And I also queued up at the bank, and I went for a day. Now it's so convenient that you can do a lot of things without leaving home.

With this tool, you have to learn to use it, and you don't have to be a pity.

It is definitely not enough, the interest of this Yue Bao is not fixed, sometimes it will decrease, and sometimes it will increase. It is not a long-term fixed income.

If your life is only kept at the minimum consumption level, then the money can be used enough, basically 300,000 yuan a day can reach about 18 yuan.

Not enough, I bought 4% of the capital guaranteed financial management, a little better than Yu Bao, and other **** can not be compared, when it is good, it is less than 30, twenty-seven or eight or so, unless you are frugal, do not go out, do not get sick and do not spend money.

The actual interest of 300,000 yuan is almost ten yuan a day. It's enough to live, and the white-flour steamed buns can be eaten. You can also put two bags of Fuling mustard.

Now the 7-day annualized income of Yue Bao is about that, if you put 300,000 yuan in Yue Bao, it will be 650 a month, do you think you can live enough with 650 a month? That's just enough to live in the countryside, I think.

Not enough to live. Put it in Yu'e Bao, which is the approximate currency of the current annual interest rate**, it is less than 10,000 a year, and it is definitely not enough to live every month.

I tried it, and I saved 200,000 yuan in Yue Bao, and the interest was only about 10 yuan a day, even if it was 300,000 yuan, it was 15 yuan, how could it be enough? It's just to put 1 million, it's 50 yuan a day, if you have a house, and you don't have to spend money on water, electricity and gas, 50 a day seems to be able to really live. I suggest that you save about 10 million yuan in Yu'e Bao, and you can have an income of 500 yuan a day, and you can live a good life.

It depends on how much interest the money can have each month. And to sum up how much you spend each month, you have to know these things yourself, and other people's monthly expenses may not be the same as yours.

Inadequate. 10,000 yuan is 6 cents a day, and 300,000 yuan is 18 yuan a day. More than 500 a month. What can you do?

Of course, it is not enough, and it is not necessarily enough for more than ten yuan of pocket money a day.

It's not enough to put 1 million, and 10,000 yuan a day is the income of six cents. 300,000, less than 20 yuan a day. Put 1001000 days and 60 If you talk about life, you have to save flowers.

Yu Bao is now 10,000 yuan with an interest of less than 0,4 yuan a day, 300,000 yuan a day or so, about 12 yuan a day, on the headlines, Shanghai Auntie Bao bought two green and spicy 5 yuan, bought half a catty of beans 10 yuan, less than 12 yuan a day, how can you survive? Maybe you can live for seven days with just tap water.

Enough is enough, you're single. Enough to eat.

It's enough fart, I let go of 300,000 in Alipay a few years ago, and it's about 600 per month

Yu Bao's current daily income is much lower than WeChat's change, but the advantage is that there is no charge for withdrawing cash from Yu Yu Bao, and the current daily income fluctuates around five cents per 10,000 yuan, and the rest will be calculated by yourself!

Your dear friend, do you have 300,000 RMB? If you really have 300,000 yuan, then you might as well listen to me give you a warm suggestion. You put your 300,000 yuan with me, and I will give you 300 yuan of interest every day, and from now on, I guarantee that your life will be carefree.