How much is the average household net worth in China 5

When a family's net worth exceeds 10,000 yuan and the annual family income exceeds 10,000 yuan, it is considered to be among the richest 1% of families in China.

According to the "China Family Development Report" released by the National Health and Family Planning Commission, there are about 100 million families in China, so it is estimated that only a few million families in the country belong to this 1%.

The richest families work.

1. Resource allocator.

We all know that resources are scarce, and those who can effectively allocate resources (money, time, information, etc.) have the most say. For example, there is a small company that negotiates a single project of 3 million, deducting various expenses, and 2 million, and then the 10 members of the team get an average of 100,000 each, and the remaining 1 million goes to the boss.

Many employees are not convinced: they are obviously better at business than the boss, why should the boss only drink soup when he eats meat? In fact, in a team, only the allocator of scarce resources such as contacts and funds has the right to decide, and his value has long reached the point where there is no need to discuss the level of substitutability, so it is natural to obtain the largest part of the overall profit.

2. Be good at using "life leverage".

As we all know, financial leverage is to borrow other people's money to amplify their own earnings, and "life leverage" is to use your own 24 hours to leverage other people's 24 hours. 1% know how to use the physical and mental power of others to achieve their goals, rather than doing it alone. If you want to leverage more resources, you must learn to use the "life lever", so that you can get more benefits exponentially.

4.88 million.

The number of households with more than 6 million net assets in China is 4.88 million, and the number of families with 10 million net assets is about 2 million, which is equivalent to a decrease of 720,000 for every additional net worth. There are not many households with 2 million deposits and cash flow, because in the past few years, the concept of financial management is that whoever has a few houses is glorious, and whoever has cash deposits will depreciate.

Therefore, there are a few suites that are common, and there are not many that have so much cash. How many suites do matter and are a symbol of wealth! But the key is to realize, according to a data analysis, the success rate of real estate is only 5%, and only five of a hundred properties on the market can be turned into money!

How poor the liquidity is! At present, China's vacant housing stock has reached an astonishing 65 million units, and what you can sell is money, and what you can't sell is bricks and cement (except for self-occupation and rental).

Families can't take out the money when they are in a hurry! Of the three elements of household asset allocation (safety, value preservation, and liquidity), the most easily overlooked is liquidity! Friends are advised to pay attention to the liquidity of assets and have part of the cash flow of deposits.

For real estate that is not easy to realize, antiques, jade, calligraphy and paintings, etc., it is necessary to choose and hold them reasonably. In January 2019, the IIT app on mobile phones was very popular, and the IIT declaration and verification will become more and more stringent. If you feel deeply about the new personal income tax, what about the property tax in a few years?

The cost of holding a property will be higher. It's not going to be funny.

There is a fable to celebrate the age of one is very inspiring: in the blazing desert to get out alive, it takes ten days, you have two bags in front of a person can only choose one of them, one bag contains 20 kilograms**, one bag contains 20 kilograms of water, if you choose **, you are a multimillionaire, but you can't get out of the desert! If you choose water, you can get out of the desert, but you will be destitute!

At this special moment, is the most valuable ** still worth it? First of all, we must calculate the income of each city where the Chinese live, and we can roughly calculate whether there are 2 million deposit-saving households in China accounting for the majority or the minority.

Legal analysis: the standards for well-off, middle-class, and high-yield are 8-150,000, 15-800,000, and 80-1 million respectively.

Legal basis: Constitution of the People's Republic of China

Article 6 The basis of the socialist system of the People's Republic of China is the socialist ownership of the means of production, that is, the ownership of the whole people and the collective ownership of the working masses. Socialist public ownership abolishes the system of exploitation of man by man, and implements the principle of each according to his ability and distribution according to his work.

In the initial stage of socialism, the state adhered to the basic economic system with public ownership as the mainstay and the common development of economies under various forms of ownership, and the distribution system with distribution according to work as the mainstay and the coexistence of various forms of distribution.

Article 7 The state-owned economy, i.e., the socialist economy owned by the whole people, is the leading force in the national economy. The state guarantees the consolidation and development of the state-owned economy.

In my country, what is the concept of if your family has 10 million yuan? With assets of 10 million, it is a relatively wealthy family in my country.

According to the data of the Hurun Wealth Report, in 2021, the total number of households with assets of 10 million in China will be about 2.06 million, accounting for about 100 million of the total number of households in the country. That is to say, on average, out of about 238 households in the country, only one family has assets of 10 million, and this data also means that if your family has 10 million assets, then it can be ranked within the top 1% of the country. In terms of proportion, with assets of 10 million, it is obviously a relatively wealthy family in my country.

Guangdong Province, as the largest province in the country, has about 300,000 households with assets of 10 million, but the permanent population of Guangdong Province has reached 100 million. In Shenzhen, there are 10,000 households with assets of 10 million, and the number of permanent residents in Shenzhen has reached 17.68 million. In Guangzhou, there are 10,000 households with assets of 10 million, and the number of permanent residents in Guangzhou has reached 18.81 million.

Shanghai is the largest economic city in China, with about 10 million households with assets, but Shanghai's permanent population has reached 24.89 million. In Hangzhou, there are 10,000 households with assets of 10 million, and the total population of Hangzhou is 12.2 million.

From the above data, it can be seen that even in Shenzhen, Shanghai and other cities with the most developed economy in China, it is not easy to have tens of millions of assets, and the proportion is very small. If it is in the vast third, fourth and fifth-tier cities in China, it may be even more difficult to have assets of more than 10 million.

From now on, if you want to have 10 million assets, if a family purely relies on salary income, then both husband and wife work at the age of 22 and retire at the age of 60, then they need to work for a total of 38 years, so that if you want to save 10 million yuan, on average until the middle of 38 years, you need to save an average of 10,000 yuan per year, and these money is the money left after deducting the usual expenses and paying five insurances and one housing fund. Assuming that the husband and wife spend 100,000 yuan per year, and the annual five insurances and one housing fund and individual income tax are about 50,000 yuan, it will take 38 years for the husband and wife, and the average annual family income needs to reach more than 10,000 yuan, and the average annual income of each person should reach about 10,000 yuan, which is obviously very difficult. And the more difficult thing is that in the past 38 years, both husband and wife must be healthy, and they also need the elderly, children, etc. of both husband and wife to not have serious illnesses or other major events, which is very difficult.

To sum up, assets of 10 million in our country is considered a relatively wealthy family, if you want to save so many assets through work income, then it is very difficult, and only a few families may be able to realize this idea.

This figure is much higher than the net worth of most families, but it may not be too much for some high-net-worth families. It should be noted that the level of a family's net worth depends not only on the total amount of assets, but also on multiple factors such as the family's debt, income level, and expenditure. Therefore, a combination of considerations is required to draw accurate conclusions.

Hello dear, happy to answer for you, and thank you for your patience! The family net worth of 30 million is a relatively high level, which belongs to the upper level. This figure is much higher than the net worth of most families, but it is not too much for some high-net-worth families.

It should be noted that the level of a family's net worth depends not only on the total amount of assets, but also on multiple factors such as the family's debt, income level, and expenditure. Therefore, a combination of considerations is required to draw accurate conclusions.

Is it an upper-middle level or an upper-class level?

Look at the whole of China.

Dear, the upper level.

Can it be said that it is a wealthy family.

OK. What about those with assets over 100 million.

In fact, what China really does is that there are not many people who have so much cash in their hands.

Not to mention 100 million.

Is 1000w and 3000w a grade?

That's definitely not going to go up the next level.

2000w and 3000w too.

That's not a notch either.

In China, a family with a net worth of 30 million and an annual income of 1 million is considered a wealthy family if the number of family members is not large. Because the development status of each country is not consistent, there is no universal standard in the world.

So, what you have is enough to be envied.

First of all, in my opinion, if the family net worth reaches 15 million yuan, it can be regarded as the top level in the country, and it can be said to be the level of 110,000, although we often think that 15 million is not a lot of money, but in fact, in real life, not many people can reach such a net worth.

1. The family net worth is 15 million, which is the top level in the country.

Why? Because most people's incomes in the country are still at a low and medium level, I remember I once read a data, now 80% of the country's post-90s people are in debt of more than 40,000 yuan, you can imagine what kind of concept this is, which is equivalent to this generation of young people themselves are not much savings. When we receive the net worth of the family, we need to fully consider the actual situation of this generation.

As for the family net worth of 15 million yuan mentioned by the subject, this situation generally occurs in first-tier cities, and there are only a group of residents in first-tier cities, and more people are the majority of second-, third, fourth, and fifth-tier people. <>

Last year, I saw a news, so far half of China's population has a monthly income of only 1,000 yuan, you can imagine a monthly income of 1,000 yuan, which means that the annual income is only 10,000 yuan, which still accounts for hundreds of millions of people. For many people living in first-tier cities, they think it is a normal situation when they see 15 million yuan, because a house may be worth so much money, but for more ordinary people, 15 million yuan is unthinkable. <>

Third, be sure to pay attention to survivorship bias.

Why do we mention survivorship bias, because each of us will judge according to the actual situation of our own circle, when the circle around us is full of some very good and rich people, we will think that 15 million yuan is not a big problem, but the real situation is that the family net worth of 15 million is really a very top existence. <>