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My answer is: at least 3 million! I have just inquired about the annualized rate of return of Yu'e Bao in the past seven days, and it can be said that the yield of Yu'e Bao as of November 2018 is not as high as the regular one-year interest rate of some local banks.
Expect to save Yue Bao to eat interest every day to live, after all, the interest rate is too low, and the principal of a little bit is definitely not enough, and you must save a large amount of money.
It costs about 50 yuan for one person to eat every day, about 150 yuan for a family of three, and about 10,000 yuan for an ordinary family to eat, dress, property, water, electricity, entertainment and other expenses a month. For a family with a higher consumption grade, there are more than 50,000, and if you survive by Yu'e Bao, if you have 3 million, the expected interest income per day is:
3,000,000 yuan.
The expected income of a month is yuan, in fact, this income is relative to the salary income of an ordinary office worker for a month. However, the income of Yu'e Bao is too low, and the rich man who really has 3 million will not easily put it in Yu'e Bao and ignore it, and will definitely invest in financial products.
Just like some large-amount certificates of deposit, wealth management products, fixed deposits, private banks, structured deposits, smart deposits and other wealth management products, all of which have higher returns than Yu'e Bao, since the income is high and the liquidity is not bad, Yu'e Bao is lonely. Don't say 3 million funds, even 300,000 principal is estimated that no one will choose to save Yu Bao, now there are so many financial products to choose from, as long as there is common sense to identify risks, careful choice will not appear risk loss.
Then again, Yu Bao's income is declining, and there is no nirvana worthy of customer nostalgia. I don't know if the annualized yield of Yu'e Bao will pick up in the past seven days next year, anyway, there is no hope for 2018, and there is no sign of rejuvenation. In the past, when the expected income interest rate was 4%, you could make do with the income and live on it, but now it is completely ice slag income.
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You can save about 1 million yuan in Yu'e Bao, and survive by this interest, according to the interest rate of Yu'e Bao, 1 million will probably have an income of about 70 yuan per day, which will actually be completely enough for one person, normal expenses.
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To save about three million. Three million exists in it, and the daily income can be stable at one hundred and fifty upwards, which is enough to survive.
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You have to save at least tens of millions of dollars in Yu'e Bao, and you can survive with interest every day.
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The interest of Ebao is floating, but the range of fluctuation is not large, if you deposit 10,000 yuan, the daily income is about one yuan, and if you deposit it for a year, it is about 360 yuan.
The rate of return of Yu'e Bao is the annualized rate of return or the rate of return per 10,000 shares, and the specific algorithm is as follows: Yu'e Bao income = (your actual funds per 10,000 shares) 10,000, or Yu'e Bao income = 10,000 per 10,000 copies of your actual funds.
For example, the amount on Yu'e Bao's account yesterday is 10,000, then your day's income is (10,000 yuan.
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This year, the daily income per 10,000 yuan is yuan.
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How much Alipay Yue Bao has to save in order to have an interest of one yuan per day, it depends on the yield of Yu Bao at that time.
The yield of 10,000 shares of Yu'e Bao is not fixed, and it will basically change every day, and the income of 10,000 shares is how much money can be charged for 10,000 shares. For example, today's Yu'e Bao's yield of 10,000 shares is, so if you deposit 10,000 yuan, you will get the interest of yuan.
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Third, in fact, there is more than one choice of Yu Bao's current money, if you don't manage your money, inflation money will become worthless, so you must manage your money reasonably, so the income will increase, why not? Otherwise, the money will be left there, and inflation will slowly become less and less valuable. Therefore, when we manage our finances, we should consider safety and risk.
In the case of maintaining a reasonable risk, it is still necessary to make some small investments. The above is a view of how much you can earn in a day if you urinate can be saved.
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The income of Yue Bao is still very low, if you deposit 10,000 yuan in it, the daily income is only 1-2 cents, it is still very cost-effective, it is recommended not to store it in Yue Bao.
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The daily income of Yue Bao is phased, sometimes high, sometimes low. If you save 10,000 yuan, the daily income is about 9 cents, and the highest is also one yuan, not more than one yuan.
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The income of a day is almost about one dollar, and there will not be a lot of income when you put money in Yu'e Bao, Alipay is a consumer software, and Yu'e Bao is not very perfect.
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The annualized rate of return of Yu'e Bao is 2.0 percent, 10,000 yuan is stored in it, and the income of a day is five or six cents, which is okay as a flexible withdrawal of funds.
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10,000 yuan of Yue Bao one's income in one day = 10,000 * yuan; According to the calculation of income per 10,000 shares, the income of 10,000 yuan of Yue Bao in one day = 10,000 10,000 yuan.
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If you deposit 10,000 yuan, you will have a daily income, and now the yield of Yu'e Bao is low, which is higher than the interest rate of bank demand deposits.
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If you save 10,000 yuan, how much will you earn in a day? The interest rate of Yu'e Bao is floating, and you need to look at the interest rate of the day to calculate. Ten thousand a day should not be much.
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The income of a day is about 6 cents, so the interest of Yue Bao is still quite low.
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The income of Yu'e Bao is floating every day, and the current rate of return is calculated as a deposit of 10,000 yuan, and the income will be about 420 yuan after a year.
It is not recommended to deposit too much money in Yue Bao, if you want to preserve the value of your assets, you should choose other financial products, if you want to increase your value, you should choose investments with higher returns and greater risks.
P2P is currently a very popular Internet financial channel, with an annualized rate of return of 6% to 17%, and first-class P2P platforms include Lufax, Renren Loan, Liwang, Building Block Box, CreditEase, Pterodactyl Loan, etc.
Another type of investment with higher returns and high risks is equity crowdfunding, which is a non-guaranteed non-fixed income investment, such as Renrentou, Angel Hui, Everybody, Yuanhui, etc., which is currently the best developed one in the field of equity crowdfunding. Equity crowdfunding has not been developed for a long time, and the number of entrants is not large, and the opportunities are large.
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The income of Yue Bao is calculated on a daily basis. If you spend a portion of your balance that day, then the profit for that day is zero. Earnings of the day = (10,000 confirmed funds of Yue Bao) x earnings per 10,000 shares.
The meaning of 10,000 shares of income is 10,000 yuan a day. If your balance is 10,000 yuan, the income per 10,000 shares on the day is yuan, 10,000 10,000 x yuan. The rate of return of Yu'e Bao fluctuates, but the daily income per 10,000 yuan is generally not less than one yuan.
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If you deposit 10,000 yuan, the income of a year is about 380 yuan, and the annualized rate of return of Yu'e Bao in the last 7 days is, and the income is calculated like this, 10,000 yuan multiplied, which is your annual income
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The calculation formula is daily income = amount 10,000 x Wanhua rate of return, and the Wanhua rate of return of Yu'e Bao is fluctuating, probably fluctuating between. Take 10,000 yuan as an example, your one-day income is 10,000 Assuming that the yield of Wanhua on the day is yuan, but the situation that needs to be explained is that your income on the second day is calculated according to the balance, because the calculation of Yu'e Bao income is in the form of compound interest, which is commonly known as rolling interest, so your annual income should be about 480.
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Meta earnings. Yue Bao Currency** will announce the revenue per 10,000 shares every day. Income calculation formula = (Yu'e Bao confirmed amount 10,000) * ** per 10,000 shares of income announced by the company on the same day.
Yue Bao currency** = 1 yuan per copy, if the income per 10,000 copies of Yue Bao currency** is yuan, then it means that you can get yuan income for every 10,000 yuan in your Yue Bao currency**.
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Now Yu'e Bao has reduced the rate of return, and the income is about 10,000 yuan per day.
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The current Yu'e Bao's daily income per 10,000 yuan is less than 4 jiao.
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It is possible to survive but not to expect a life that is too high. The answer is very clear, the daily interest income of 300,000 yuan after saving Yue Bao will definitely not be too happy. Yu'e Bao can only be a financial product with strong liquidity, and the expected rate of return is not too high.
Besides, the principal of 300,000 is too little, and the interest of 1 million does not dare to guarantee a good life, counting on the interest of 20 yuan a day, if you are interested, you can challenge the limit of survival.
Yu'e Bao's wealth management products, known as current passbooks, are low-risk and low-yield wealth management products, and are the most secure wealth management products. The first few years of Yu'e Bao's advent are very remarkable, the highest annualized rate of return in the past seven days, which is higher than the five-year interest rate of fixed deposits, according to this expected rate of return, the daily expected interest income is 300,000 yuan, even if it is not considered a high yield according to the highest annualized rate of return of Yu'e Bao, only 1,700 yuan a month.
Now Yu'e Bao has been languishing for a long time, and the decline in 2018 is like a child sitting on a slide, not to mention 6%, it has fallen so much that it can't even climb up, maybe next year it is really not as good as the bank's regular one-year interest rate, and even 2% will fall below. It can only be said that it is not loss-making, has strong liquidity, and has a higher interest rate than demand deposits. For example, the annualized rate of return of Tianhong Yuebao** wealth management products in the past 7 days is, and the daily expected income interest is yuan.
If the idle funds in the hand reach 300,000 yuan, the interest rate of the fixed deposit is not as high as that of the Yue Bao wealth management product: the interest rate of the best-selling large-amount certificates of deposit of the four major state-owned banks for about three years can get an average of interest income yuan per day; The five-year interest rate of smart deposits of local commercial banks has an average daily interest income of RMB; The average annualized rate of return of bank wealth management products is about one year, and the average daily interest income is RMB.
No matter which financial management method is adopted, the daily interest of the principal of 300,000 yuan will not exceed 50 yuan at most, not to mention the living expenses of a family, that is, a person's words, eating may be barely enough, enough to survive. Now that the expected rate of return of baby wealth management products is plunging sharply, it is better to find a local commercial bank with a relatively high interest rate to deposit a regular cost-effective.
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300,000 yuan can't get much interest every day, if you only rely on interest every day, it is impossible to survive, or find a job to make a living, there are good projects to invest.
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No. Because Yu'e Bao's income is very low now. Even if you save 300,000 yuan, the daily income is not much, and there is a certain risk, and you cannot survive on the income.
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No, you can't. The income of Yue Bao is not high, 300,000 yuan is about 30 yuan a day, which is not enough for the cost of living.
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If you deposit 300,000 yuan in the balance treasure, can you survive with interest every day?
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