The bank deposit is 654.38+0 million. I don't want to work, I just eat interest. If my living standard is not high, these benefits are enough for the elderly.

Bank deposit 1 10,000, bank deposit certificate can be considered, and the annual interest rate can reach 4%. Some banks can pay interest on a monthly basis, so that 40,000 yuan of interest is recorded every year, with an average of 3,333 yuan per month. If your living standard is not high, this money is enough for your old age.

At present, the average pension of retirees in enterprises in China is about 3,000 yuan, and the average pension of retirees in institutions is about 4,000 yuan. In this way, if the monthly interest reaches 3333 yuan, it will reach the average pension level of retirees in China.

If you have a house and buy food and cook by yourself, the interest income of 3300 yuan a month is enough for the elderly. Daily water, electricity, heating and other expenses, about one month in 300 yuan, a month 1000 yuan of living expenses is almost the same, and the daily living expenses in 30 yuan are enough for meat, eggs and vegetables. In other respects, if you buy a few clothes a year, about 2000 yuan will be enough. If you can save some money, you can travel nearby every year, so the interest income of 40 thousand a year is basically enough for the elderly.

Of course, if the living standard is high, or the price rises a lot, then the interest income of 654.38+00,000 may be a bit insufficient. Then you should continue to work hard and save as much as possible, such as 5 million deposits, so that you can earn 200 thousand interest every year, which is enough for your retirement.

To sum up, the bank deposit is 6,543,800 yuan. If you don't want to work, you just have to pay interest. If the requirements are not high, these interests are enough for the elderly.

Hello, friends, realistically speaking, 654.38+00000000 yuan is too serious as an investor in the topic. With the development of the times, there are 6,543.8+0,000 times of interest. One is that the standard of living cannot be guaranteed, and the other is that the principal will be eaten up sooner or later. It is more appropriate to work hard and reasonably arrange this 6.5438+0 million.

First of all, let's find out how much interest100000 can get, and the per capita salary:

65,438+0,65,438+0,000,000 yuan If you deposit a large deposit certificate, according to the current market, the annualized interest rate is about 5%, then: 65,438+0,000,000 yuan 5% annualized interest rate = 50,000 yuan/annual interest rate 65,438+000.

2, the current per capita wage is not what it used to be.

This is statistical. /kloc-the average income of employees in private enterprises in different regions in 0/9: the eastern region is higher than 60,000, and the northeast region is the lowest, with an average of less than 40,000.

3, CPI index is the price increase:

As shown above, it will be 2.5% in 2020. If so, you have 1 10,000 in 19, so his actual purchasing power in 2020 is: 975,000 yuan. Shrinking 1 1,000,000 yuan, 2.5% = 25,000 yuan. If it remains unchanged, 10 will shrink by at least 250,000, and the 40-year principal will be gone. Combined with practice, it is very likely that it will happen soon in less than 40 years.

Summary: Based on the analysis of various factors, if 1 10,000 people reach retirement age, they can live well by saving money to eat interest.

If you are still young, for example, you just joined the work in your twenties, and you want to rely on the savings of 654.38+00,000 to eat interest for the elderly, I am afraid it is unrealistic.

Secondly, based on reality, rational planning, more stable and reliable pension, happy life:

1, find a job or do something by yourself to maintain a normal income life.

2. Participate in endowment insurance. If you work, the unit will have something to do by itself. If you use this 654.38+0 million, you will take out a small part to buy a good guarantee for the future. Because social security medical insurance has the nature of national compulsory welfare, it is dynamically adjusted and can provide stable protection.

Make a plan and save the remaining half for saving. Take out some to invest and manage money. Wealth growth fights inflation and improves life.

Conclusion: I still have to work, and then make rational use of this 1 10,000 to live a well-off and stable life.

To sum up:

With the development of the times, I support myself with 654.38+00,000 deposits and do nothing. I feel that gambling on life is not reliable.

Work normally and integrate into society. Then reasonably arrange this 6.5438+0 million to live a more stable and worry-free life.

If it is a deposit of 654.38+00,000 yuan, there is no other cost, and it can be calculated now, and it will be known whether the income from bank deposits can support the elderly.

According to the current normal interest rates of banks, the benchmark interest rates for three years and five years are 2.75%, and the deposit interest rates of some small and medium-sized banks can reach the range of 4%-5%. The smaller the bank, the higher the interest.

Let's compromise and calculate at an annualized interest rate of 4.5% based on a five-year deposit period.

1000000 * 4.5% = 45000 yuan. The monthly income is about 3750 yuan. Such income is a level of food and clothing in third-tier cities.

For example, Hohhot is a third-tier city. In 2020, the social wage is about 6000 yuan, and the income of 3750 yuan can't reach the social wage, so it is a level of food and clothing.

Fortunately, once people enter the state of providing for the aged, the demand for materials is not so strong, and this money is enough for basic old-age care.

In a city like Hohhot, the daily cost of food and clothing for a month is about 3,000 yuan.

Therefore, in third-tier cities, the deposit income of this money can support the elderly. But there can be no other expenses. If you want to improve the quality of life, take part in domestic tours or have more social activities every year, money will be stretched.

Bank deposit is the most common financial management method, which is characterized by high security and low income.

654.38+0000 cash, plus bank interest, what is the interest for one year?

Let's figure out, the interest rates of different deposit products of different banks are different, so let's calculate it at an annualized rate of 3.5%, which is higher than the interest rate of five-year time deposits.

654.38+100,000 principal, with an annual interest rate of 3.5% and an annual interest of 35,000, with an average of almost 3,000 yuan per month.

In 2020, China's per capita disposable income will be slightly more than 30,000 yuan. Therefore, the interest income of 36,000 yuan a year is still above the average, and it is undoubtedly possible to survive.

Life is ok, but what about the quality of life? Obviously, a monthly income of 3,000 yuan can't guarantee the quality of life, but can barely maintain the most basic life. Big things and small feelings may not be enough.

As for whether you can support the elderly, this is theoretically possible, but there are many uncertainties in the future. In fact, it is really hard to say whether it can be reliable.

Here is a reminder to those who want to save money for their old age. Unless you have enough wealth, you'd better not have this idea. Pay social security in a down-to-earth manner. When you get old, 100% can only rely on the pension.

In short, relying on the interest of 6.5438+0 million yuan to support the elderly is barely possible in theory. In fact, there are many uncertainties.

1 10,000 yuan is deposited in the bank, and the monthly interest is about 4,000 yuan. Of course, this 4000 may not let you withdraw, but it may be a one-time withdrawal at maturity. If you want to withdraw it on a monthly basis, the interest may not reach so much.

With a monthly income of about 4000 yuan, I'm afraid it's not enough to provide for the aged.

Let's settle the accounts first!

At present, the annual interest rate of time deposits in some banks is about 3%-4%, and the annual interest of 1 10,000 yuan is about 30,000-40,000 yuan, which is about 3,000 yuan per month, which basically meets the daily expenses in later years. If you still have medical insurance, you will basically use the interest of 654.38+0 million to support the elderly at the current price level, which is not a big problem. After all, many people now earn about 3,000 yuan a month and can't live a good life.

Look at the pensions of many ordinary people now, more than one month 1000. This 1000 yuan may not be able to fully feed the elderly, but it is also an important part for them. I have an uncle, that is, at least 1 000 yuan will be credited to his account every month, and then he will find a job as a security guard with a monthly salary of 2,000 yuan, which adds up to about 3,000 yuan. You don't have to worry about eating and drinking in third-and fourth-tier cities.

You have to understand that for many people, a pension of two or three thousand yuan a month is already a very good income, especially in third-and fourth-tier cities, and you still have 6.5438+0 million deposits. I think few old people have so much money in their hands. When they were young, their income was definitely not low, with a monthly salary of at least tens of thousands or more.

Therefore, eating interest can completely support the elderly!

The bank deposit is 6,543,800+0,000. Can you support the elderly with interest? My answer is that I can definitely support the elderly! ! ! The monthly interest is about 4000 yuan, and the basic living expenses cost more than 4000 yuan, which is basically no problem! ! ! According to the current bank interest rate and consumption level, as long as you live in the fourth-and fifth-tier cities, you can still live in luxury, but with the development of society and the improvement of living standards, you will find that money is increasingly insufficient. You can compare 10 years ago and now. What will 10 years later look like? So I suggest you pay social security, work hard, manage your own funds and live your own life! Come on!

If there is 6.5438+0 million yuan, many people think that interest is enough for the elderly. In fact, it is far from reliable to pay social security and provide for the aged.

/kloc-how much profit can 0/00000 bring each year?

At present, if 654.38+00,000 yuan is put into bank time deposit, the interest rate of big banks is generally between 3.3 and 3.575%.

If you buy a three-year certificate of deposit, the interest rate can reach 3.85~4.2625%.

If we buy government bonds, electronic savings bonds pay interest every year, with a three-year interest rate of 4% and a five-year interest rate of 4.27%.

In some places, the deposit interest rate of small and medium-sized banks can reach above 5%.

Bank wealth management products, 3-5 years long-term products, the yield can reach 4-5%.

Monetary fund, the yield is only between 2~2.8%.

Bond funds, the yield can reach 5~6% or even higher, but there are also risks.

Equity funds, the yield from 20 19 to1~ April is 20~30%. However, it will lose money and is not suitable for the allocation of pension assets.

The average is 6,543.8+0,000 yuan, which can bring us 40,000 to 50,000 yuan a year. According to the yield of 4.27% of 5-year treasury bonds, the annual income is 42,700 yuan and the monthly income is 3,558 yuan.

The problem is that this income is constant every year. The economy and society are constantly developing, and this part of income is definitely depreciating every year.

Payment and treatment of endowment insurance

At present, participating in the basic old-age insurance generally refers to the basic old-age insurance for employees. Pay by participating in the insurance of flexible employees, but there is no one-time payment, only monthly payment.

From 2065438 to 2008, the single payment of old-age insurance in Qingdao was calculated at 60% of the minimum base, and it was 637 yuan per month. If the payment is based on 100%, it can reach 106 1 yuan. If you pay according to the base of 300%, it will be 3 183 yuan per month.

In fact, the annual payment is based on the average social wage of the previous year. If the payment is always based on 100%, the amount paid will increase by 8~ 10% almost every year.

According to the annual wage growth rate of 8%, after 15, our wage level will be 3. 17 times.

According to the national unified basic pension calculation formula, our basic pension is linked to the average social wage. If the personal account bookkeeping interest rate can reach the growth rate of the average social wage, in fact, the personal account pension can also be linked to the average social wage.

From the year of 20 16, the interest rate of individual account was released by the state, which was 8.3 1% in 20 16, 7. 12% in 20 18 and 8.29% in 20 18.

Through calculation, you can get 25.36% of the average social salary in the last year of retirement by paying 15. If you pay for 30 years, you can get 50.72% of the social wage.

The average social wage in Qingdao in 20 17 years is 5309 yuan, 15, which will reach 16 after 800 yuan. If it rises for 30 years, will it rise to 40,000 to 50,000 a month? Of course, it is unlikely. After all, the bigger China's economy is, the greater its growth rate will be, and everyone's wage increase will slow down. It is cost-effective to link it with the average social wage.

After fifteen years, the retirement benefits will reach 4,270 yuan, which is more than 50,000 yuan a year. And this 15 payment needs to pay about 400 thousand.

You can get your principal back in less than eight years. In fact, the pension will increase every year after retirement, with an average increase of 5-6% in recent years.

Generally speaking, when we retire after paying 15, we can get back the principal in seven or eight years, and all we get in the future is interest. According to our average life expectancy of 76.7 years, it is certain to make a steady profit without losing money. No lesbian retires at 50. 20 12 Ministry of Human Resources and Social Security said that the average retirement age in China is only 53 years old.

What is the treatment for premature death?

Some people like to quarrel. What if they die soon after being insured? Won't you lose money by paying endowment insurance?

No loss, equivalent to the parties. The death of the client must be a loss, but everything is meaningless. What we want to protect is the possibility of future treatment, which is the true meaning of insurance.

In fact, after the death of the insured, there are still many treatments. Shandong province has four parts of treatment: personal account pension balance, funeral expenses, one-time pension subsidies, and difficulties in supporting relatives.

You can enjoy the above four parts if you retire. If you don't retire, the subsidy for supporting relatives' living difficulties should be borne by the employer, and no one will pay.

If the payment is less than 15 years, the one-time pension and relief fund shall be paid according to115 years. The corresponding treatment is 10 month's social average salary.

Through the above calculation, we can know that if you pay 654.38+0 million old-age insurance, there will be at least 600 thousand left. Isn't it better to supplement the old-age insurance? It can also cope with various diseases and expenses.