After National Day, many places have been blocked and controlled due to public health incidents. The nature of someone’s work and work content determine that their ability to work from home through the Internet will not greatly affect their income. Some people need to deal with p

After National Day, many places have been blocked and controlled due to public health incidents. The nature of someone’s work and work content determine that their ability to work from home through the Internet will not greatly affect their income. Some people need to deal with people's jobs. When they encounter such a situation, their income may be greatly reduced or even completely cut off. They can only rely on savings to make a living and live a waste of money.

Some people fantasize that if they can have a lot of capital, they can get 3,000 yuan in passive income every month by relying on deposits and financial management alone, and use it to cover or subsidize living expenses, how great it would be! So, how much principal is needed?

Calculate

Whether it is deposit or financial management methods, most of them are calculated based on annual interest rates or annualized rate of return. Therefore, it is necessary to convert 3,000 yuan of monthly passive income per month into 36,000 yuan of annual passive income.

principal = return/interest rate. When the return is certain, if you want to reduce the principal as much as possible, you need to enjoy a higher average interest rate level.

Bank time deposits, large deposit certificates of deposit are fixed interest rates products. If you deposit them and hold them on maturity, you can enjoy the agreed interest rate level. Nowadays, deposit interest rates are generally relatively low, and it is rare for depositors to find a 5-year large-denomination certificate of deposit with an interest rate of 3.9% in banks. 36000/3.9%≈923077 yuan. According to calculations, it is necessary to have a principal of nearly 930,000 yuan. Obviously, for the general public, this is not a small number. The interest rate of

5-year savings treasury bond is only 3.22%, which is lower than 3.9%. The principal required will only be more than the above 930,000 yuan, and it will cost 1118,012 yuan. However, electronic savings treasury bonds pay interest every year, which is more frequent than the interest payment of fixed deposits or large-denomination certificates of deposit that pays principal and interest after maturity, and is easier to subsidize living expenses with interest.

increases passive income

. The returns of bank wealth management products, insurance, funds and other methods are unstable, and the rigid redemption has been broken at present. Although it is possible to obtain a very high rate of return in depositing it, it is also possible to lose money. Depositors need to have a certain risk tolerance and basic financial management knowledge before they can deposit it.

That being said, in today's low interest rate environment, if depositors have relatively few deposits and are determined to cover living expenses with passive income and want to enjoy more than 5% profitability, it is difficult to achieve bank deposits alone. It is necessary to properly introduce some safe value-added methods in addition to deposits.

If you want to increase the overall rate of return now, you can appropriately introduce some R1 to R2-level bank wealth management products, pure bond funds, Yu'ebao and other methods, which are relatively stable. If depositors have little risk tolerance, they can also choose structured deposit , which has guaranteed principal and no interest, to obtain a higher interest rate.

In addition, as one of the three main drivers to drive national economic growth, the foreign trade industry has always been escorted by the country's series of foreign trade stabilization policies. It can also use the agency sharing policy of some foreign trade economic platforms to tilt the agency sales sharing policy. 300,000 yuan can get 3,000 yuan per month for commodity profit , which can effectively reduce the required threshold and reduce the difficulty of implementation.

Generally speaking, the deposit interest rate is relatively low at present. If a person does not have much deposit and wants to achieve financial freedom of relying on passive income, it is difficult to achieve just based on deposits. You might as well gradually introduce some safe methods within the scope of your own risk tolerance and gradually accumulate experience in order to live on deposits and financial income a day, and be less affected by unexpected factors such as blockades and other economic factors.