Nowadays, many people think about how much deposits owned to "rich people".Some people think that as long as the deposit exceeds 10 million or more, even the rich.Some people also feel that if there are more than 100 million deposits in the country, they can be regarded as rich people.If measured according to this standard, I am afraid that the proportion of domestic "rich people" will be very low.However, as a "rich person", there must be no debt, and all sectors of society have reached consensus.
and how much deposits have to be considered the problem of "rich people". Some insiders said that "rich people" in China in China It will also be divided into four levels. As long as the family deposit reaches any of these four levels, it can be regarded as "rich people", but the degree of "rich" is not the same. Lets analyze it together:
The first is, a well-off family
my country now per capita per capita The deposit is nearly 100,000. If it is a family of three, the average family deposit reaches 300,000.If your family deposits exceed 300,000 (the standard for the average national deposit in the country), even a well -off family.You know, the deposit of most families across the country is lower than the average level of 300,000.
The reason why it is said that the deposit reaches 300,000 families is a well -off family.The main reason is that after these deposits, you can deal with short -term unemployment and disease emergencies.In most cases, you dont have to borrow money from others.
The second is the middle-class family
If ifYour family has more than 500,000, even if it is a middle -class family.The main reason is that the central bank has previously stipulated that as long as the deposit+interest is less than 500,000, if the bank bankruptcy is bankrupt, it can get full compensation.It can be seen that there are not many families with more than 500,000 domestic deposits.In fact, according to data released by the central bank, domestic household deposits exceeded 500,000, accounting for only 0.37%of the total family.If your family deposits exceed 500,000, you dont have to worry about short -term unemployment and disease, but you dont have to worry about the elderly in the future. You can use this deposit or interest to supplement your family.
The third is the financial free family
> 34r8nef5 ">If your family has more than 1 million deposits, even the financial free family.It is not an exaggeration to say that it is basically impossible to save 1 million.Families with more than 1 million deposits now are mainly small business owners, freelancers, individual industrial and commercial households, state -owned enterprise executives, etc.
The reason why it is considered that 1 million deposits can achieve financial freedom, mainly if the average monthly expenditure of a familys monthIt takes nearly 17 years.If you save some flowers, it takes 20 years to spend the one million.For a family, there is no need to worry about life problems for a long time.
The fourth is, high net worth families
If ifYour family deposits are more than 5 million, even if it is a high -net -worth family.High -net -worth families are mainly composed of large and medium -sized enterprises owners, residents of first -tier cities, large shareholders of listed companies, and large enterprise executives.Such high -net -worth families do not have to worry about daily life, but they have to worry about how to keep asset preservation and appreciate.
And, like a family with more than 5 million, it is usually invited by banks to join private banks. Professional financial managers will customize investment for you according to your aversion to risks.Financial plan.The purpose is to maximize investment income when minimizing investment risks.
In fact, there are not many families that can meet the above four standards.Yes: First, the social wealth is mainly concentrated in the hands of a few people, and most of the family deposits will not be many; second, high house prices have led to many families with all their savings, and they owe banks for decades of mortgage.Third, the income of domestic people is not high, and it is good to maintain daily expenses. It is difficult to save a lot of deposits.
