存款达到多少，就可以靠利息生活了？我来给你算笔账

Core Viewpoint - The article discusses the challenges and calculations involved in relying solely on bank interest for living expenses, emphasizing the need for substantial savings to achieve this goal [1][3]. Group 1: Savings and Interest Rates - Bank deposits are considered a conservative and low-risk investment option, but their interest rates are generally lower compared to other financial instruments [1]. - For basic living expenses, an individual would need to save a significant amount of money, with estimates suggesting that to earn an annual interest of 39,218 yuan, one would need to deposit approximately 1,961,000 yuan in a savings account with a 0.2% interest rate [3]. - Different types of fixed-term deposits offer varying interest rates, with one-year deposits yielding 1.45%, two-year deposits at 1.65%, three-year deposits at 1.95%, and five-year deposits at 2% [3]. Group 2: Alternative Investment Options - Smaller banks often provide higher interest rates, with five-year fixed-term deposits reaching around 2.3%, requiring a deposit of about 1,700,000 yuan to achieve the same annual interest [5]. - Large certificates of deposit typically offer better rates than standard fixed-term deposits, with an average rate of 2.8%, allowing for a deposit of approximately 1,400,000 yuan to earn the desired interest [5]. - Other investment channels such as bonds, mutual funds, and treasury reverse repos are suggested as alternatives to bank deposits, despite carrying slightly higher risks [5]. Group 3: Financial Planning and Uncertainties - Relying solely on interest income for living expenses is challenging due to unexpected costs such as medical emergencies and inflation, which necessitate a larger savings buffer [7]. - A clear financial plan and wise investment choices are crucial, as focusing solely on returns without considering risks can lead to financial instability [7]. - Continuous effort and income generation through work or entrepreneurship are essential for achieving a stable and desired lifestyle, as savings alone may not suffice [7].