彩票中了1200万，全部存到银行吃利息，是不是这辈子不用上班了？

Core Insights - The increasing desire of the public to buy lottery tickets is evident, with national lottery sales expected to exceed 317.85 billion yuan in the first half of 2025, marking a historical high for the same period [1] Group 1: Lottery Sales and Public Sentiment - The surge in lottery sales is attributed to the difficulty ordinary people face in making money, leading them to seek quick wealth through lottery tickets [1] Group 2: Financial Implications of Winning the Lottery - Winning a lottery prize of 12 million yuan incurs a 20% personal income tax, resulting in a net amount of 9.6 million yuan after tax [3] - A family of three with an annual expenditure of 120,000 yuan could sustain their lifestyle for 80 years with the net winnings of 9.6 million yuan [3] Group 3: Interest Income and Economic Factors - If the net winnings of 9.6 million yuan are deposited in a bank with a 1.55% interest rate, the annual interest income would be approximately 148,800 yuan, allowing for a comfortable lifestyle without working [5] - However, the declining trend in bank deposit rates introduces uncertainty regarding the sustainability of living off interest income [5] - Factors such as personal spending habits and inflation could impact the feasibility of relying solely on interest income for living expenses [5][6] Group 4: Diversified Investment Strategies - A recommended strategy for lottery winners is to diversify their 9.6 million yuan into three parts: 3.2 million yuan in fixed-income products, 3.2 million yuan in low-risk investments, and 3.2 million yuan in medium-risk products [7] - This diversified approach could yield an annual investment return of around 3%, enhancing the potential for long-term financial stability [7]