若拥有500万存款，放在全球是什么水平？放银行能靠利息为生吗？

Core Insights - The article discusses the status of having 5 million yuan in savings in China and its implications for wealth and living standards globally [1][3][4] Group 1: Wealth Distribution in China - In China, there are approximately 5.128 million households with assets exceeding 6 million yuan, which represents about 1% of the total 494 million households [1][3] - Households with 5 million yuan in savings are extremely rare, with the proportion being significantly less than 1% of all households [3] Group 2: Global Perspective on Wealth - 5 million yuan is roughly equivalent to 700,000 USD, placing it at a middle-upper class level in developed countries and a very wealthy status in developing countries [3][4] Group 3: Interest Income Feasibility - The ability to live off interest from 5 million yuan depends on current deposit interest rates; a rate below 1% would make it difficult to rely solely on interest income [4][5] - Currently, a three-year fixed deposit offers an interest rate of 1.55%, yielding approximately 77,500 yuan annually or 6,458 yuan monthly, which can sustain basic living expenses in first-tier cities [5][7] Group 4: Personal Spending Considerations - Personal consumption levels significantly affect the feasibility of living off interest; higher living costs in first-tier cities may render interest income insufficient [7] - Households with 5 million yuan typically consist of high-ranking officials, medium to large business owners, major shareholders of listed companies, freelancers, and residents benefiting from urban redevelopment [7] Group 5: Investment Strategies - It is recommended to diversify asset allocation for better financial sustainability; suggested allocation includes 2.5 million yuan in fixed-income products, 1.5 million yuan in low-risk investments, and 1 million yuan in medium-risk products [7]