**For the past two years, and even more so since the beginning of 2023, the world has been experiencing rising inflation, expressed in the general increase in prices. In this unpleasant context for a portfolio, it makes sense to look for a way to avoid seeing our savings melt away like snow in the sun. To help you project your future, we’ve simulated the gains you could expect by investing your savings at different rates. The selected investments range from $10,000 to $100 million, with yields ranging from 1% to 20%.**

In this article :

- Selecting rates and what they correspond to
- How to calculate the return on an investment
- Monthly interest of $100 million
- Monthly interest of $50 million
- Monthly interest of $40 million
- Monthly interest of $20 million
- Monthly interest of $15 million
- Monthly interest of $10 million
- Monthly interest of $5 million
- Monthly interest of $3 million
- Monthly interest of $2 million
- Monthly interest of $1 million
- Monthly interest of $800,00
- Monthly interest of $500,000
- Monthly interest of $400,000
- Monthly interest of $200,00
- Monthly interest of $100,000
- Monthly interest of $50,000
- Monthly interest of $10,000
- The importance of diversification

## How much will your savings earn: choosing your investment and interest rate

Because we don’t all have the same investor profiles or the same attitude to risk, we’ve selected **several rates **corresponding to **several investments**, from the first savings products available from banks to the most “exotic” investments.

From the most secure to the **most dynamic investment **for your money, this list will help you find an investment to suit your profile, while projecting the **opportunities these investments offer**.

The corresponding rates and investments are as follows:

**1%**: this is the yield obtained at the end of a year with a traditional bank passbook**3%**: an affordable rate with a**diversified life insurance policy****4.5%**: thanks to**REIT****6%**: with**rental real estate****9%**: a long-term**stock market investment**(10-15 years)**20%**: by investing in a**decentralized finance protocol**(DeFi)

By cross-referencing these rates with the savings invested ($50,000, $100,000, $200,000, $1 million and more…), we can simulate potential capital gains.

*Discover the 6 mistakes to avoid before investing your money.*

## Calculate how much your bank and other savings earn each month

We have selected the most sought-after investments: **how much $50,000**, $**200,000**, $**500,000, $1 million, $3 million and $10 million invested per month**.

*Edit: we’ve now gone up to $100 million, so it would seem that there are some oddballs about such sums.*

However, you may have a different capital in mind or in your account.

To help you, here is the calculation method used to determine how much you could earn per month:

- (
**Amount invested in dollars**X**net rate of return**) /**12 months**

**Example**:

If you have **$****51,465 **to invest at **6%**, then :

- ($51 465 x 0,06) / 12 = $257,32

If you invest **$****51,465 at **an annual interest rate of **6%, you **will earn **$****257.32 **per month.

Whether you have $1,000 or **$****1 million to invest in **real estate, stock market shares or life insurance, you can now use this calculation method with any **starting capital**.

## What is the monthly interest of $100 million ?

- With $100 million invested at 1% yields, you will earn $83,000 per month, or $1,000,000 per year
- With $100 million invested at 3% yields, you will earn $250,000 per month, or $3,000,000 per year
- With $100 million invested at 4.5% yields, your will earn $370,500 per month, or $4,500,000 per year
- With $100 million invested at 6% yields , you will earn $500,000 per month, or $6,000,000 per year
- With $100 million invested at 9% yields, you will earn $750,000 per month, or $9,000,000 per year
- With $100 million invested at 20% yields, you will earn $1,660,000 a month, or $20 million a year

## What is the monthly interest of $50 million ?

- With $50 million invested at 1% yield, you will earn $41,666.67 per month, or $500,000 per year.
- With $50 million invested at 3% yield, you will earn $125,000 per month, or $1,500,000 per year.
- With $50 million invested at 4.5% yield, you will earn $187,500 per month, or $2,250,000 per year.
- With $50 million invested at 6% yield, you will earn $250,000 per month, or $3,000,000 per year.
- With $50 million invested at 9% yield, you will earn $375,000 per month, or $4,500,000 per year.
- With $50 million invested at 20% yield, you will earn $833,333.33 per month, or $10,000,000 per year.

## What is the monthly interest of $40 million ?

- With $40 million invested at 1% yield, you will earn $33,333.33 per month, or $400,000 per year.
- With $40 million invested at 3% yield, you will earn $100,000 per month, or $1,200,000 per year.
- With $40 million invested at 4.5% yield, you will earn $150,000 per month, or $1,800,000 per year.
- With $40 million invested at 6% yield, you will earn $200,000 per month, or $2,400,000 per year.
- With $40 million invested at 9% yield, you will earn $300,000 per month, or $3,600,000 per year.
- With $40 million invested at 20% yield, you will earn $666,666.67 per month, or $8,000,000 per year.

## What is the monthly interest of $20 million ?

- With $20 million invested at 1% yield, you will earn $16,666.67 per month, or $200,000 per year.
- With $20 million invested at 3% yield, you will earn $50,000 per month, or $600,000 per year.
- With $20 million invested at 4.5% yield, you will earn $75,000 per month, or $900,000 per year.
- With $20 million invested at 6% yield, you will earn $100,000 per month, or $1,200,000 per year.
- With $20 million invested at 9% yield, you will earn $150,000 per month, or $1,800,000 per year.
- With $20 million invested at 20% yield, you will earn $333,333.33 per month, or $4,000,000 per year.

## What is the monthly interest of $15 million ?

- With $15 million invested at 1% yield, you will earn $12,500 per month, or $150,000 per year.
- With $15 million invested at 3% yield, you will earn $37,500 per month, or $450,000 per year.
- With $15 million invested at 4.5% yield, you will earn $56,250 per month, or $675,000 per year.
- With $15 million invested at 6% yield, you will earn $75,000 per month, or $900,000 per year.
- With $15 million invested at 9% yield, you will earn $112,500 per month, or $1,350,000 per year.
- With $15 million invested at 20% yield, you will earn $250,000 per month, or $3,000,000 per year.

## What is the monthly interest of $10 million ?

- With $10 million invested at 1% yield, you will earn $8,333.33 per month, or $100,000 per year.
- With $10 million invested at 3% yield, you will earn $25,000 per month, or $300,000 per year.
- With $10 million invested at 4.5% yield, you will earn $37,500 per month, or $450,000 per year.
- With $10 million invested at 6% yield, you will earn $50,000 per month, or $600,000 per year.
- With $10 million invested at 9% yield, you will earn $75,000 per month, or $900,000 per year.
- With $10 million invested at 20% yield, you will earn $166,666.67 per month, or $2,000,000 per year.

## What is the monthly interest of $10 million ?

- With $10 million invested at 1% yield, you will earn $8,333.33 per month, or $100,000 per year.
- With $10 million invested at 3% yield, you will earn $25,000 per month, or $300,000 per year.
- With $10 million invested at 4.5% yield, you will earn $37,500 per month, or $450,000 per year.
- With $10 million invested at 6% yield, you will earn $50,000 per month, or $600,000 per year.
- With $10 million invested at 9% yield, you will earn $75,000 per month, or $900,000 per year.
- With $10 million invested at 20% yield, you will earn $166,666.67 per month, or $2,000,000 per year.

## What is the monthly interest of $5 million ?

- With $5 million invested at 1% yield, you will earn $4,166.67 per month, or $50,000 per year.
- With $5 million invested at 3% yield, you will earn $12,500 per month, or $150,000 per year.
- With $5 million invested at 4.5% yield, you will earn $18,750 per month, or $225,000 per year.
- With $5 million invested at 6% yield, you will earn $25,000 per month, or $300,000 per year.
- With $5 million invested at 9% yield, you will earn $37,500 per month, or $450,000 per year.
- With $5 million invested at 20% yield, you will earn $83,333.33 per month, or $1,000,000 per year.

## What is the monthly interest of $3 million ?

- With $3 million invested at 1% yield, you will earn $2,500 per month, or $30,000 per year.
- With $3 million invested at 3% yield, you will earn $7,500 per month, or $90,000 per year.
- With $3 million invested at 4.5% yield, you will earn $11,250 per month, or $135,000 per year.
- With $3 million invested at 6% yield, you will earn $15,000 per month, or $180,000 per year.
- With $3 million invested at 9% yield, you will earn $22,500 per month, or $270,000 per year.
- With $3 million invested at 20% yield, you will earn $50,000 per month, or $600,000 per year.

## What is the monthly interest of $2 million ?

- With $2 million invested at 1% yield, you will earn $1,666.67 per month, or $20,000 per year.
- With $2 million invested at 3% yield, you will earn $5,000 per month, or $60,000 per year.
- With $2 million invested at 4.5% yield, you will earn $7,500 per month, or $90,000 per year.
- With $2 million invested at 6% yield, you will earn $10,000 per month, or $120,000 per year.
- With $2 million invested at 9% yield, you will earn $15,000 per month, or $180,000 per year.
- With $2 million invested at 20% yield, you will earn $33,333.33 per month, or $400,000 per year.

## What is the monthly interest of $1 million ?

- With $1 million invested at 1% yield, you will earn $833.33 per month, or $10,000 per year.
- With $1 million invested at 3% yield, you will earn $2,500 per month, or $30,000 per year.
- With $1 million invested at 4.5% yield, you will earn $3,750 per month, or $45,000 per year.
- With $1 million invested at 6% yield, you will earn $5,000 per month, or $60,000 per year.
- With $1 million invested at 9% yield, you will earn $7,500 per month, or $90,000 per year.
- With $1 million invested at 20% yield, you will earn $16,666.67 per month, or $200,000 per year.

## What is the monthly interest of $800,000 ?

- With $800,000 invested at 1% yield, you will earn $666.67 per month, or $8,000 per year.
- With $800,000 invested at 3% yield, you will earn $2,000 per month, or $24,000 per year.
- With $800,000 invested at 4.5% yield, you will earn $3,000 per month, or $36,000 per year.
- With $800,000 invested at 6% yield, you will earn $4,000 per month, or $48,000 per year.
- With $800,000 invested at 9% yield, you will earn $6,000 per month, or $72,000 per year.
- With $800,000 invested at 20% yield, you will earn $13,333.33 per month, or $160,000 per year.

## What is the monthly interest of $500,000 ?

- With $500,000 invested at 1% yield, you will earn $416.67 per month, or $5,000 per year.
- With $500,000 invested at 3% yield, you will earn $1,250 per month, or $15,000 per year.
- With $500,000 invested at 4.5% yield, you will earn $1,875 per month, or $22,500 per year.
- With $500,000 invested at 6% yield, you will earn $2,500 per month, or $30,000 per year.
- With $500,000 invested at 9% yield, you will earn $3,750 per month, or $45,000 per year.
- With $500,000 invested at 20% yield, you will earn $8,333.33 per month, or $100,000 per year.

## What is the monthly interest of $400,000 ?

- With $400,000 invested at 1% yield, you will earn $333.33 per month, or $4,000 per year.
- With $400,000 invested at 3% yield, you will earn $1,000 per month, or $12,000 per year.
- With $400,000 invested at 4.5% yield, you will earn $1,500 per month, or $18,000 per year.
- With $400,000 invested at 6% yield, you will earn $2,000 per month, or $24,000 per year.
- With $400,000 invested at 9% yield, you will earn $3,000 per month, or $36,000 per year.
- With $400,000 invested at 20% yield, you will earn $6,666.67 per month, or $80,000 per year.

## What is the monthly interest of $200,000 ?

- With $200,000 invested at 1% yield, you will earn $166.67 per month, or $2,000 per year.
- With $200,000 invested at 3% yield, you will earn $500 per month, or $6,000 per year.
- With $200,000 invested at 4.5% yield, you will earn $750 per month, or $9,000 per year.
- With $200,000 invested at 6% yield, you will earn $1,000 per month, or $12,000 per year.
- With $200,000 invested at 9% yield, you will earn $1,500 per month, or $18,000 per year.
- With $200,000 invested at 20% yield, you will earn $3,333.33 per month, or $40,000 per year.

## What is the monthly interest of $100,000 ?

- With $100,000 invested at 1% yield, you will earn $83.33 per month, or $1,000 per year.
- With $100,000 invested at 3% yield, you will earn $250 per month, or $3,000 per year.
- With $100,000 invested at 4.5% yield, you will earn $375 per month, or $4,500 per year.
- With $100,000 invested at 6% yield, you will earn $500 per month, or $6,000 per year.
- With $100,000 invested at 9% yield, you will earn $750 per month, or $9,000 per year.
- With $100,000 invested at 20% yield, you will earn $1,666.67 per month, or $20,000 per year.

## What is the monthly interest of $50,000 ?

- With $50,000 invested at 1% yield, you will earn $41.67 per month, or $500 per year.
- With $50,000 invested at 3% yield, you will earn $125 per month, or $1,500 per year.
- With $50,000 invested at 4.5% yield, you will earn $187.50 per month, or $2,250 per year.
- With $50,000 invested at 6% yield, you will earn $250 per month, or $3,000 per year.
- With $50,000 invested at 9% yield, you will earn $375 per month, or $4,500 per year.
- With $50,000 invested at 20% yield, you will earn $833.33 per month, or $10,000 per year.

## What is the monthly interest of $10,000 ?

- With $10,000 invested at 1% yield, you will earn $8.33 per month, or $100 per year.
- With $10,000 invested at 3% yield, you will earn $25 per month, or $300 per year.
- With $10,000 invested at 4.5% yield, you will earn $37.50 per month, or $450 per year.
- With $10,000 invested at 6% yield, you will earn $50 per month, or $600 per year.
- With $10,000 invested at 9% yield, you will earn $75 per month, or $900 per year.
- With $10,000 invested at 20% yield, you will earn $166.67 per month, or $2,000 per year.

## Dversification: the key factor in making your investments more profitable

When you invest, you always face a *risk.*

When it comes to investing, **risk management **is fundamental! If you expose yourself too much to risk, you’re more likely to subject your portfolio and your capital to high volatility: both upwards and downwards.

Unless you are a professional investor (trader), **the aim is not to be overly exposed to this volatility**.

The key is to **diversify your money**.

*Find out how to invest in whisky to diversify your portfolio*

**Stocks**, **bonds**, **crypto-currencies**, **real estate**, **private equity**… If tomorrow the share price of your favorite S&P500 listed company collapses (and you’ll be in a lot of trouble), it won’t have a direct impact on your standard of living, and the returns on your other investments will be fine: your rental property will continue to generate rental income, your bonds will continue to earn interest, etc…

On the other hand, imagine the worst-case scenario if you had decided to **invest your $100,000 **in a single share and the company in question went bankrupt?

Diversification remains the key! Think about it every time you invest your money.

*Remember: diversify your investments, selecting them according to your investor profile and return objectives. Last but not least, don’t forget the question of taxation. By keeping all these factors in mind, you’ll be sure to optimize your savings. Whether you have $10,000, $100,000 or $500,000 to invest, they’ll all pay off.*

Discover our other articles on investing:

- What can you do with $15,000?
- What can you do with $30,000?
- How to become an annuitant in 2023?
- Invest money that pays off every month
- How to cope with inflation?