Today to invest the money in the Bank can be 7-12% per annum. This is the average of proposals of different banks. Moreover, the bigger the bet, the more conditions. For example, the Bank may make a suggestion, so that to withdraw any amount it will be possible only once a year, after the expiry of the contract. If every month to collect the interest, then the rate will be slightly lower.

The average family in Russia today can live on 30 thousand roubles a month. To get the same amount, under 10% you need to put 3 million 600 thousand. If life need more, you should increase the amount of the contribution.
A feature of the modern economy — inflation. Today for 100 rubles you can buy much less than 3-4 years ago. This means that money gradually depreciate. The average inflation rate in the year in Russia — 8%. Accordingly, each year you will lose some of their money, although the amount and will not change. For example today for 2 million you can buy a one-bedroom apartment in a provincial town. After a few years, this money will suffice only on one.
To protect savings from inflation, you need to leave on account of the amount of accrued interest, equal to inflation. So 8% of the accrued money is better left in the account. If the contribution is under 10%, it is advisable to remove no more than 2%. And to get the desired 30 thousand per month, you need to invest 18 million rubles.
Today there is an alternative investing system. Money at interest is not necessary to carry to the Bank. You can trust them to the person who is going to undertake the investment. Many companies offer similar services. Interest on these deposits can vary from 10 to 200 a year. But such investments need to check the company reputation and to ask about the stabilization Fund that will be used if there were unforeseen circumstances. In such investments there is always the risk of loss.
You can also invest in real estate. Today commercial entities bring considerable income. Can not be called explicitly this interest, but the monthly payments with the right attachment for sure. Office space can cost an impressive of money in any city in the country.