视频丨存款利率全面进入1时代，有银行一个月狂降3次，钱该往哪放？

Group 1 - The core viewpoint of the articles is that bank deposit interest rates have significantly decreased, with many banks now offering rates below 2%, marking the entry into the "1 era" for deposit rates [2][4]. - Since April, several joint-stock banks and small banks have reduced deposit rates by 10 to 50 basis points, particularly focusing on long-term deposits like 3-year and 5-year terms [2][3]. - The phenomenon of interest rate inversion is becoming common, where 5-year deposit rates are lower than 3-year rates, indicating a trend of decreasing long-term deposit attractiveness [3]. Group 2 - Currently, the deposit rates for state-owned and joint-stock banks are generally below 2%, with even rural commercial banks and private banks lowering their rates to below 2% after previously offering higher rates [4]. - Some banks have made multiple rate cuts within a month, such as Fujian Huatuo Bank, which cut rates on April 10, 13, and 21 [3]. - The average dividend yield for bank stocks is around 4.27% as of April 28, 2024, which is significantly higher than the current deposit rates, making bank stocks an attractive alternative for investors seeking returns [10]. Group 3 - Investors are advised to explore small banks for potential deposits with rates above 2% and to diversify their asset allocation to mitigate risks and enhance returns [9]. - Suggested asset allocation includes 50% in deposits or government bonds, 30% in low-risk financial products, and 20% in equity funds, with adjustments based on individual risk tolerance [9]. - The articles highlight the importance of selecting stable dividend-paying stocks, particularly from monopolistic state-owned enterprises, to ensure consistent returns amidst stock price volatility [10].