520财富节 | 工资到手先做什么？这份“越花越有钱”的秘籍请收好

Core Viewpoint - The article discusses the recent trend of declining deposit interest rates and offers practical financial management tips to balance liquidity and returns, emphasizing the importance of savings and investment strategies in personal finance management [1]. Group 1: Savings and Investment Strategies - The "334 Rule" is proposed for effective fund allocation, suggesting that 30% of income should be allocated to liquid investments, another 30% to fixed-income products, and the remaining 40% to secure assets like fixed deposits and government bonds [4]. - Various "pain-free saving methods" are introduced, including systematic investment plans (SIPs) in mutual funds, the "Twelve Deposit Rule" for regular savings, and savings insurance as a means of enforced saving [5]. Group 2: Types of Financial Products - Different types of bank deposits are outlined, including fixed deposits, large-denomination certificates of deposit (CDs), and notice deposits, with a focus on the current phenomenon of interest rate inversion where longer-term deposits yield lower rates than shorter ones [7][8]. - Government bonds are highlighted as a popular investment choice, often selling out quickly, with current rates for three-year and five-year bonds at 1.93% and 2% respectively, offering better returns compared to declining deposit rates [9]. - Savings insurance is recommended for long-term financial planning, with features such as guaranteed returns and the potential for wealth transfer, although current rates have decreased to around 2.5% [10]. Group 3: Financial Product Selection - For liquid investments, newly launched financial products are suggested as they may offer higher initial yields, while for longer-term investments, closed-end and open-end financial products are recommended for their stability and automatic reinvestment features [11][12].