“新三金”火了，降息潮下储户该如何理财？

Core Viewpoint - The recent reduction in Loan Prime Rate (LPR) has led to a simultaneous decrease in deposit rates across various banks, with many banks' one-year deposit rates falling below 1% for the first time, prompting a shift in savings behavior towards financial products like funds and gold [1][3][4]. Group 1: Deposit Rate Adjustments - Major state-owned banks and joint-stock banks have announced reductions in deposit rates, with city commercial banks following suit, resulting in a loss of competitive advantage in deposit rates [2][3]. - Specific adjustments include Ningbo Bank's new rates of 0.8% for 3-month deposits and 1.25% for 1-year deposits, and Shanghai Bank's rates of 0.7% for 3-month and 1.15% for 1-year deposits [3]. - The overall decline in deposit rates is seen as a strategic move by banks to lower funding costs and enhance profitability, while also encouraging a shift of funds towards non-deposit financial products [4]. Group 2: Interest Rate Inversion - Some banks are experiencing an "inversion" in interest rates, where longer-term deposit rates are lower than shorter-term rates, indicating a strategic shift in response to market conditions [5][6]. - This inversion reflects banks' expectations of further declines in deposit rates and a need to attract short-term deposits to manage liquidity pressures [7]. Group 3: Shift in Savings Behavior - With the decline in deposit rates, many savers, particularly younger individuals, are turning to alternative investment options such as money market funds, bond funds, and gold funds, collectively referred to as the "new three golds" [1][9]. - Data from Alipay indicates that 9.37 million individuals from the '90s and '00s generations are investing in these financial products, highlighting a significant shift in investment preferences [9]. - Financial experts suggest that while these alternatives may offer better returns, investors should consider the associated risks and maintain a diversified portfolio to mitigate potential volatility [10].