10 万元闲钱咋存？银行、零钱通、余额宝收益大比拼！

Group 1 - The article discusses various options for investing 100,000 yuan, comparing bank deposits, Yu'ebao, and WeChat's零钱通 for potential returns [2][3][4] - Bank deposit rates are low, with a 0.05% interest rate for demand deposits and higher rates for fixed-term deposits, such as 1.25% for a three-year term, yielding 3,750 yuan for 100,000 yuan [2] - Yu'ebao offers a 7-day annualized yield around 2%, resulting in approximately 2,000 yuan for 100,000 yuan over a year, with the possibility of higher returns depending on the selected funds [3] - WeChat's零钱通 has a similar yield to Yu'ebao, also around 2%, but incurs a 0.1% withdrawal fee for non-linked bank transfers, which can diminish overall returns [3][4] Group 2 - For stable returns without immediate cash needs, fixed-term bank deposits, particularly three to five years, are recommended due to their higher yields compared to demand deposits [4] - For convenience and ease of use in daily transactions, Yu'ebao and 零钱通 are suitable options, offering better returns than demand deposits while being user-friendly [4] - When making investment choices, factors such as safety, convenience, and overall returns should be considered to ensure financial security and peace of mind [4]