今明两年，别再盲目存定期存款！银行内部人说出3大真相

Core Insights - The banking landscape is changing in 2025, with a significant increase in savings deposits, reaching 9.22 trillion yuan in Q1, averaging 2,195 yuan per person per month [1] - Interest rates on savings are declining, with three-year fixed deposit rates dropping from 3.05% three years ago to below 2% now, resulting in a 37.7% decrease in interest income for depositors [1] - Inflation is eroding the purchasing power of savings, with a three-year fixed deposit rate of 1.5% failing to keep pace with rising prices, leading to a projected loss of 1,100 yuan in value per year for a 100,000 yuan deposit [3] Banking and Savings Trends - The trend of decreasing interest rates is expected to continue, influenced by central bank policies and global economic conditions, making traditional savings less beneficial for depositors [1] - The liquidity of fixed deposits is a concern, as early withdrawal results in significantly lower interest earnings, exemplified by a case where a depositor lost over 10,000 yuan due to early withdrawal penalties [5] Investment Strategies - A diversified approach to managing funds is recommended, suggesting that individuals should not rely solely on fixed deposits but instead allocate funds into different categories for better flexibility and security [5] - Caution is advised against chasing high-yield investments without proper knowledge, as many investment products, including mutual funds, have experienced significant losses [7] - Different age groups should adopt tailored investment strategies, with younger individuals taking on more risk while older individuals prioritize safety and capital preservation [7]