手里有定期存款的注意！下半年这5件事，越早准备越安心！

Group 1 - The article emphasizes the importance of not becoming complacent after retirement, as rising living costs can erode savings, necessitating proactive financial management [1][3] - It suggests diversifying savings across multiple banks and accounts to mitigate risks associated with bank failures or account freezes, advocating for a mix of fixed deposits, liquid savings, and low-risk investment products [1][3] - The need for an emergency fund is highlighted, recommending that individuals set aside 3 to 6 months' worth of living expenses in easily accessible accounts to avoid penalties from early withdrawals on fixed deposits [3][5] Group 2 - The article advises against letting savings stagnate due to inflation, encouraging the allocation of a portion of funds into stable investments such as government bonds, pension funds, and bond funds to ensure capital growth [3][5] - It warns about the prevalence of financial scams targeting the elderly, noting that over 50% of victims in 2023 were seniors, and stresses the importance of vigilance and verification before engaging in financial transactions [5][7] - The necessity of organizing financial information and designating trusted individuals for financial matters is discussed, ensuring that family members are informed about accounts and assets to prevent potential losses [7]