100万闲置3年，除了3年期定期存款外，还有其余存法吗？答案来了

Core Viewpoint - The article discusses various investment options for individuals with 1 million yuan who plan to leave their money idle for three years, emphasizing alternatives to traditional three-year fixed deposits. Group 1: Investment Options - Three-year large-denomination time deposits offer higher interest rates than regular fixed deposits, with a minimum deposit requirement of 200,000 yuan, making it suitable for those with 1 million yuan [3] - Savings treasury bonds provide a stable investment option with fixed interest rates, allowing for early withdrawal with minimal interest loss, which is beneficial in a declining interest rate environment [3][5] - Short-term fixed deposits can be a viable option for those uncertain about leaving their money idle for three years, allowing for interest accrual without significant penalties for early withdrawal [5] Group 2: Diversification Strategies - A combination of different investment methods can mitigate risks associated with relying on a single option, such as using a portion of funds for high liquidity options like current deposits or money market funds while allocating the rest to higher-yielding products [5][7] - For funds that will not be needed in the short term, investing in fixed deposits or large-denomination time deposits can yield better returns [7] - Regular investment in stable mutual funds through a systematic investment plan (SIP) can provide potential long-term gains, although it carries inherent risks that should align with the investor's risk tolerance [7]