定期存款到期，这三件事得留神，老年人更得小心！

Group 1 - The article emphasizes the importance of being cautious with fixed-term deposits upon maturity, especially for elderly individuals [1] - Automatic renewal of fixed-term deposits may not be beneficial due to lower interest rates compared to manually reinvesting [2][4] - Trusting bank staff recommendations can lead to unintended investments in higher-risk financial products instead of safe deposits [5][7] Group 2 - Choosing the wrong term for a fixed deposit can lead to liquidity risks, especially if funds are needed before the term ends [8][10] - It is suggested to explore alternative investment options for short-term and medium-term funds to ensure better liquidity and returns [10]