去银行存钱时，为何有人说不要存大额存单？内行：有4大原因

Core Viewpoint - There are several reasons why some individuals advise against investing in large-denomination certificates of deposit (CDs), despite their higher interest rates compared to regular deposits [1][10]. Summary by Categories 1. Declining Returns - The interest rates for large-denomination CDs are decreasing, making it difficult for investors to preserve capital or outpace inflation. For instance, the interest earned on a large-denomination CD has significantly dropped compared to previous years [2][10]. 2. High Entry Barriers - Many individuals face financial constraints as large-denomination CDs typically require a minimum deposit of at least 200,000 yuan, with some products having even higher thresholds. This limits the ability to diversify investments and may leave insufficient funds for emergencies [4][10]. 3. Liquidity Risks - Early withdrawal of large-denomination CDs results in interest being calculated at the lower regular deposit rate, leading to significant interest losses if funds are needed unexpectedly [5][10]. 4. Difficulty in Acquiring High-Interest Products - High-interest large-denomination CDs are scarce due to banks reducing costs by lowering high-interest deposit products. Many banks have either stopped offering these products or have them sold out, making it challenging for investors to secure them [8][10]. 5. Alternative Investment Strategies - The evolving financial market offers various options for managing funds beyond large-denomination CDs. Investors are encouraged to consider a mix of strategies, such as regular deposits for safety, money market funds for better liquidity, and fund dollar-cost averaging for higher returns [10].