下半年起，手握定期存款的人请准备3件事，很多人未察觉

Group 1 - The core viewpoint is that the enthusiasm for savings among the public is increasing due to economic uncertainties and rising investment risks, leading to a significant increase in household deposits [1] - In the first half of 2025, household deposits increased by 10.77 trillion yuan, averaging 1.79 trillion yuan in new deposits each month [1] - The continuous decline in deposit interest rates is expected, with the three-year deposit rate dropping from 3.05% to 1.55%, resulting in a decrease of 1,500 yuan in annual interest for a 100,000 yuan deposit [5] Group 2 - The reasons for the decline in deposit interest rates include the central bank's intention to encourage spending and investment, the synchronization of loan interest rate reductions, and the expansion of the interest rate spread for banks [5] - Investors are advised to adopt a laddered deposit strategy to balance interest income and liquidity, while aggressive investors should diversify their investments across various low-risk and higher-risk assets [8] - The increasing number of bankruptcies and dissolutions among small and medium-sized banks, with 195 banks announcing dissolution in 2024, raises concerns about the stability of these institutions [10] Group 3 - The real estate market is facing significant bubbles, with price-to-income ratios in first-tier cities reaching 40, indicating a potential correction in housing prices [12] - The stock market is also at risk of valuation corrections, with new stock issuance maintaining high price-to-earnings ratios, leading to potential declines in stock prices [12][13] - Investors with fixed-term deposits should prepare for the possibility of asset bubbles bursting in both real estate and stock markets [13]