银行人员提醒：3种存款赶紧取出，吃亏的人已不少

Core Insights - In 2025, the average household savings in China reached 213,000 yuan, a 4.8% increase from the previous year, but inflation at around 2.7% is eroding purchasing power [1] - The article emphasizes the need to reassess traditional savings methods in light of changing economic conditions and financial products [1] Group 1: Concerns with Current Savings Products - The so-called capital-protected financial products have hidden risks, as banks have shifted to offering quasi-capital-protected products that often yield lower returns than traditional fixed deposits [2] - In 2024, the scale of structured deposits in the banking sector reached 4.2 trillion yuan, with an average actual yield of only 2.85%, which is lower than the rates for fixed-term deposits [2] - A significant 87% of structured deposits ended up yielding only the minimum return, highlighting the unpredictability of these products [2] Group 2: Issues with Flexible Deposit Products - "Zero and flexible" deposit products, while marketed for their convenience, often come with multiple hidden restrictions that can significantly lower actual returns [3] - In 2024, over 300 such products were issued, averaging 3.5 hidden restrictions each, which can lead to lower effective interest rates for consumers [3] - For example, a customer who withdrew funds early faced a drastic reduction in interest rates, demonstrating the pitfalls of these seemingly attractive products [3] Group 3: Reevaluation of Long-term Low-interest Deposits - Long-term deposits often offer minimal additional interest compared to shorter-term options, which can lead to missed opportunities for higher returns [4] - For instance, a five-year fixed deposit might only yield 0.4% more than a one-year deposit, which contradicts the principle of time value of money [4] - Analysts predict a potential interest rate adjustment cycle in late 2025 to 2026, making liquidity more valuable than slightly higher fixed rates [4] Group 4: Alternative Investment Strategies - Government bonds are highlighted as a favorable fixed-income option, with a 3.1% yield for three-year bonds, surpassing traditional bank deposits [5] - Large-denomination certificates of deposit (CDs) also present a viable option, with an average yield of 3.05% for three-year CDs from major banks [5] - The article advocates for a diversified asset allocation strategy, including maintaining an emergency fund and considering various investment vehicles based on individual risk tolerance [5] Group 5: Shift in Asset Allocation Trends - Data from the first quarter of 2025 indicates a trend towards diversified asset allocation among Chinese residents, with a decrease in bank deposit proportions and an increase in government bonds and funds [7] - This shift reflects a growing awareness of financial management and the importance of strategic asset allocation in achieving financial freedom [7] - The article stresses the need for individuals to actively engage with the market and choose suitable investment options to combat inflation [7]