理财产品收益可观，为啥还是有很多人愿意存定期？内行人士揭示真相

Core Insights - The Chinese banking wealth management market is projected to reach 29.14 trillion yuan by Q1 2025, with a year-on-year growth of 9.41% and over 126 million investors participating [1] - Despite the higher returns of wealth management products (typically 2-3%) compared to fixed-term deposits (1.35%), many individuals still prefer to invest in fixed-term deposits due to safety concerns [3][6] Group 1: Safety and Risk Considerations - Safety is the primary concern for investors, as fixed-term deposits offer full compensation for amounts up to 500,000 yuan in case of bank failure, while wealth management products carry the risk of loss [6] - Many conservative investors prioritize capital preservation over high returns, leading them to favor fixed-term deposits [6][9] - The current investment environment has heightened risks, with average losses reported for A-share investors and public funds, making fixed-term deposits a safer choice [13] Group 2: Liquidity and Accessibility - Fixed-term deposits provide better liquidity compared to wealth management products, which often have a lock-in period, making it difficult to access funds in emergencies [6][7] - Investors are advised to split their funds, keeping a portion in fixed-term deposits for emergencies while using the rest for wealth management products to maximize returns [7] Group 3: Financial Literacy and Investment Barriers - The elderly population, who are the main savers, often lack financial knowledge and risk tolerance, leading them to prefer familiar fixed-term deposits [9][11] - The minimum investment threshold for wealth management products is significantly higher (starting from 50,000 yuan) compared to fixed-term deposits (starting from 50 yuan), limiting access for average households [11]