有30万存款的人，还在傻傻存定期？银行职工说漏：这样存利息过万

Core Viewpoint - The article emphasizes the importance of exploring various investment options beyond traditional fixed deposits to enhance wealth growth, especially in a low-interest-rate environment [1][14]. Group 1: Current State of Fixed Deposits - As of 2025, the total balance of residents' deposits in China reached 128.5 trillion yuan, with approximately 46% in fixed deposits, indicating a significant amount of capital earning low returns [2]. - The average annual interest rate for fixed deposits among major banks was reported at 2.65% in the first quarter of 2025, while alternative investment avenues could yield annualized returns of 3.8% to 4.2% with similar risk levels [2][4]. Group 2: Alternative Investment Options - Large Time Deposits: These offer higher interest rates compared to traditional fixed deposits, with three-year rates ranging from 3.0% to 3.45%, potentially yielding 27,900 to 31,050 yuan in interest for a 300,000 yuan deposit [5]. - Structured Deposits: These combine traditional deposits with financial derivatives, offering an average annualized return of 3.8% as of mid-2025, but with variable returns based on market indicators [6]. - Smart Deposits: A new product type that provides flexibility and competitive returns, with average annualized rates around 2.8% to 3.2%, allowing for partial withdrawals while maintaining higher interest on unwithdrawn amounts [6]. - Bank Wealth Management Products: These are categorized by risk levels, with low-risk products yielding average annualized returns of 3.6% to 4.2%, significantly higher than fixed deposits [7]. - Money Market Funds: These offer good liquidity and lower risk, with average returns around 2.7% as of July 2025, suitable for those needing frequent access to funds [7]. Group 3: Wealth Management Strategies - A diversified investment approach is recommended, such as allocating 10% to smart deposits, 15% to low-risk wealth management products, and 5% to money market funds, which could yield a total return of approximately 34,500 yuan over three years, outperforming fixed deposits by about 9,750 yuan [8]. - Continuous learning and adjustment of investment strategies are crucial as financial markets evolve and personal circumstances change [15].