存款是一年一存，还是直接三年一存？内行人说出了实情

Core Insights - The increasing enthusiasm for savings among the public is evident, with new deposits reaching 9.22 trillion yuan in the first quarter of 2025, averaging over 3 trillion yuan per month, reflecting the saving habits and willingness of the Chinese people [1] - The preference for bank deposits is largely driven by the need for financial security against potential expenses related to unemployment, illness, and retirement, especially in a market environment where stocks and other investment products carry higher risks [3] Deposit Options Analysis - When choosing between one-year and three-year fixed deposits, each option has its pros and cons. For instance, a one-year deposit may offer a lower interest rate of 1.5%, while a three-year deposit could yield 1.9%, resulting in an additional 1,200 yuan in interest over three years for a deposit of 100,000 yuan [4] - Opting for a three-year deposit allows customers to lock in relatively high interest rates amid a downward trend, but some banks have started to phase out three-year deposits, limiting options to one or two-year terms. Additionally, three-year deposits have lower liquidity, which can significantly reduce expected returns if funds are needed before maturity [6] - In contrast, one-year deposits provide higher liquidity, allowing for more flexibility in accessing funds. For example, a retiree saving 5,000 yuan monthly would have 12 certificates after a year, enabling withdrawals in case of emergencies [8] - One-year deposits also offer opportunities to reassess market conditions and investment options annually, which could be missed with a three-year commitment. Furthermore, inflation may erode the purchasing power of funds tied up in longer-term deposits [8][9] Personal Financial Considerations - The choice between one-year and three-year deposits ultimately depends on individual circumstances. For those anticipating significant expenses in the next three years, one-year deposits are recommended for maintaining liquidity. Conversely, for long-term savings goals like education or retirement, three-year deposits may be more suitable [9]