未来两年，不要随便存定期存款，内部人员说出3个原因

Core Insights - The rising trend of savings among Chinese residents is driven by uncertainties such as unemployment risks and medical expenses, as well as preparations for significant expenditures like children's education and home renovations [1] Group 1: Savings Trends - In the first quarter of 2025, new bank deposits from residents reached 9.22 trillion yuan, translating to an average increase of 6,585 yuan per person, or a monthly net increase of 2,195 yuan [1] Group 2: Concerns About Fixed Deposits - Experts advise against blindly choosing fixed deposits in the coming years due to three main reasons: declining deposit rates, inflation eroding purchasing power, and poor liquidity of fixed deposits [3] - Deposit rates have been on a downward trend, with three-year fixed deposit rates dropping from 3.05% a few years ago to around 1.9% currently, significantly reducing interest earnings [5] - Structural inflation in China is affecting essential goods, leading to rising prices that diminish the real purchasing power of savings [6] Group 3: Liquidity Issues - Fixed deposits lack liquidity; early withdrawal results in interest being calculated at the current account rate, leading to potential losses for depositors [7] Group 4: Balancing Savings and Investments - While maintaining some savings is crucial for emergencies, it is also important to keep a portion of funds liquid for unforeseen needs [9] - Alternatives to fixed deposits, such as stocks, funds, and bank wealth management products, carry risks, with many retail investors facing losses [9] - Fixed deposits, despite lower returns, offer safety for principal and interest, making them a preferable option compared to high-risk investments during unfavorable market conditions [9]