理财产品收益跌破 3%！银行理财子公司加速转型，这两类产品更安全

Group 1 - The core viewpoint is that the yields on bank wealth management products have declined significantly, with many products now offering returns below 3%, leading to increased customer anxiety about investment safety [2][4] - Customers are increasingly concerned about the safety of their principal, with many expressing reluctance to invest in products that do not guarantee capital protection [2][3] - Banks and their wealth management subsidiaries are shifting their strategies from high-yield products to more stable and compliant offerings, reflecting a broader trend in the market [2][5] Group 2 - Two types of relatively safe investment products are highlighted: savings bonds and large-denomination certificates of deposit (CDs), which are perceived as more reliable options in the current market [3][4] - Savings bonds have a low entry threshold and guarantee both principal and returns, making them appealing to conservative investors [3][4] - Large-denomination CDs offer better liquidity compared to traditional fixed deposits, allowing for transferability without significant loss, although they require a higher minimum investment [4][5]