银行员工几乎不买定期存款，退休银行职员揭秘原因！

Core Insights - The article discusses the reluctance of bank employees to invest in fixed-term deposits, despite the general public's tendency to seek security in bank savings due to uncertainties regarding unemployment, healthcare, and retirement [1][2]. Interest Rate Environment - The primary reason for the disinterest in fixed-term deposits is the persistently low interest rates, with three-year fixed deposits yielding only about 2.6% and one-year deposits dropping to 1.95% [3]. - These rates are insufficient to counteract inflation, leading to a potential decrease in the real purchasing power of the principal amount over time [3]. Liquidity Concerns - Liquidity issues also play a significant role, as bank employees find the low interest rates unattractive compared to the opportunity cost of locking funds for a year [5]. - Even though three-year deposits offer slightly higher rates, the inherent liquidity constraints deter many from choosing this option, as early withdrawal results in significant interest losses [7]. Information Advantage and Experience - Bank employees possess a unique advantage in accessing timely and accurate financial information, allowing them to identify low-risk, high-yield investment products [8]. - Their extensive experience in the financial market enhances their ability to manage investment risks, making them more resilient compared to average savers [8]. Advice for Ordinary Savers - Despite the general disinterest in fixed-term deposits among bank employees, it is advised that ordinary savers consider bank deposits as a relatively safe investment option, given their lack of financial knowledge and experience [9]. - The current investment environment is challenging, with many investment products experiencing significant losses, making cautious decision-making essential for ordinary savers [9].