存款是一年一存，还是直接三年一存？内行人说出实情

Core Insights - The article highlights the increasing trend of savings among residents, with a significant deposit increase of 9.22 trillion yuan in the first quarter of 2025, averaging over 3 trillion yuan per month, driven by concerns over unemployment, unexpected medical expenses, and retirement costs [1] Summary by Sections Savings Trends - Residents are motivated to save due to potential risks such as unemployment, sudden illnesses, and retirement expenses, leading to a preference for bank deposits over riskier investment options like stocks and funds [1] One-Year vs. Three-Year Deposits - One-year deposits offer three main advantages: higher liquidity, allowing for easier access to funds in emergencies; more investment opportunities, as funds can be reinvested annually; and protection against inflation by allowing partial withdrawals for consumption [4][5][7] - In contrast, three-year deposits lock in interest rates, which can be beneficial in a declining interest rate environment, with current rates around 1.9% for three-year deposits compared to 1.5% for one-year deposits, resulting in a difference of 1200 yuan in interest for a 100,000 yuan deposit over three years [7] Decision Factors - The choice between one-year and three-year deposits should be based on individual circumstances. For uncertain future expenses like housing or medical costs, one-year deposits are recommended. For long-term savings goals such as education or retirement, three-year deposits may be more suitable [8]