5年期定存产品首见“下架”！存款还能去哪“增值”？

Group 1 - The core viewpoint of the articles highlights the declining interest rates on bank deposits, particularly the disappearance of 5-year deposit products among small and medium-sized banks, indicating a broader trend in the banking industry under pressure from narrowing net interest margins [1][2][3] - Recent statistics show that dozens of small and medium-sized banks have lowered deposit rates, with some products decreasing by over 60 basis points, and many banks have removed 5-year deposit products from their offerings [1][2] - The net interest margin for commercial banks was reported at 1.42% in Q2 2025, a decrease of 0.01 percentage points from Q1, remaining at historically low levels [1][2] Group 2 - In response to declining deposit rates, many young investors are turning to funds, particularly ETFs, which offer a diversified investment approach with lower risk compared to individual stock purchases [2][3] - The domestic ETF market has seen significant growth, surpassing 5 trillion yuan in total scale, with stock ETFs experiencing the most substantial increase, growing by 512.37 billion yuan in just four months [2] - Various ETF options are recommended for different investment strategies, including A500 ETF for balanced exposure to core assets, a dividend-focused ETF for lower volatility, and a technology-focused ETF for those willing to accept some risk [3]