货基收益“躺平”？2025别瞎买，这两类理财才是普通人的定心丸

Core Viewpoint - The decline in money market fund yields has led investors to seek alternative investment options, as traditional methods are no longer providing satisfactory returns [2][3][4] Group 1: Current Investment Landscape - Money market funds are now yielding close to 1%, prompting investors to reconsider their strategies [2] - The central bank's continued loose monetary policy has contributed to the decline in yields from bank deposits and short-term government bonds, which are the primary investments for money market funds [2][3] - Many investors are moving their funds out of money market accounts, seeking better alternatives [2] Group 2: Alternative Investment Options - "Fixed Income Plus" funds are gaining attention, offering a mix of stable bond investments and a small portion in equities, with some achieving nearly 10% returns this year [3] - The majority of "Fixed Income Plus" funds have positive returns this year, with a median yield of over 3%, significantly outperforming money market funds [3] - Caution is advised when selecting these funds, as some have high equity exposure and may not perform well [3] Group 3: Bank Time Deposits - Bank large time deposits are considered a safer option, with some offering interest rates around 2.8% for three-year terms, despite a slight decrease from last year [4] - Smaller regional banks may offer higher rates than larger banks, and deposits under 500,000 are protected by deposit insurance [4] - It is important to manage liquidity, as large time deposits typically cannot be withdrawn early without penalties [4] Group 4: Investment Strategy Recommendations - A diversified approach is recommended, with money allocated to money market funds for daily expenses, large time deposits for short-term savings, and "Fixed Income Plus" products for long-term investments [4] - Investors should avoid chasing high-yield products that promise unrealistic returns, as they often carry significant risks [4][5]