天津储户50万存款5年利息少了7万！大额存单正在消失还有哪些替代

Core Viewpoint - The era of high-interest large-denomination certificates of deposit (CDs) is coming to an end, as evidenced by a significant drop in interest rates, leading to reduced earnings for depositors [1][1]. Group 1: Interest Rate Changes - A depositor in Tianjin, Mr. Wang, invested 500,000 yuan in a large-denomination CD five years ago at an interest rate of 4.8%, resulting in 120,000 yuan in interest at maturity. Currently, the interest rate has fallen to just over 2%, yielding only 50,000 yuan in interest, a difference of 70,000 yuan [1][1]. Group 2: Alternative Investment Suggestions - Financial expert Xue Hongyan suggests diversifying funds into three categories: capital preservation, income generation, and liquidity. - Recommended alternatives include purchasing savings bonds, which, while offering lower interest rates than before, are considered safe. Local banks may offer better rates on fixed deposits compared to larger banks, with deposit insurance protection [1][1]. - For those seeking higher returns, investing in conservative financial products focused on bonds or short-term bond funds is advised, as they typically offer higher yields with manageable risks [1][1]. - It is also recommended to keep a portion of funds in liquid financial products for easy access [1][1].