喜欢在银行存“死期”的，都是些什么样的人？他们为什么会做出这个选择？

Core Viewpoint - The article discusses the reasons behind individuals choosing fixed-term bank deposits, highlighting that this choice reflects a desire for stability and security in uncertain financial times [1][10]. Group 1: Types of Fixed-Term Deposit Savers - The first group, termed "No-Trouble Tribe," consists of individuals who prefer to deposit money in fixed-term accounts for peace of mind, avoiding the complexities of investment management [3]. - The second group, "Parents with Children," includes young parents who prioritize the safety of their funds for future educational expenses, opting for lower but guaranteed returns [4]. - The third group, "Rational Calculators," analyzes their financial needs and finds fixed-term deposits to be the optimal choice for their cash flow management, often employing a strategy of diversifying deposit terms [5]. Group 2: Psychological and Practical Aspects - Many individuals choose fixed-term deposits due to a natural trust in banks, especially among older generations who have experienced financial instability [5][11]. - Fixed-term deposits offer several advantages, including guaranteed returns, protection under deposit insurance, and a deterrent against impulsive spending [6][8]. - The current interest rates for fixed-term deposits range from 2.5% to 3.5%, with some banks offering rates above 4% to attract deposits, which, while lower than riskier assets, provide sufficient returns for those seeking stability [8][9]. Group 3: Investment Strategy and Personal Choice - A diversified investment strategy is recommended, where individuals allocate a portion of their funds to fixed-term deposits while also investing in other financial products to balance risk and return [9]. - The decision to use fixed-term deposits is not inherently right or wrong; it depends on individual circumstances and financial goals, emphasizing the importance of self-awareness in financial planning [10][11]. - The article concludes that those who choose fixed-term deposits are often clear about their financial objectives and willing to trade higher returns for peace of mind [11][13].