内行提醒：手握20万存款的人，明年起要做好6个准备

Group 1 - The article emphasizes the importance of balancing safety and liquidity for individuals with savings of 200,000, especially in the current economic environment where inflation is outpacing interest rates on fixed deposits [1][3] - It suggests that individuals should avoid long-term fixed deposits and instead consider shorter terms to maintain flexibility and access to funds [3][4] - The article warns against high-interest offers from small banks due to their lower stability and higher risk of liquidity issues, recommending larger, state-backed banks for safer deposits [4][6] Group 2 - It highlights the benefits of investing a portion of savings in gold, which has shown an average annual increase of 6.8% over the past five years, providing a hedge against economic volatility [6][7] - The article advises keeping a portion of savings in liquid accounts or money market funds to ensure quick access to cash for emergencies, as many individuals face unexpected expenses [6][7] - It encourages diversifying deposits across multiple banks to mitigate risk and take advantage of varying interest rates, suggesting a split of funds between two major banks [9][10]