从2026年开始，存款超过50万的家庭，或将不得不面临“4大麻烦”

Group 1 - The core viewpoint is that starting from 2026, families with deposits exceeding 500,000 may face four major challenges related to low interest income, inflation, investment risks, and the increasing number of small bank failures [3][4][9] Group 2 - The first challenge is the decreasing interest income from deposits, with the interest rate for one-year large deposits dropping from 2.25% to 1.4%, resulting in a reduction of interest income by 4,250 yuan for a 500,000 yuan deposit [3][6] - The second challenge is that deposit interest income cannot keep up with inflation, as the purchasing power of the principal decreases each year due to rising prices of essential goods [4][6] - The third challenge is the confusion regarding investment options, as many depositors are uncertain about how to invest their money amidst low interest rates and high investment risks [7][8] - The fourth challenge is the increasing number of small bank failures, which poses a risk to depositors who previously favored these banks for higher interest rates [9][12] Group 3 - For risk-averse investors, it is suggested to purchase large deposits from joint-stock banks, which offer higher yields than state-owned banks while maintaining lower risks compared to small banks [12] - For investors willing to accept some risk, a diversified asset allocation strategy is recommended, dividing funds into fixed-income products, low-risk investments, and medium-risk options like mixed funds [12]