建议大家：今明两年，不要随便存“定期存款”，内行人说出实情！

Core Viewpoint - The article discusses the declining interest rates on fixed-term deposits and the implications for individuals' savings strategies, emphasizing the need for diversification and alternative investment options in the current economic environment. Group 1: Declining Interest Rates - Fixed-term deposit rates have significantly decreased, with many banks offering rates below 2%, and some even in the "1s" range for three to five-year terms [4][6] - The overall trend indicates that interest rates are likely to remain low for an extended period, with potential for further minor reductions [8][10] Group 2: Inflation Impact - Inflation is eroding purchasing power, meaning that even if nominal savings increase, the real value of money decreases when accounting for rising costs of living [12][14] - The concept of "real interest rate" highlights that when inflation exceeds deposit rates, individuals may feel financially worse off despite seeing an increase in their account balances [16] Group 3: Liquidity Concerns - Fixed-term deposits have poor liquidity, making it challenging to access funds in emergencies without incurring significant interest losses [18][20] - Individuals often lock away large sums for higher interest, but this can lead to substantial financial setbacks when unexpected expenses arise [24][26] Group 4: Alternative Investment Options - There are smarter, more flexible options for "stable money" beyond traditional fixed-term deposits, such as large-denomination certificates of deposit, savings bonds, low-risk investments, and dividend insurance products [28][29][31][35] - Financial experts recommend a diversified asset allocation strategy that includes cash for liquidity, stable investments, and some exposure to higher-yielding options for those who can tolerate risk [37] Group 5: Strategic Financial Planning - Individuals should assess their financial situations by considering the timeline for using funds, their risk tolerance, and income stability [39][40] - A balanced approach involves keeping emergency funds liquid, using fixed deposits for medium-term savings, and exploring low-risk investments for long-term growth [42][46]