存款超过30万，别再去银行存定期了，为何没人早告诉我还可以这样存

Core Viewpoint - The traditional method of saving money in fixed deposits is becoming less favorable due to low interest rates that do not keep pace with inflation, leading to potential loss of purchasing power [1][3]. Group 1: Traditional Fixed Deposits - Current interest rates for one-year fixed deposits range from 1.5% to 2.5%, while three-year and five-year rates are around 2.8% [1]. - The interest earned on a fixed deposit of 300,000 at a 2% annual rate is 6,000, but after tax, the net amount is lower, and the funds are locked, reducing liquidity [3]. - Fixed deposits pose a liquidity risk, as funds cannot be accessed without penalties, which can lead to financial strain in emergencies [3]. Group 2: Alternative Investment Options - Large denomination certificates of deposit (CDs) offer higher interest rates, typically 0.3% to 0.5% more than regular fixed deposits, providing better returns and improved liquidity [4]. - Bonds, especially government bonds, have interest rates between 2.5% and 3%, offering higher returns than fixed deposits without locking funds for extended periods [4]. - Short-term financial products from banks and financial institutions yield rates between 3% and 5%, significantly higher than fixed deposits, with flexible terms [4]. Group 3: Investment Strategies - A diversified approach is recommended, where a portion of funds is kept in fixed deposits for stability, while the rest is invested in higher-yielding short-term financial products [5]. - Low-risk funds, such as bond and mixed funds, typically yield 4% to 6% annually, surpassing fixed deposit returns and allowing for liquidity [7]. - Money market funds, like Yu'ebao, offer competitive returns of around 2% to 2.5% with high liquidity, making them a viable alternative to fixed deposits [7]. Group 4: Asset Allocation Recommendations - A suggested allocation includes 30% to 40% of funds in highly liquid products for emergencies, 30% in large denomination CDs or short-term fixed deposits for stability, and 30% in bonds or low-risk funds for higher returns [9][11]. - Regular review of investment strategies is essential to adapt to changing market conditions and ensure optimal asset allocation [11]. Group 5: Financial Literacy and Caution - The increasing variety of financial products presents opportunities but also risks, necessitating careful selection of reputable institutions to avoid scams [8][12]. - Older generations may need assistance in understanding modern financial products, emphasizing the importance of educating them on current investment options [12].