从2026年1月起，家里有50万以上存款的人，建议做两手准备！

Group 1 - The core viewpoint of the articles highlights the increasing trend of domestic residents' savings, with household deposits expected to reach approximately 164 trillion yuan by the end of 2025, resulting in an average per capita deposit of over 114,000 yuan [1] - The primary reasons for the growing savings enthusiasm among the population include the need to prepare for unexpected events such as pandemics, illnesses, unemployment, and future expenses related to children's education, retirement, and large purchases [1] - There is a significant decline in bank deposit interest rates, with the three-year fixed deposit rate dropping from 3.25% to 1.75%, leading to a reduction in annual interest income for depositors [3] Group 2 - The decrease in deposit interest rates is attributed to three main factors: an excess of deposits in financial institutions, the need to stimulate loan demand by lowering rates, and banks' profit models relying on interest rate spreads [3] - As the number of bank failures and dissolutions increases, particularly among small and medium-sized banks, depositors are advised to be cautious as their savings may not be entirely safe [6] - The implementation of the Deposit Insurance Regulation ensures that deposits up to 500,000 yuan, including interest, are fully compensated within seven working days in the event of a bank failure [6] Group 3 - For depositors with savings of 500,000 yuan, it is recommended to diversify their deposits across multiple banks to ensure that each bank's total deposits remain below the insured limit [8] - Conservative investors are advised to consider options such as depositing in joint-stock banks, purchasing large-denomination certificates of deposit, and locking in medium to long-term interest rates [5] - Aggressive investors may benefit from a diversified asset allocation strategy, including a mix of risk-free investments, low-risk products, and moderate-risk options like mixed funds and dividend-paying bank stocks [5]