LBX(SH:603883) Sou Hu Cai Jing·2026-01-21 17:36Group 1 - A significant wave of savings will mature in 2026, with approximately 70 trillion yuan in one-year and longer-term deposits set to expire [1][3] - The amount maturing is comparable to the total market capitalization of the Shanghai Stock Exchange, raising questions about where this capital will flow [3] - Many individuals are anxious about low interest rates on savings, with current rates at 0.05% for demand deposits and less than 1% for one-year deposits, leading to concerns about the effectiveness of traditional savings [4][8] Group 2 - The upcoming savings maturity is viewed as a test for individuals to manage their finances rationally rather than seeking quick profits [8][10] - Investment opportunities such as gold, stocks, and real estate are highlighted, but caution is advised due to inherent risks and market volatility [14][19][21] - The article emphasizes the importance of maintaining capital safety and liquidity over chasing high returns, suggesting conservative financial management strategies [12][22][26] Group 3 - Recommendations include keeping sufficient emergency funds, considering early mortgage repayments, and investing in low-risk products like government bonds and commercial insurance [27][29][31] - The focus should be on preserving capital rather than speculative investments, with a warning against overexposure to high-risk assets like stocks and gold [26][33]