孩子存1000元，比你存20万利息高？

Group 1 - The article discusses how parents are managing their children's "lucky money" received during the Chinese New Year, with many opting to deposit it in banks or invest in financial products due to declining interest rates on savings accounts [1][2][4] - Banks are actively marketing specialized savings products for children's "lucky money," with features like dedicated accounts and parental controls to help manage funds [2][4][6] - Some banks, like Beijing Rural Commercial Bank and Mongolian Merchant Bank, are offering higher interest rates on specialized savings accounts compared to standard rates, with rates for 1-year, 2-year, and 3-year terms ranging from 1.4% to 1.75% [4][6] Group 2 - As interest rates decline, parents are increasingly turning to investment products such as wealth management and insurance instead of traditional savings accounts, with some reporting difficulty finding savings products with rates above 2% [7][8] - The article highlights a trend where parents are diversifying their children's "lucky money" into various financial products, including insurance policies that offer long-term benefits and investment funds with higher returns [8][9] - Industry experts suggest that parents should focus on safety and long-term growth when managing children's funds, recommending stable financial products and educational insurance to secure future educational expenses [10][12]