2026年有银行定期的家庭注意了！做好这两手准备，利息不缩水

Group 1 - The core issue is that over 32 trillion in fixed deposits will mature in 2026, which is 4 trillion more than in 2025, causing concern among depositors who are facing declining interest rates [1] - Depositors are struggling with interest income that does not keep pace with inflation, as prices for essential goods continue to rise while bank deposit rates hit historical lows [3] - Industry experts suggest that depositors should prepare for the upcoming maturity of fixed deposits by maximizing interest income and diversifying asset allocation [5][7] Group 2 - To maximize deposit income, depositors are advised to lock in higher rates by opting for 3-year fixed deposits and considering deposits in joint-stock banks, which typically offer higher rates than state-owned banks [6] - For those with over 200,000, purchasing large certificates of deposit (CDs) is recommended, as they offer higher rates and transferability, allowing for better liquidity compared to regular fixed deposits [6] - A diversified asset allocation strategy is encouraged, where depositors should not place all funds in fixed deposits but instead invest in a mix of low to medium-risk products to achieve better returns and mitigate risks [9]