跌破1%！存款利率又降了！钱到底该放哪？

Core Viewpoint - The article discusses the recent reduction in deposit rates by major banks in response to the LPR adjustment, highlighting alternative investment options for individuals facing lower deposit yields [1][2]. Summary by Sections Deposit Rate Changes - On May 20, the latest LPR was announced, with major state-owned banks and China Merchants Bank leading the way in lowering deposit rates [1]. - The interest rate for demand deposits has been reduced to 0.05%, while the one-year fixed deposit rate has dropped below 1%, now at 0.95% [1]. Alternative Investment Options 1. Government Bonds - Advantages include a clear interest rate benefit, with 3-year bonds yielding 1.93% and 5-year bonds at 2.0% [2]. - Compared to large time deposits, 3-year government bonds offer approximately 0.03% higher returns [3]. 2. Large Time Deposits - Require a minimum deposit of 200,000, with a 3-year interest rate of 1.9%, which is 0.65% higher than regular fixed deposits [5]. - Offer better liquidity than government bonds, with some allowing transfer [6]. 3. Low-Risk Bank Wealth Management - Historical annualized returns range from 1.5% to 2.5% for R1-R2 rated products [8]. - Provide T+0 redemption, making them nearly as liquid as demand deposits [9]. 4. Money Market Funds - Historical annualized returns between 1.5% and 2.0%, significantly higher than demand deposits [11]. - Flexible trading options with a low minimum investment of 1 yuan [12]. 5. Structured Deposits - Can be purchased through banks, linked to assets like gold or exchange rates, offering potentially high returns [14]. - Returns depend on the performance of the linked assets [15]. 6. Gold Investments - Options include physical gold and paper gold/ETF, providing strong inflation hedging in uncertain economic conditions [19]. - Short-term price volatility is high, suggesting a recommendation for medium to long-term holding [20]. 7. Insurance Wealth Management - Products like whole life insurance and annuities offer returns of about 2.5% to 3.0% [21]. - These products lock in rates for the long term but may incur losses if cashed out early [23]. Investment Strategies - Conservative Strategy: 50% in government bonds, 30% in money market funds, and 20% in large time deposits, suitable for risk-averse investors [24]. - Balanced Strategy: 40% in structured deposits, 30% in low-risk wealth management, and 30% in gold, aiming for moderate returns while diversifying risk [25]. - Aggressive Strategy: 50% in fund investments, 30% in insurance wealth management, and 20% in gold, targeting long-term growth with acceptance of short-term volatility [26].