存款利率，卷到13%了？

Core Viewpoint - The article discusses the recent surge in Hong Kong's deposit interest rates, particularly the sensational claim of a 13% rate, and analyzes its implications and limitations for investors [2][3]. Group 1: Interest Rate Analysis - The reported 13% interest rate is real but only applicable for a 7-day period [4][5]. - After 7 days, the interest rate returns to normal levels, which are significantly lower [5][18]. - To qualify for the 13% rate, deposits must be in Australian or New Zealand dollars; other currencies, including RMB, yield lower rates [8][18]. Group 2: Effective Yield Considerations - The 11% rate for RMB deposits is annualized, meaning actual returns for a 7-day deposit are minimal, approximately 21 RMB on a 10,000 RMB deposit [11][13]. - Additional conditions include converting funds to HKD before depositing, which incurs exchange rate risks and fees [13][15]. Group 3: Broader Market Context - Despite the high rates in Hong Kong compared to mainland China, where large deposits yield only around 1.6%, the article emphasizes that traditional deposits are no longer the primary means for asset appreciation [18][19]. - The article warns of a potential decline in deposit rates below 3% in the near future, suggesting that large amounts of cash should be allocated to more stable and higher-yielding assets [22][23]. Group 4: Investment Strategy Recommendations - Investors are advised to shift focus from high-risk, high-reward strategies to more stable growth and flexible withdrawal options [25][26]. - Emphasis is placed on the importance of avoiding significant volatility and seeking assets that can mitigate political and regulatory risks [27][29]. - A diversified global asset allocation is recommended to spread risk, combining domestic and overseas high-yield assets [30][31].