消逝的定存高息：有人5万存五年，利息少近7000元

Core Viewpoint - The article discusses the shift in residents' savings behavior from traditional bank deposits to non-bank financial products due to declining interest rates, highlighting the generational differences in investment strategies and the increasing popularity of diversified financial products like "fixed income+" and ETFs [1][21]. Group 1: Declining Interest Rates and Savings Behavior - Recent data from the People's Bank of China shows that resident deposits have fallen below seasonal growth for two consecutive months, marking a shift towards the non-bank financial market [1][21]. - The interest rate for five-year fixed deposits at major state-owned banks has dropped to 1.3%, significantly lower than the 4% rate available in 2020, leading to a loss of nearly 7,000 yuan in interest for a 50,000 yuan deposit over five years [6][5]. - Many individuals, including retirees, express hesitation and dissatisfaction with current deposit rates, indicating a broader trend of seeking higher returns through alternative investment avenues [6][9]. Group 2: Generational Investment Strategies - Different generations exhibit distinct approaches to wealth management: the cautiousness of the "50s," the hesitance of the "70s," the balance-seeking "80s," and the experimental nature of the "00s" reflect varying financial needs and risk tolerances [3][9]. - The "80s" generation, represented by individuals like Judy, continues to seek higher interest rates despite the current low-rate environment, viewing bank deposits as a safety net [9][10]. - The "00s" generation, like Li Meng, allocates a portion of their assets to fixed deposits while considering other products like life insurance for future financial security [10][11]. Group 3: Shift to Non-Bank Financial Products - There is a growing consensus among the public to diversify their financial portfolios, with many individuals adopting a dual strategy of maintaining fixed deposits while exploring stocks, funds, and insurance products for higher returns [12][21]. - "Fixed income+" products have gained attention, offering a mix of fixed income and equity assets to balance risk and return, with some products yielding annualized returns between 2.35% and 3.35% [12][15]. - ETFs are becoming increasingly popular among younger investors, providing a convenient way to invest in the stock market with the flexibility of real-time trading [17][18]. Group 4: Trends in Savings Migration - The trend of "savings migration" indicates a continued shift from traditional bank deposits to non-bank financial markets, driven by lower interest rates and a more active capital market [21][22]. - Data shows a decline in the growth of resident and corporate fixed deposits, correlating with a rise in stock market activity, as evidenced by increased trading volumes and new account openings [21][22]. - Factors influencing this migration include changes in interest rates, capital market performance, and shifts in residents' risk preferences, suggesting a complex interplay between economic conditions and individual investment behaviors [22][23].