打开余额宝一看，七日年化又跌了，现在连1%都快守不住了。前几天我妈还跟我念叨，说放里面的两 万块钱，一个月利息够买棵白菜就不错，早知道还不如存银行定期。 说实话，这情况真不是个例。身边做理财的朋友都在吐槽，现在货基跟"活期储蓄"没两样，唯一的好处 就是随用随取。但咱老百姓理财图啥？不就是想让钱能多生俩钱，别眼睁睁看着贬值嘛。 这里有个小技巧，别光盯着五大行。一些地方性银行，为了拉存款，利率能比大行高不少，而且50万以 内都受存款保险保护，根本不用怕。我上周帮我妈在本地城商行抢了一笔，20万起存，两年期利率 2.5%，比存大行多赚小一千块呢。不过得提醒一句，大额存单通常不能提前支取，急用钱的话损失不 小，最好用闲钱买。 说到闲钱，这才是理财最核心的一点。我之前犯过傻，把准备给孩子交学费的钱买了封闭式理财，后来 急用钱取不出来，差点耽误事。真的，真的要把钱分分类，日常要用的留着买货基当零钱罐，短期不用 的放大额存单，长期闲钱再考虑"固收+"这类产品，这样搭配才合理。 2025年理财，真不能再像以前那样"闭眼买货基"了。低利率是大趋势，咱得学会调整思路。别追求那些 高收益的噱头，那些动不动就说"稳赚不赔还能翻倍"的 ...

Group 1 - The average rate for a 30-year fixed mortgage has decreased to 6.35%, down from 6.5% the previous week, marking the largest drop in a year [1] - The decline in borrowing costs has been ongoing for several months and was further influenced by a disappointing employment report [1] - As of Monday, consumers could lock in a 30-year mortgage at a rate of 6.27%, the lowest in nearly a year, leading to a surge in rate locks to the highest single-day level since 2022 [1] Group 2 - The refinancing industry is experiencing a "moment of surge" due to the declining rates, which are also expected to stimulate more home buying demand [2] - Companies like Paramount Residential Mortgage Group are preparing for growth by hiring additional loan officers, indicating confidence in the sustained low-rate environment [2] - Unlike last year, where rate decreases were short-lived, the current trend of declining rates is expected to continue for several months [2]

Group 1 - The external environment has become increasingly uncertain in 2023, with fluctuating tariffs from Trump and a declining trend in domestic interest rates, leading to a focus on safe-haven assets in investment portfolios [1] - The 10-year government bond is viewed as a preferred investment choice for many investors due to its status as a benchmark for risk-free rates and its ability to cover a complete economic cycle [2] - The 10-year government bond ETF (511260) has shown consistent positive returns since its inception, with annual returns of 9.02%, 16.65%, and 25.06% over the past year, three years, and five years respectively, indicating stable performance [3][4] Group 2 - The 10-year government bond ETF offers multiple advantages, including flexibility with "T+0" trading, low management fees of approximately 0.2% per year, and transparency in holdings [4] - The trading volume and scale of the 10-year government bond ETF have been increasing, with an average daily trading volume of 1.127 billion yuan and a net inflow of over 4.2 billion yuan in recent days, outperforming the market [4] - The fund manager anticipates a potential trend in the bond market in the third quarter, driven by economic cycles in both domestic and U.S. markets, presenting investment opportunities in the 10-year government bond ETF [4]