0:00 / 6:40 来源：天弘基金 （原标题：从配置踩坑到稳健盈利：投资是一场不断进阶的成长之旅！） ...

总之，2025年的银行存款，已经不再是"唯一选择"。 但也不是说它就不香了，而是我们有了更多选择。 钱放哪，不重要，重要的是它能不能"活"起来。 你愿意把钱从银行拿出来，去试试别的路子吗？欢迎留言讨论！ 你还在把钱死死锁在银行里吗？ 2025年7月，居民存款单月减少1.11万亿元，创下近年新高。钱到底去哪儿了？是股市、基金，还是理财产品？ 这篇文章给你答案，帮你判断银行存款还值不值得存。 前两天刷手机，看到一条新闻：2025年7月，全国居民存款减少了1.11万亿元。 这可是个大数字，意味着很多人正在把钱从银行里拿出来。 不是说中国人最爱存钱吗？怎么突然开始"撤资"了？ 其实，背后的原因很简单：银行利息太低了。 现在银行3个月期的存款利率，平均只有0.949%。 5年期的也才1.538%，利息买一瓶矿泉水都困难。 相比之下，理财产品年化收益率能到2.4%-2.8%，高出一大截。 再加上股市回暖，前五个月A股新增开户873万户，同比增长62.3%。 还有很多人开始买基金，公募基金规模已经突破29.7万亿元。 特别是货币基金，成了保守型投资者的新宠。 房产市场也没闲着，虽然调控还在，但部分城市房价回暖，也吸引了不少 ...

明天（8月14日），建信基金将带来一场直播，讲述商品ETF和QDII指数的配置价值，欢迎一键预约观 看哦~ 主题：《商品ETF和QDII指数投资价值》 时间：8月14日 16：00 8月14日（周四）16：00 点击下方链接即可预约↓ 免责声明 以上观点来自相关机构，不代表天天基金的观点，不对观点的准确性和完整性做任何保证。 收益率数据仅供参考，过往业绩和走势风格不预示未来表现，不构成投资建议。转引的相关 由天天基金独家播出的《下半年配置诊疗室》直播特别策划现已正式上线！ 长按下方二维码 或 点击文末阅读原文 提前锁定心仪场次，预约直播不迷路！ 更有京东卡、遮阳伞等大量好礼等 你来抽~ ↓ 点击"阅读原文" 预约查看更多直播 还有好礼等你赢！ 分享、点赞、在看 顺手三连越来越有钱 ...

Summary of Conference Call Records Industry or Company Involved - The records primarily discuss the impact of the US-China trade conflict on various industries and macroeconomic conditions. Core Points and Arguments - **Global Supply Chain Constraints**: The US faces significant challenges in adjusting global supply chains in the short term, leading to persistent price increases that cannot be resolved through supply adjustments alone. This may require agreements with other trade partners or domestic subsidies for mitigation [1][3][4] - **Tariff Measures**: The US's imposition of tariffs is driven by economic, political, and social factors. The short-term goal is to address trade deficits and increase tax revenue, while the long-term goal is partial decoupling and maintaining global dominance, making complete tariff removal unlikely [1][5] - **China's Tariff Strategy**: China has adopted a strategy of suspending or canceling certain tariffs based on negotiation outcomes, making it one of the countries with the highest tax burdens globally due to tariffs related to fentanyl and investigations [1][5] - **Projected Revenue from Tariffs**: Assuming US imports reach $3 trillion in 2025, a 10% tariff could generate at least $200 billion in additional revenue, not accounting for potential future tariff increases on certain trade partners [1][6] - **Trade Negotiation Phases**: The current phase of US-China trade negotiations is the second stage, with expectations of continued tariff increases. The first phase saw China implement comprehensive countermeasures that exceeded market expectations [1][7][8] Other Important but Possibly Overlooked Content - **Macroeconomic Impact of Tariffs**: The imposition of tariffs leads to decreased total output and increased prices in consumer countries initially, followed by rising interest rates and inflation. In producer countries, initial output declines are offset by falling prices and rising real wages [2] - **Sector Resilience**: Sectors with low trade correlation, such as consumer goods, services, and consumer banking, are expected to remain stable. Import substitution sectors like agriculture and certain chemicals show potential, while automotive parts and consumer electronics may receive exemptions [3][9] - **Commodity Price Trends**: Commodity prices are generally on a downward trend, with domestic policy support potentially weakening, leading to price volatility. Interest rates are expected to have limited downward pressure, and exchange rates may fluctuate around the 7.2 mark [10] - **Investment Strategy**: In the current economic environment, it is recommended to focus on domestic demand sectors while maintaining a defensive investment posture. A small allocation to aggressive sectors is suggested to capitalize on market volatility [11]