Core Viewpoint - The article discusses the significant decline in deposit interest rates in China, marking the end of the "risk-free" era for conservative savers, and highlights the shift towards stock market investments as a new financial strategy for individuals [1][3][14]. Group 1: Deposit Rate Changes - Major state-owned banks in China have collectively lowered deposit rates, with the one-year fixed deposit rate dropping to 0.95%, resulting in a decrease in interest income from 1,450 yuan to 950 yuan for a 100,000 yuan deposit [1][3]. - This reduction in deposit rates has severely diminished the attractiveness of traditional savings, particularly impacting middle-aged and elderly savers who rely on interest income [3]. Group 2: Investment Landscape - The decline in low-risk investment options has led to a growing interest in the stock market, which is now seen as a primary avenue for personal finance [4][5]. - The stock market is experiencing increased attention due to supportive policies aimed at enhancing investor returns and the influx of long-term capital from insurance and pension funds [5]. Group 3: Investor Education and Tools - There is an urgent need for investor education as individuals transition from savings to stock market investments, emphasizing the importance of knowledge and preparation to avoid risky investments [7][8]. - The emergence of intelligent stock learning tools, such as the "Easy Knowledge Stock Path" by Jiufang Zhitu, aims to equip investors with the necessary skills and knowledge to navigate the stock market effectively [10][12]. Group 4: Future of Investment - The article concludes that the era of risk-free returns is over, and investors must embrace knowledge-driven investment strategies to achieve wealth growth [14]. - The shift towards cognitive and professional investment tools is essential for navigating the complexities of the current market environment [12][14].