Core Viewpoint - As the year-end approaches, employees are eagerly anticipating their year-end bonuses, with many considering investment options that may offer higher returns than their mortgage rates [1] Group 1: Year-End Bonus Investment Trends - Multiple banks have launched specialized services for year-end bonus investments, offering a variety of products including deposits, wealth management, funds, insurance, and precious metals [1] - Postal Savings Bank has introduced three low to medium-risk investment products with flexible terms, with annualized returns exceeding 4% for certain options [2] - Construction Bank suggests a strategic allocation of year-end bonuses into four categories, including daily expenses, risk protection, stable savings, and capital market investments [6] Group 2: Marketing Strategies by Banks - Major banks are implementing asset enhancement plans to increase customer retention and attract new clients, utilizing incentives such as points and cash rewards [7] - Agricultural Bank has launched a rewards program for customers who increase their average assets, offering various incentives based on the amount of increase [8] - Banks are focusing on year-end bonuses as a stable source of idle funds, aligning with their goals to optimize liability structures and enhance asset management [9] Group 3: Investor Guidance - Investors are advised to assess their financial situation and investment goals before making decisions regarding year-end bonuses, focusing on liquidity and risk tolerance [10] - It is recommended that investors integrate their year-end bonuses into their overall wealth management strategy to maintain a balanced asset structure [10] - Caution is advised regarding marketing promotions, with a focus on understanding product terms and ensuring alignment with personal financial plans [11]