你手里那笔死死存在银行的定期，看着越来越"安全"，其实正在被慢慢吃掉。 三年前，很多银行三年期定存利率还能做到3%以上，随便放个几十万，一年利息就够给家里添不少东 西；现在大行三年期已经跌破2%，10万放一年利息连油钱都快不够，更别提跑赢通胀 。 更现实的是，从趋势上看，利率可能还会在一个相对低位待很久。这不是银行故意压你利息，而是整个 社会进入了一个"低增长＋低利率"的新常态。 所以，越来越多"内行人"在说同一件事： 别再把鸡蛋全押在"活期＋定期"这一个篮子里，适当把你长期不用的一部分存款，换成这4类东西。不 是为了让你一夜暴富，而是为了在5年、10年后，你回过头看，会感谢今天做了调整的自己。 这些底线不能触碰！ 底线一：先把保命钱留足 至少预留3到6个月的家庭生活费，放在活期、货币基金或者非常短期的低风险理财里，这笔钱是用来救 急、付账单、应对失业和生病的，绝对不能拿去冒险 。 底线二：不要全部挪走，更不要借钱去"投资" "把存款换成这4样"的意思，是对你的一部分闲钱做结构调整，不是把所有存款梭哈出去，更不是去借 钱加杠杆。 底线三：看清楚自己能扛多大波动 有的人看到账户亏几千块就睡不着，有的人亏几万还能 ...

原因一：利率已经进入下行通道，长期定存锁得有点"亏" 先看一组很直观的数据： 很多人都有这么个习惯：工资一到账，先把大部分钱转成"定期存款"，最好选个三年期、五年期，图个 踏实、图个利息多一点。 前几年，这样做确实没啥问题。那时候，三年期定存利率还能到3%以上，十万块一年利息三千多，放 在银行里"躺赚"，安全感满满。 可这两年，你再去银行App上看一眼，心情可能就完全不一样了： 不是银行不想让你存，而是这四个原因，真的很现实。 同样是三年期，现在很多银行已经跌破2%，甚至掉进"1字头"； 想要更高一点的大额存单、5年期产品，要么额度抢不到，要么干脆直接下架； 更关键的是，不少银行内部人、理财经理反而会提醒你：今明两年，不要随便一大笔钱全砸进"定 期存款"。 2025年5月，六大国有银行带头降息： 活期利率只有0.05%，3年期、5年期定存利率分别降到1.25%、1.3%！ 股份制银行、中小银行后来跟进，有的甚至在一年里密集调整了好几次； 一些民营银行、村镇银行，3年、5年期定存利率也从过去的3%左右一路跌到"2字头"甚至"1字头"；5年 期大额存单在不少大行App里，干脆已经"查无此人"。 这意味着什么？ 几 ...

转自：北京日报客户端 记账式国债承销团成员、储蓄国债承销团成员，中央国债登记结算有限责任公司、中国证券登记结算有 限责任公司、中国外汇交易中心、上海证券交易所、深圳证券交易所、北京证券交易所： 现公布2026年第一季度关键期限国债、短期国债、超长期一般国债、储蓄国债发行有关安排（见附 件）。执行中如有变动，以届时国债发行文件为准。 财办债〔2025〕37号 关于公布2026年第一季度国债发行有关安排的通知 ...

Core Viewpoint - The scarcity of three-year large-denomination certificates of deposit (CDs) is a result of banks' reluctance to issue high-interest long-term deposits due to declining net interest margins and competitive pressures in the interest rate environment [3][9]. Group 1: Market Dynamics - Banks are currently facing a historical low net interest margin of 1.42%, making it unprofitable to issue three-year large-denomination CDs at rates around 2.5% [3]. - Major banks have collectively suspended five-year products and are limiting the issuance of three-year CDs to avoid being "trapped" by future interest rate declines [3]. - The demand for large-denomination CDs has surged, with rates of 2.2% being quickly exhausted, creating a cycle of increased competition among savers [3][9]. Group 2: Alternative Investment Options - **Savings Bonds**: State-backed savings bonds offer higher interest rates than large-denomination CDs, with a three-year rate of 2.35%, potentially yielding an additional 900-1800 yuan over three years for a 200,000 yuan investment [4]. - **Low-Risk Bank Wealth Management**: R1 and R2 level low-risk products can yield annualized returns of 2.8%-3.2%, significantly higher than three-year fixed deposits, with a focus on government and financial bonds [5]. - **Pure Bond Funds**: These funds, which invest solely in bonds, have shown an average increase of over 3.5% in the past year, with some products yielding up to 4%, providing a potential annual return of 7,000-8,000 yuan on a 200,000 yuan investment [6]. - **Bank Specialty Deposits**: Some banks offer specialty deposits with lower entry thresholds and competitive rates of 2.1%-2.3%, comparable to large-denomination CDs, without the need for competitive purchasing [7]. Group 3: Investment Strategy Recommendations - It is advised to avoid "pseudo-deposits" from non-bank institutions that lack deposit insurance, as they carry significant principal risk [8]. - Diversification is recommended, with no more than 500,000 yuan deposited in a single bank, and spreading investments across 2-3 institutions for wealth management and funds [8]. - Caution is advised regarding products promising returns exceeding 4%, as they may carry hidden risks [8].

个人养老金缴存额度按自然年度累计，需在12月31日前完成缴存，才能抵扣当年个税。 文/北京青年报记者 蔺丽爽 临近2025年末，个人养老金缴存进入冲刺期。截至12月中旬，市场上个人养老金产品已超1200只，涵盖 储蓄、理财、基金、保险四大类，2026年6月国债还将加入 "货架"。 从三年前在36个城市先行试点，到去年推广至全国，作为养老保险体系"第三支柱"的重要组成部分，缴 存个人养老金正稳步进入千家万户的养老规划中。只要已经参加了基本养老保险的人，可自愿参加个人 养老金，为自己多储备一份养老资金。 编辑/宋霞 ...

Group 1 - The core viewpoint is that declining deposit rates are prompting investors to seek alternative investment options, leading to a diversification of savings into various asset classes [1][3] - There is a notable shift in public wealth management from relying solely on deposits to a more diversified asset allocation strategy, with fund distribution agencies proactively guiding investors in this transition [1][2] - The "new three golds" strategy is gaining traction among younger investors, encouraging them to allocate funds across money market funds, bond funds, and gold ETFs for a diversified investment approach [2] Group 2 - The "fixed income plus" products are becoming increasingly popular among conservative investors, indicating a trend towards these assets as a response to low interest rates [3] - Investors are becoming more accepting of slight fluctuations in their investments in exchange for higher returns, making "fixed income plus" products a key vehicle for reallocating funds [3] - It is advised that investors transitioning to "fixed income plus" products should balance yield and risk, with recommendations to allocate less frequently used funds to these funds for smoother net value fluctuations [3]

Core Viewpoint - The era of high-interest large-denomination certificates of deposit (CDs) is coming to an end, as evidenced by a significant drop in interest rates, leading to reduced earnings for depositors [1][1]. Group 1: Interest Rate Changes - A depositor in Tianjin, Mr. Wang, invested 500,000 yuan in a large-denomination CD five years ago at an interest rate of 4.8%, resulting in 120,000 yuan in interest at maturity. Currently, the interest rate has fallen to just over 2%, yielding only 50,000 yuan in interest, a difference of 70,000 yuan [1][1]. Group 2: Alternative Investment Suggestions - Financial expert Xue Hongyan suggests diversifying funds into three categories: capital preservation, income generation, and liquidity. - Recommended alternatives include purchasing savings bonds, which, while offering lower interest rates than before, are considered safe. Local banks may offer better rates on fixed deposits compared to larger banks, with deposit insurance protection [1][1]. - For those seeking higher returns, investing in conservative financial products focused on bonds or short-term bond funds is advised, as they typically offer higher yields with manageable risks [1][1]. - It is also recommended to keep a portion of funds in liquid financial products for easy access [1][1].

最近有朋友在银行办完定期存款后，跟我吐槽了一件事。银行客户经理推荐她买一个3%的理财产品，她没同意，还是坚持存了三年期定期存 款，利率1.5%。那位经理的表情特别值得玩味，就像在看一个"舍近求远"的人。但这位朋友的选择，其实代表了现在大多数普通人的想法。为 什么一个理财产品能给3%甚至4%的收益，我们反而都在争抢1%到2%的定期存款呢？这背后有什么道道吗？ 咱们先把事实摆出来。2025年到现在，六大国有银行的定期存款利率基本保持在这个水平：三个月0.8%、六个月1%、一年期1.1%、两年期 1.2%、三年期1.5%、五年期1.55%。有些中小银行的利率稍微高一点，但也就在1.3%到2%左右徘徊。相对比之下，某些银行的短期理财产品 能达到2.6%以上，有的保本理财甚至能做到3.15%，更别说那些预期收益在3%到4%的产品了。从数字上看，3%和1.5%差了一倍，这笔账怎么 算都应该选理财啊。 但现实中发生的事情恰恰相反。数据显示，定期存款的增长速度反而超过了活期存款。以工商银行为例，2023年个人定期存款增长了 23.26%，而定期存款的增长幅度远高于客户存款平均余额13.8%的增长。招商银行的零售定期存款更是同 ...

and momment 【富街保險 201 III IS F HD 1 the 【发包行 P HITE 博网保障 HE SASSASS IT i : 201 F 7 15 1 i E THE at of review with Householder has been allers 上市式 " | | | | | | | the state 五年期大额存单已陆续下架，三年期大额存单也变成了稀缺品。部分国有大行的个别三年期大额存单门槛已经大幅提升至100万元，而且年利率仅有 1.55%，对大多数投资者来说，投资吸引力并不高。 在无风险利率持续下行的背后，银行正在积极调整经营策略，以应对低利率的环境。银行先后下架中长期存款产品，以降低资金成本的压力，也可能为净息 差持续下行而做好各项风险对冲的准备。 如果您是风险厌恶型的投资者，那么存银行可能是您的最佳选择。从保本的角度考虑，保守投资者可以从单一配置银行存款产品逐渐转变为多元化的投资， 例如增配储蓄国债、货币基金、国债逆回购、大额存单以及纯债基金等，以提升整体的投资收益率水平。 如果您可以承受一定的投资风险，而且有一笔三年以上不动用的闲置资金，那么您可以适度配置一 ...

Core Viewpoint - The article discusses the recent trend of banks reducing or eliminating long-term deposit options, particularly five-year fixed deposits, due to the pressure of low loan interest rates and the need to maintain profitability in a challenging economic environment [5][29]. Group 1: Bank Practices and Profitability - Banks are increasingly unable to offer competitive long-term deposit rates, with five-year deposits now yielding only 2.5%, lower than the three-year rate of 2.7% [5][10]. - The concept of "net interest margin" is highlighted, where banks earn profit from the difference between loan interest and deposit interest. However, with declining loan rates, banks face squeezed profit margins [7][8]. - The reduction of long-term deposits is described as a necessary response to the financial pressures banks are experiencing, as maintaining high-interest long-term deposits becomes unsustainable [10][29]. Group 2: Changing Consumer Behavior - There is a noticeable shift in consumer behavior, with many individuals preferring to store their money in fixed deposits rather than riskier investments like funds or stocks, driven by a desire for stability in uncertain economic times [10][12]. - The article notes that consumers are increasingly opting for longer-term deposits, which complicates banks' liquidity management, as they must be prepared for potential withdrawals [13][29]. - The article emphasizes that the traditional approach of relying on long-term deposits for passive income is becoming less viable, as interest rates continue to decline [17][29]. Group 3: Policy and Market Trends - The central bank's push for "interest rate marketization" has led to a decrease in deposit interest rates, particularly for long-term deposits, as part of broader efforts to lower financing costs for businesses [15][29]. - The article suggests that low interest rates may become the norm, indicating that consumers should adapt their savings strategies accordingly [29]. - New banking products, such as "flexible term deposits," are being introduced to provide consumers with more options while allowing banks to manage costs effectively [28][29].