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].

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Group 1 - The current low interest rates on bank deposits are causing concern among individuals, with many experiencing a significant drop from previous rates [2] - There is a notable increase in inquiries about investment options as individuals seek alternatives to low-yield bank products, indicating a shift in investor behavior [2][3] - The bond market's instability has led to losses in previously considered "stable" investment products, highlighting the risks associated with low-risk investments [2] Group 2 - Individuals are advised against automatic renewal of bank deposits due to lower default rates compared to promotional rates, which can lead to missed opportunities for better returns [3] - Smaller banks, such as city commercial banks and rural commercial banks, are offering competitive rates and promotional activities, making them attractive alternatives for depositors [3][4] - A strategy of "laddering deposits" is recommended, where funds are divided into different maturity periods to balance liquidity and interest earnings [4] Group 3 - Investment in bank wealth management products is not entirely discouraged, but shorter holding periods and lower bond exposure are advised to mitigate risks [4][5] - A diversified investment approach, including a mix of fixed deposits, low-risk wealth management products, and mutual funds, is suggested for those with a higher risk tolerance [4][5] - The overall sentiment emphasizes adjusting expectations regarding returns, focusing on safety and inflation protection rather than high yields [5]