他为什么会改变想法呢？这就是我们今天要聊的话题。现在这个时代，跟以前真的很不一样了。以前，如果你有三十万块钱，最安全稳妥的办法就是存银行 定期。但现在，情况已经发生了很大的变化。有很多新的选择，可能比单纯地存银行定期更加划算。 最近碰到一个朋友，他说起自己的一个经历，让我觉得特别值得跟大家分享。他在银行工作了十几年，每次客户来咨询存款的事情，他都是按照老办法给人 家推荐定期存款。他的父母也是听他的建议，把积攒下来的三十多万块钱全部存成了定期。但后来，他自己反而改变了想法。他说，越是到了现在，越是觉 得当初的建议可能不是最聪明的办法。这让他挺后悔的，觉得自己耽误了父母和很多客户的收益。 咱们先看看传统的银行定期存款是什么情况。现在，银行一年期的定期存款利率通常在百分之一点五到百分之二点五之间，这个数字变化不大。三年期的定 期存款利率也就是百分之二点八左右，五年期也差不多。这个利率听起来好像还可以，但问题是，这个利率其实并没有跑过通货膨胀。如果通货膨胀率高于 这个利率，那你的钱其实就是在贬值。 我们算一下。你存三十万块钱，按年利率百分之二来算，一年的利息也就是六千块钱。看起来还可以，但这六千块钱还要交税，到手的会 ...

前段时间家里有点儿闲钱，一家人坐在一起商量怎么存。我老爸说要去银行存定期，我问现在的利率是多少，他查 了查说只有百分之多少多，比去年少了不少。我妈就开始担心了，问说利率会不会一直这样跌下去，最后都没有利 息了。我弟弟则说，与其存银行，不如去理财，听说有的理财产品利息更高。一下子就引发了一家人的讨论。后来 我查了些资料，发现这其实不只是我们家的疑惑，很多人都在想这个问题。银行的存款利率到底是怎么回事儿，会 不会继续下跌，有没有可能涨回来，钱到底该往哪里存。今天我们就好好聊聊这个问题。 首先要理解的是，存款利率为什么这些年一直在下跌。这不是银行心血来潮，而是有深层的经济原因在推动这个现 象。银行的存款利率和一个很重要的指标有关，那就是市场上的整体利率水平。这个水平受到很多因素的影响，其 中最关键的就是经济形势。当经济增长速度放缓的时候，整个社会对资金的需求就会下降，这时候利率自然而然就 会下降。 这些年来我们的经济增速在逐步放缓，这是一个全球化背景下的普遍现象。发达国家也是这样，发展中国家也是这 样。当经济增速放缓的时候，企业对借钱的需求就会减少。借钱的人少了，就不需要支付那么高的利息来吸引存 款。所以银行的存款 ...

你家存款达标了吗？全国人均存款刚刚迈过10万大关，一个三口之家得有30万存款才算"不拖后腿"。 北京家庭的存款平均数，正朝着100万逼近，上海家庭也达到了75万。这不仅仅是一个数字游戏，央行数据显示，2024年我们往银行里多存了14万多亿，但 同期挣的钱增速却没跟上。 这笔多出来的巨款，不是挣出来的，是大家"省"出来的，是"能不花绝不花"硬生生挤出来的储蓄。 当刷到人均存款10万的消息时，很多人的第一反应是查看自己的账户余额，然后发出一声叹息。这背后是一种普遍的"被平均"感受。全国人均10.7万元，这 个数字摊到每个家庭是超过30万的槛。然而，地图一放大，差异便触目惊心。 在北京，住户人均存款高达32.5万元，一个典型的三口之家，家庭存款均值接近百万。在上海，这个数字是人均25万，家庭均值75万。这些一线城市的数 字，如同高耸的山峰，极大地拉升了全国的平均线。 地域间的经济发展水平与收入结构，在这份存款榜单上刻下了深深的沟壑。当北京上海的家庭在讨论百万存款是否足够时，许多其他地区的家庭还在为达到 全国平均线而努力。这种差距并非一日之寒，它源于长期累积的资源分配、就业机会与薪酬水平。 因此，对于大量并未进入高收 ...

Group 1 - The core viewpoint of the article highlights Shanghai's exploration of charitable trusts as an innovative tool to enhance public welfare and promote social philanthropy under the backdrop of "finance for good" and "third distribution" [1][7] - As of December 31, 2024, Shanghai has recorded a total of 57 charitable trusts with a total asset scale of approximately 136 million yuan, showing a steady and accelerated growth trend [1][2] - In 2024, Shanghai established 18 new charitable trusts, representing a year-on-year increase of 63.6%, with small charitable trusts under one million yuan becoming the main contributors to this growth [2][3] Group 2 - The "small-scale" trend in Shanghai's charitable trusts is a result of institutional optimization, including the lowering of the registration capital threshold for establishing charitable trusts [3][4] - The report indicates that the majority of established charitable trusts are categorized into four types: precise assistance, sector support, strategic leadership, and professional construction [4][5] - In terms of asset management, 73% of the charitable trust assets are invested in cash management products, with an average return rate concentrated in the 1.5%-2.0% range [5][6] Group 3 - In 2024, the total charitable expenditure from Shanghai's charitable trusts reached 15.22 million yuan, with various expenditure categories reflecting a diverse range of funding needs [6] - All 57 charitable trusts in Shanghai have appointed supervisors, primarily from law firms, ensuring compliance and effective oversight [6][7] - The report emphasizes the potential for high-quality development of charitable trusts in Shanghai, driven by effective integration between the charitable and trust sectors [7][8] Group 4 - The population of Shanghai is projected to reach approximately 24.8 million by the end of 2024, with a rapidly aging demographic creating new social welfare needs [8] - The report suggests that financial tools can be explored to meet the socialized "entrustment" needs of the population, particularly in long-term care and asset protection for vulnerable groups [8]

随着日本央行启动政策紧缩，利率上升正促使家庭资金从银行存款流向国债市场。今年日本面向个人投 资者的政府债券销售额已突破5万亿日元(约320亿美元)，创下2007年以来最高纪录。 日本财务省数据显示，1月至12月国债发行规模累计达5.28万亿日元。其中，11月发行的五年期零售国 债票面利率达到1.22%，几乎是去年同期0.46%利率的2.7倍。 来自冈山县的37岁家庭主妇Kyoko Takahata表示，她去年10月从银行取出存款，在当地网点购入十年期 浮动利率国债。"国债利率比存款利率高，而且本金有保障，浮动计息方式让我觉得收益会随时间逐步 增长，"她坦言，"我知道这个收益跑不赢通胀，但股市波动太大，很容易亏损。"Takahata补充道，购买 国债是为子女教育和退休储备资金的更稳妥方式。 以瑞穗银行为例，即便是1000万日元以上的十年期定期存款，利率也仅约0.5%，这也从侧面解释了为 何部分储户选择将资金转向回报显著更高的国债产品。 根据最新发行安排，明年1月结算的零售型国债票面利率已确定：三年期固定利率品种为1.1%，五年期 固定利率品种为1.35%，十年期浮动利率品种为1.23%。其中，五年期利率创下20 ...

Core Viewpoint - The article discusses the reasons behind individuals choosing fixed-term bank deposits, highlighting that this choice reflects a desire for stability and security in uncertain financial times [1][10]. Group 1: Types of Fixed-Term Deposit Savers - The first group, termed "No-Trouble Tribe," consists of individuals who prefer to deposit money in fixed-term accounts for peace of mind, avoiding the complexities of investment management [3]. - The second group, "Parents with Children," includes young parents who prioritize the safety of their funds for future educational expenses, opting for lower but guaranteed returns [4]. - The third group, "Rational Calculators," analyzes their financial needs and finds fixed-term deposits to be the optimal choice for their cash flow management, often employing a strategy of diversifying deposit terms [5]. Group 2: Psychological and Practical Aspects - Many individuals choose fixed-term deposits due to a natural trust in banks, especially among older generations who have experienced financial instability [5][11]. - Fixed-term deposits offer several advantages, including guaranteed returns, protection under deposit insurance, and a deterrent against impulsive spending [6][8]. - The current interest rates for fixed-term deposits range from 2.5% to 3.5%, with some banks offering rates above 4% to attract deposits, which, while lower than riskier assets, provide sufficient returns for those seeking stability [8][9]. Group 3: Investment Strategy and Personal Choice - A diversified investment strategy is recommended, where individuals allocate a portion of their funds to fixed-term deposits while also investing in other financial products to balance risk and return [9]. - The decision to use fixed-term deposits is not inherently right or wrong; it depends on individual circumstances and financial goals, emphasizing the importance of self-awareness in financial planning [10][11]. - The article concludes that those who choose fixed-term deposits are often clear about their financial objectives and willing to trade higher returns for peace of mind [11][13].

Core Viewpoint - The discussion revolves around the risks of holding cash due to inflation and the need for individuals to reconsider their financial strategies, particularly in light of predictions for 2026 [2][4][6]. Inflation and Cash Holding - Inflation diminishes the purchasing power of money, meaning that cash held over time loses value [4]. - In China, inflation rates have fluctuated between 2% to 4% in recent years, leading to significant long-term impacts on cash value [4]. - A hypothetical scenario illustrates that 100,000 yuan held without investment could lose approximately 26% of its purchasing power over ten years at a 3% inflation rate [4]. Investment Recommendations - It is advised that individuals should not keep all their money in cash or fixed deposits but rather invest in appreciating assets like stocks, bonds, or real estate to outpace inflation [5]. - Diversification in asset allocation is crucial, as it helps mitigate risks associated with market volatility [6][9]. Practical Financial Strategies - Maintaining a cash reserve for emergencies is essential, with recommendations suggesting 3 to 6 months' worth of living expenses as a safety net [9]. - For funds exceeding emergency reserves, conservative investment options such as government bonds or bank products are recommended to balance risk and return [9][10]. - Individuals should avoid impulsive investments based on trends or peer pressure, as many inexperienced investors face losses in volatile markets [10][11]. Future Economic Considerations - The year 2026 is highlighted as a potential turning point for economic policies or cycles, prompting discussions about cash management strategies [6]. - The increasing prevalence of digital payments may further alter the role of cash in personal finance [6]. Conclusion on Financial Management - A balanced approach to cash holding and investment is emphasized, with a focus on understanding personal financial situations and risk tolerance [13]. - The importance of financial literacy and cautious decision-making in response to external financial advice is underscored [11][13].

岁末年初，人们总习惯回顾过往，展望未来，而盘点一年的收成，无疑是其中至关重要的一环。这几年，经济大环境充满挑战，投资市场更是如同惊险的过 山车，令人心惊胆战。那些诸如股票、基金、创业等听起来诱人的字眼，对于大多数普通百姓而言，或许不如稳守现有存款来得实在。放眼2025，守护好钱 袋子才是王道。 表格显示，25岁之前的存款基本在1万元以内，30岁达到12万，35岁要有20万，40岁达到32万，45岁46万，而50岁则需要拥有65万存款。平心而论，这份表 单的数据还算务实，只要努力，实现对应年龄的存款目标并非遥不可及。 然而，在当前经济形势下，与其费尽心思地攒钱，更让人头疼的或许是如何守住现有的财富。 说起存款，网络上经常能看到这样的提问："30岁到底有多少存款才算正常？" 近期，一张"各年龄段存款标准表"在网络上流传，引发热议。今天，我们就 来深入探讨一下这个话题。 这位发帖的网友分享了自己的经历：他和妻子大学毕业后便开始工作，但最初几年几乎是"月光族"，甚至偶尔还需要父母资助。 然而，结婚生子后，他们 的生活逐渐步入正轨，也慢慢学会了储蓄。 夫妻俩年收入30多万，扣除房贷、车贷和日常开支，每年还能存下几万元。 ...

Core Insights - The article emphasizes that having two million in savings does not guarantee financial security, as the longevity of these funds depends on three critical factors: spending habits, investment returns, and lifestyle choices [1][18]. Spending Habits - The speed of spending directly affects the lifespan of savings; lower monthly expenses can significantly extend the duration of the funds [2][4]. - For example, with a monthly expenditure of 5,000 yuan, two million can last approximately 400 months, equating to over 33 years [3]. - Conversely, with a monthly expenditure of 20,000 yuan, the funds may only last about 100 months, or just over 8 years [3]. Investment Returns - Relying solely on bank savings is insufficient in a low-interest environment; for instance, a one-year deposit at 1.15% yields only 23,000 yuan annually, which is inadequate for covering significant expenses [4]. - Investing in stable financial products or bond funds can yield annual returns of 3-5%, while stocks or mixed funds may offer returns of 8-10%, albeit with higher risk [7][8]. - A 5% annual return on two million could generate 100,000 yuan yearly, significantly alleviating monthly expenses [8][9]. Lifestyle Choices - Lifestyle significantly influences both daily expenses and unexpected costs; a frugal lifestyle can allow savings to last for decades, while a luxurious lifestyle can deplete funds rapidly [13]. - Unexpected expenses, particularly medical costs, can drastically shorten the lifespan of savings, necessitating careful planning for retirement [13]. - Recommendations for maximizing savings include detailed expense planning, prudent investment strategies, and maintaining an emergency fund [14][15][16].

Core Points - The announcement details a 1.11% reduction in shareholding by the controlling shareholder, Hongbai Chemical Co., Ltd., through block trading, resulting in a new total of 123,649,307 shares held [1][2] - The total shareholding of Hongbai Chemical, Hongbai (Asia) Group, and actual controllers decreased from 253,326,075 shares (38.96%) to 246,128,675 shares (37.86%) [1][2] - The reduction is part of a previously disclosed share reduction plan and does not trigger a mandatory tender offer or require a report on equity changes [2][3] Investment Management - The company plans to use idle funds from convertible bond proceeds for cash management, specifically investing in high-security, liquid, and capital-preserving financial products [5][6] - The total investment amount for this cash management initiative is RMB 28,000 million [6][8] - The funds will be sourced from temporarily idle convertible bond proceeds and will be invested in a six-month bank fixed deposit [7][8] Governance and Compliance - The investment decision was approved by the board and supervisory committee, ensuring compliance with relevant regulations and internal policies [5][9] - The company will continue to monitor the cash management investments and ensure they do not affect normal operations or shareholder interests [11][14] - Independent directors and the supervisory committee have the authority to oversee the use of cash management funds [12][13]