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E50 低利率时代,我的定期存款到期了,这笔钱该怎么办?

March 16, 2026 · 47 min

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📙《投资 ABC》是一档由有知有行出品的播客节目。每一期,我们会用 20 分钟左右的时间,和常驻嘉宾陈鹏博士一起,为你讲清楚投资中的一个基本概念,帮助你快速掌握投资中那些绕不开的知识,打好基础。在新一季节目中,我们将围绕当下投资者最关心、最困惑的问题,从科学投资的角度出发,结合历史数据与经验,为大家答疑解惑。
大家好,欢迎回来《投资 ABC》,我是 Amiee。
前段时间,我和有知有行运营组的傅强老师聊天时,他提到,最近有很多投资人的三年期银行定存,正在陆续到期。2023 年存进去时,利率大概在 3% 左右;但现在转存,只有 1.25% 左右,利息少了将近一半。
为了了解大家真实的困惑,傅强老师在春节前一对一访谈了 20 多位用户。他发现,大家的问题,其实都指向同一件事:在低利率的情况下,我还要继续转存吗?如果不转存,有哪些其他风险不高的产品,是我可以考虑的?
所以这一期节目,我们就请傅强...去小宇宙查看完整单集简介
在小宇宙查看该单集文稿

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