If your savings exceed 200,000, don't just keep them in fixed deposits anymore. A multi-dimensional analysis to help you find better wealth management options.

In recent years, the willingness of domestic residents to save has continued to strengthen, with a significant increase in the scale of savings. The latest statistics show that the total amount of deposits by residents in our country has surpassed 166 trillion yuan, with per capita deposits exceeding 118,000 yuan. Behind this phenomenon, there are both the long-established saving habits of the middle-aged and elderly population—stable income and limited consumption needs—and the proactive response of the younger generation to future uncertainties—using savings to guard against sudden risks such as unemployment and illness.

In light of the rising enthusiasm for savings among residents, some banking professionals have offered specialized advice: depositors with savings exceeding 200,000 yuan may consider optimizing their asset allocation. Currently, the interest rates on fixed-term deposits have continued to decline, entering the “1 era,” while the price level has remained moderately rising during the same period, resulting in negative real interest rates and decreasing purchasing power of deposits year by year. Taking three-year fixed-term deposits as an example, their returns have become insufficient to cover the asset losses caused by inflation.

For depositors with funds reaching 200,000 yuan, large-denomination certificates of deposit (CDs) have become a better choice. These products not only offer interest rates higher than fixed-term deposits but also have transferability features, balancing the need for returns while accommodating liquidity demands. Data shows that some small and medium-sized banks offer interest rates on three-year large-denomination CDs that can reach 1.85%, significantly better than the 1.25% offered by state-owned banks for similar products.

Although high-yield investment products are attractive, market risks cannot be ignored. Data from the A-share market in 2025 indicate that the average loss per person was about 21,000 yuan, with 81.1% of retail investors experiencing losses. The fund market also performed poorly; a 71-year-old investor who invested 2 million yuan in funds ultimately suffered a loss of 850,000 yuan. Increased volatility in the bond market and the net value transformation of wealth management products have also led to the phenomenon of banks’ wealth management products breaking net value.

For depositors with different risk preferences, professionals recommend adopting a differentiated allocation strategy. Risk-averse investors may prioritize large-denomination CDs from small and medium-sized banks to maximize returns through interest rate differentials; investors with stronger risk tolerance are advised to adopt a “core + satellite” allocation model: allocating 40% of funds to safe assets like government bonds, 30% to low-risk wealth management products, and the remaining 30% to try medium-risk products such as mixed stock and bond funds, pursuing yield enhancement while controlling overall risk.