Wealth Management Income Path and History Science
Data is rational. By observing the interest trajectory over the past 5 years, we can make more robust capital allocation decisions by gaining a clearer understanding of the current interest rate environment.
Core Deposit Instrument Earnings Trends for the Past 5 Years
Why focus on the earnings trajectory?
Choosing a deposit period is a game against time. Historical data tells us:
01 ① Term compensation principle
Term compensation: The yield of long-term fixed deposits is always significantly higher than that of current deposits, and the stability is excellent.
02 ② Opportunity cost alert
Opportunity cost: Holding too much current capital means you are losing 1-2% of potentially stable compound interest.
03 ③ Cyclical law of interest rates
Cycle Law: When interest rates are in a downward cycle, locking in long-term assets is the core logic of asset preservation.
Comparison Table of Core Properties of Mainstream Deposit Instruments
| Types of products | Liquidity | Earnings Stability |
|---|---|---|
| Current deposits | Excellent (real-time) | Dynamic fluctuations |
| 1 year recurring | General (Locked) | Short-term contract lockup |
| 3-5 years on a regular basis | Low (locked) | Long-term lock-in high interest rates |
| Yu Li Bao/Yu E Bao | Excellent (T +0) | Day-to-day fluctuations (medium) |
Start your strategic savings journey
Do not let idle funds shrink quietly in the current account. With the ladder method and the twelve deposit certificate method, you can balance maximum interest and annual liquidity.