Bitcoin Investment vs. State-owned Bank Fixed Deposits: Why BTC Wins Hands Down?
1. Yield Comparison: BTC Annualized Returns Far Exceed Bank Fixed Deposits
State-owned Bank Fixed Deposit Rates (2024)
1-year Fixed Deposit: Approximately 1.5%~2.0% (Big Four Banks)
3-year Fixed Deposit: Approximately 2.5%~3.0% (Some Small and Medium Banks Slightly Higher)
5-year Fixed Deposit: Approximately 2.75%~3.25%
Issue:
Fails to Outpace Inflation (China's CPI has long been around 2%~3%, resulting in a decline in actual purchasing power).
Interest Rates Continuously Declining (Over the past 10 years, bank rates have fallen from 5%+ to around 2%).
Bitcoin Investment Returns (2024)
Spot Holding (HODL):
Over the past 10 years, BTC annualized return rate > 100% (from 100 to 70,000+).
Even during bear markets, long-term holders still significantly outperform bank fixed deposits.
BTC Investment (Lending/Staking/Arbitrage):
Lending Returns (e.g., Binance, OKX, etc.): Annualized 3%~10% (USDT denominated).
BTC Staking (e.g., WBTC, Lido): Annualized 5%~15% (DeFi Market).
Arbitrage/Grid Trading: Annualized 10%~30%+ (depending on strategy).
Conclusion:
✅ BTC investment returns are 5~10 times that of bank fixed deposits, or even higher!