Let me share the deposit interest rates with everyone!!!
From the early 1990s when deposit interest rates exceeded 10% during high inflation, to the current reality of a low growth cycle where rates generally have fallen to 1.0%-2.0%, the trajectory of interest rate decline over more than thirty years not only reflects macroeconomic changes such as the shift in economic growth rates and the downward movement of inflation levels, but also reveals the inherent shortcomings of single deposit-type assets in an environment of currency devaluation (with M2 annual growth rate exceeding 10%) and negative real interest rates (with CPI consistently at 2%-3%)—when bank deposit returns lag behind the average wealth appreciation rate in society, its function as a traditional value-preserving tool is rapidly weakening. Diversification of asset allocation has become an inevitable choice to combat the erosion of purchasing power.
