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今年第二轮存款利率下调10月18日，多家国有银行将下调存款挂牌利率，活期存款利率降至0.1%，定期存款下降0.25%！
上一次轮存款利率下调为今年，7月25日，不到3个月，又降了！
“存款搬家”现象渐现，保险成为低风险投资者新宠，子女教育金、养老金、财富传承，挪储首选增额终身寿，感受时间带来的复利收益；（The phenomenon of "deposit migration" is gradually emerging, and insurance has become a new favorite for low-risk investors. For children's education funds, pensions, and wealth inheritance, the preferred option for transferring deposits is whole life insurance with increasing benefits, allowing investors to experience the compound interest benefits brought by time.）
高利率时代的“繁花”几近落尽，新的舞台拉开帷幕。增额终身寿险、年金险等产品因为利率相对较高，风险较低成为很多人的选择。（The "bloom" of the high-interest rate era is almost over, and a new stage is beginning. Products such as whole life insurance with increasing benefits and annuity insurance have become many people's choices due to their relatively high interest rates and low risks.）
