A massive shift is brewing in Chinese household wealth management. Between 30 and 60 trillion yuan worth of longer-term fixed deposits are maturing this year, forcing savers to make fresh allocation decisions. Here's the catch: years of consecutive interest rate cuts have made rolling that money back into banks far less appealing than it once was. This rate erosion is reshaping how people think about parking their capital in 2026—some are exploring alternatives beyond traditional banking products. It's a pivotal moment for financial diversification as economic conditions shift.