What Investment Products to Buy After Interest Rate Cuts

You might not believe it, but 3-year large-denomination certificates of deposit at banks now yield only 3% annualized (usually requiring a minimum deposit of ¥200,000).

These days, I’m looking into articles, buying government bonds, and considering long-term insurance products, or moving deposits from big banks to regional banks (which typically offer about 0.1% higher rates). For homeowners, it’s often more worthwhile to prepay mortgages early—saving nearly 2% × years × mortgage balance in interest. True friends, on the other hand, charge 10% interest when lending to you (lol).

But being a bank employee is tough—you have targets for gold, funds, and other products. Some even take out loans just to meet their quotas.

After the “rate-cut wave,” how can we protect our deposits?