[Survey of 300 on Rising Interest Rates] 90% Anxious Despite Strong Preference for Deposits | Cautious Stance and Investment Appetite Coexist

In December 2025, the Bank of Japan raised its policy interest rate to 0.75%, and at the most recent monetary policy meeting on March 19, 2026, it was decided to keep the policy rate unchanged.

As responses to the policy rate progress, major banks, including megabanks, have started to raise interest rates on ordinary deposits to around 0.3%.

Meanwhile, high prices due to rising food and energy costs persist, leading to increased interest in reviewing financial management, with people wondering, 'Is it enough to just keep money in deposits?' or 'Should I be investing?'

Our asset management media, 'Manelabo,' conducted a survey on 'Deposit Preference and Financial Management' targeting men and women in their 20s and older nationwide to investigate consumer awareness and behavior during this period of rising interest rates.

Survey Overview

Survey Name: Survey on Deposit Preference and Financial Management Conducted by: Asset management media 'Manelabo' (Klik & Pay LLC) Method: Internet survey Period: April 1-3, 2026 Target: Men and women in their 20s and older nationwide Valid responses: 300

About 90% Aware of Interest Rate Hike News

When asked, 'Do you know the news that interest rates on bank deposits are rising?', the most common answer was 'I know' with 154 people (51.3%).

'I vaguely know' was also high at 113 people (37.7%), meaning a total of 267 people (89.0%) are aware of the interest rate hikes.

'I don't know' was only 33 people (11.0%), indicating that the news of rising interest rates itself is widely known.

Deposits Remain Mainstream Even with Rising Interest Rates

When asked, 'Which of the following best describes your current financial management situation?', the most common answer was 'Mainly bank deposits' with 114 people (38.0%).