银行存款利率下调，理财“新三金” 成新宠

Group 1 - The recent reduction in deposit interest rates by major banks has led to a decline in the popularity of large-denomination certificates of deposit, with rates now not exceeding 1.4% for major banks [1][2] - A new investment trend termed "New Three Golds" is emerging, which includes money market funds, bond funds, and gold funds, particularly appealing to younger investors [1][2] - As of April 2025, 9.37 million individuals born in the 1990s and 2000s have invested in the "New Three Golds," indicating a significant shift in investment preferences [1] Group 2 - Investors are increasingly adjusting their asset allocation strategies in response to lower deposit rates and the performance benchmarks of financial products [2] - Money market funds and bond funds are gaining traction due to their relatively higher yields and liquidity advantages, while gold funds have also become popular despite their price volatility [2][4] - Experts suggest that in a declining interest rate environment, short-duration bond funds are more resilient to fluctuations, and investors should prioritize liquidity and stability in their fund selections [3] Group 3 - When investing in the "New Three Golds," it is recommended to maintain a balanced allocation of 3:5:2 among money market funds, bond funds, and gold funds to mitigate risks [3] - The current environment is seen as favorable for optimizing asset allocation, which could support rising asset prices and benefit stock and real estate markets [4] - Investors are advised to balance risk and return, adjusting their expectations for investment yields while avoiding excessive risk-taking beyond their capacity [4]