利率跌破1%，“收蛋”的年轻人多了

Core Viewpoint - The recent decline in deposit rates among major state-owned banks has led to a shift in consumer behavior, with many opting to move their funds into alternative investment vehicles rather than renewing deposits [1][3]. Group 1: Deposit Rate Trends - Major state-owned banks have seen their one-year fixed deposit rates drop below 1%, while the interest rate for demand deposits has fallen to as low as 0.05% [1]. - In April 2025, household deposits decreased by 1.39 trillion yuan, while deposits in non-bank financial institutions increased by 1.57 trillion yuan, reflecting a shift in financial management strategies [3][4]. Group 2: Changing Investment Preferences - A new trend termed "new three golds" has emerged among younger generations, with 9.37 million individuals from the post-90s and post-00s generations diversifying their investments into money market funds, bond funds, and gold funds [6]. - Young investors are increasingly favoring flexible investment options like Yu'ebao, which offers similar returns to bank deposits but with greater liquidity [6]. Group 3: Investment Strategies and Community Engagement - Investors are encouraged to adopt a diversified approach to asset allocation, with recommendations to allocate funds in a 3:5:2 ratio among money market funds, bond funds, and gold funds to mitigate risks [8]. - The low-interest-rate environment has spurred a surge in financial literacy, with many individuals participating in online communities to share investment experiences and strategies [8][9].