存款利率跌破1%!金价3300、比特币11万,如零利率来临普通人怎么办

Core Viewpoint - The article discusses the challenges posed by a low-interest-rate environment and suggests various asset allocation strategies to mitigate inflation pressure and enhance returns in such conditions [1][3][7]. Group 1: Financial Environment - The global financial environment is becoming increasingly complex, with many individuals struggling to keep pace [1]. - Japan's zero interest rate policy since 1999 and Europe's negative interest rates since 2014 have led to a shift in asset allocation strategies among residents [1][3]. Group 2: Current Market Conditions - Gold prices have reached $3,300, and Bitcoin has surged to $110,000, while deposit interest rates have fallen below 1%, creating significant pressure on traditional savings [3]. - Major domestic banks have collectively lowered deposit rates, with one-year fixed deposit rates dropping below 1% [3]. Group 3: Asset Allocation Strategies - Personal asset management should follow a "three-part method" for diversified asset allocation [3]. - Short-term liquidity should be managed through money market funds or T+0 cash management products, with annualized rates around 1% [3]. - High-dividend stocks and REITs are recommended for stable income, with average dividend rates of approximately 3% for domestic ETFs and up to 7% for Hong Kong's high-dividend ETFs [5]. - A combination of government bonds, convertible bonds, and high-rated corporate bonds can target around 3% returns, with domestic options including policy financial bond funds and convertible bond index funds [5]. - Long-term guaranteed income can be achieved through life insurance products offering around 3% returns, although recent trends show a decline in guaranteed rates [5][7]. Group 4: Global Asset Diversification - Investors concerned about currency depreciation are advised to consider QDII index funds and gold ETFs for international asset diversification and commodity risk hedging [5]. - The article emphasizes the need for a multi-faceted investment strategy to adapt to the low-interest-rate environment and ensure asset preservation and growth [7].