12年，给大家赚了5004亿！网友刷屏了

Core Insights - Yu'ebao has been a significant financial tool for many individuals over the past 12 years, providing a stable return and facilitating the transition from saving to diversified investment [1][4][10] Group 1: Product Overview - Launched in June 2013, Yu'ebao quickly gained popularity by offering a user-friendly experience with a minimum investment of 1 yuan and daily returns, making it accessible to the general public [1][4] - Over 12 years, Yu'ebao has generated a total of 500.4 billion yuan in earnings for its users, averaging about 100 million yuan in daily returns [4][5] - The product has evolved from a simple savings tool to a foundational asset in diversified investment strategies, with users increasingly viewing it as a "base" for their financial portfolios [9][10] Group 2: User Behavior and Trends - The new service "Cangzhe" has gained traction, allowing users to transfer funds into higher-yielding money market funds, helping them manage spending habits [3][7] - A significant portion of older users (over 80%) continue to actively use Yu'ebao, with more than 60% prioritizing stable investment options [7][9] - The concept of "New Three Golds" has emerged, where younger investors are diversifying their portfolios to include money market funds, bond funds, and gold funds, reflecting a shift in investment strategies [9][10] Group 3: Market Context - The overall money market fund market in China has seen substantial growth, surpassing 14 trillion yuan by May 2025, compared to just 2.41 trillion yuan in June 2015 [7] - With declining interest rates, traditional savings accounts have become less attractive, leading to increased interest in higher-yielding money market funds like Yu'ebao [7][9] - Yu'ebao has played a crucial role in enhancing financial literacy among the public, helping users understand basic investment concepts and fostering a culture of financial management [6][10]