理财12年，我没伤过，也没亏过

Core Insights - The emergence of Yu'ebao in 2013 marked a significant shift in the financial landscape, making investment accessible to the general public with a low entry point of 1 yuan, thus promoting financial literacy and participation among ordinary citizens [5][12][18] - Over the past 12 years, Yu'ebao has evolved from a niche product to a mainstream financial tool, with a user base exceeding 295 million by 2016, reflecting its role in democratizing finance and enhancing household income [12][18][25] - Users have reported a positive impact on their financial habits and overall financial literacy, with many adopting diversified investment strategies beyond Yu'ebao, such as bonds and ETFs, indicating a maturation of investment behavior among younger generations [15][23][25] User Experience and Behavior - Early adopters of Yu'ebao, like Xiao Zhang, experienced a transformation in their financial mindset, moving from traditional savings to active investment, which fostered a sense of financial empowerment [15][25] - Users like Xiao Nan and Min Doctor found Yu'ebao's convenience and visible returns appealing, leading to increased engagement in personal finance and investment activities [7][9][18] - The platform's daily return visibility has created a sense of achievement and motivation for users, reinforcing the habit of saving and investing [11][18] Market Trends and Developments - The introduction of Yu'ebao coincided with a high-interest rate environment, which made its returns attractive compared to traditional savings accounts, thus accelerating its adoption [11][12] - By 2025, Yu'ebao continues to maintain a strong user base, with 80% of long-term users still actively using the platform, indicating its sustained relevance in the evolving financial landscape [18][25] - The diversification of investment products among younger users, including the rise of "new three golds" (money market funds, bond funds, and gold funds), reflects a broader trend of financial innovation and risk management in personal finance [23][25]