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鹏华基本面投教系列 | 低利率时代下,“新三金”为何爆火?
Sou Hu Cai Jing·2025-07-03 08:16

Core Viewpoint - The trend among young investors is shifting towards a new investment strategy termed "New Three Golds," which consists of a combination of money market funds, bond funds, and gold funds, as a response to low interest rates and the desire for stable yet higher returns compared to traditional savings methods [1]. Group 1: Money Market Funds - Money market funds serve as a "cash manager" that ensures liquidity, investing in short-term, high-credit-quality bonds, thus presenting very low risk [2]. - Despite historically low average returns, money market funds still offer better yields compared to regular savings accounts and some fixed-term deposits [2]. Group 2: Bond Funds - Bond funds act as a "ballast" for stable returns, benefiting directly from declining interest rates, as bond prices move inversely to market rates [3]. - These funds primarily invest in government bonds, financial bonds, and corporate bonds, providing clear sources of interest income and capital appreciation, with lower volatility compared to equity funds [3]. - Over the long term, bond fund returns may fluctuate but generally show an upward trend, making them suitable for risk-averse investors [3]. Group 3: Gold Funds - Gold funds function as a "stabilizer" against inflation, with rising gold prices driven by increasing global uncertainties and geopolitical conflicts [4]. - They offer ordinary investors a low-cost, efficient way to participate in gold investments, allowing for flexible buying and selling based on market conditions [4]. - As of the end of April, 9.37 million individuals born in the 1990s and 2000s held money market funds, bond funds, and gold funds simultaneously on Alipay, indicating a significant shift in wealth perception among young people [4].