百万存款放银行是“下策”？另类资产开始成为香饽饽

Group 1 - The article discusses the shift in investment preferences among individuals with significant savings, particularly the trend of moving away from traditional bank deposits towards alternative assets like gold and bonds [2][3] - It highlights that the current low interest rates on bank deposits, with one-year fixed deposit rates dropping below 1% and large-denomination time deposits around 1.5%, are prompting investors to seek better returns [3][5] - The article notes that the average annualized return of bank wealth management products has decreased by 22 basis points to 2.4% as of mid-2025, indicating a significant decline in returns from traditional banking products [5] Group 2 - The article emphasizes the growing interest in bond funds and ETFs as viable investment options, with bond funds being seen as a stabilizing asset class during periods of market volatility [8] - It presents data showing that the average return of index funds was 10.33% in 2023, compared to only 3.21% for actively managed equity funds, suggesting that passive investment strategies may yield better results [8] - The article also mentions that 19 out of 42 A-share listed banks have dividend yields exceeding 4%, making bank stocks an attractive alternative to traditional savings [9] Group 3 - The article reports a significant decline in cash allocation among younger investors, with a drop from 37% to 22% in the past year, indicating a shift towards alternative assets such as real estate, private equity, and commodities [12] - It highlights the rising popularity of gold, with prices increasing over 25% in the first half of the year, driven by geopolitical and policy factors [12] - The article suggests that there is a strong inclination among Chinese investors to diversify their portfolios globally, with over half expressing interest in allocating to overseas assets [13]