理财收益持续下滑 理财“特种兵”转战“新三金”配置

Core Insights - The phenomenon of "financial special forces" reflects the challenges faced by investors in the current low-interest-rate environment, where high-frequency trading among various financial products yields minimal returns [1][2][4] - The shift from single-asset investments to diversified asset allocation is becoming increasingly important as investors seek stability and growth in their portfolios [1][6][12] Group 1: Financial Market Trends - The decline in bank deposit interest rates has led to a surge in bank wealth management products, with many investors transitioning from traditional savings to wealth management strategies [2][6] - The average performance benchmark for open-ended wealth management products decreased by 0.03 percentage points to 2.27%, while closed-end products saw a decline of 0.04 percentage points to 2.51% [4][5] - The bond market has been experiencing a weak and volatile trend, contributing to a general decline in wealth management product yields since July [4][5] Group 2: Investment Strategies - The "new three golds" investment strategy, which combines money market funds, bond funds, and gold ETFs, is gaining popularity among younger investors seeking a balanced approach to risk and return [1][7][12] - The allocation strategy for the "new three golds" typically involves 30%-40% in money market funds, 40%-50% in bond funds, and 10%-20% in gold ETFs, allowing for flexibility based on individual risk tolerance [8][10] - The "new three golds" approach has shown potential for higher returns compared to traditional fixed deposits, with estimates suggesting an additional earning of 1,500 to 3,500 yuan on a 100,000 yuan investment over a year [10][11] Group 3: Market Adaptation - The concept of diversified asset allocation is becoming mainstream among ordinary investors, moving beyond high-net-worth individuals to the general public [6][12] - The "Watanabe Wife" investment model from Japan, which emphasizes overseas investments and diversified asset allocation, is being adopted in China as a response to the low-interest-rate environment [6][12] - Recent market dynamics have led to a shift in investment preferences, with many young investors replacing gold ETFs with more growth-oriented index funds or actively managed equity funds [11][12]