中信银行：居民的资产配置行为正在发生或正在经历三个比较明显的变化

Core Insights - The asset allocation behavior of residents is undergoing three significant changes [1] Group 1: Changes in Asset Allocation - There is a rotation effect in low-risk asset categories, with a noticeable migration of funds towards wealth management and insurance products as deposit rates enter the 1% era [1] - Clients with medium to high-risk preferences are shifting from high-yield, high-volatility investments to low drawdown, high-win-rate options [1] - Overall, the demand for asset allocation among residents is continuously upgrading, transitioning from single product purchases to diversified asset allocation [1]