Ge Long Hui A P P·2025-08-28 03:01Group 1 - The core viewpoint of the article highlights three significant changes in residents' asset allocation behavior as stated by the Vice President of CITIC Bank, Xie Zhibin, during the bank's 2025 semi-annual performance release [1] Group 2 - The first change indicates a rotation effect in low-risk asset categories, with a noticeable migration of residents' funds towards wealth management and insurance products as deposit rates enter the 1% era [1] - The second change reflects a trend among medium to high-risk preference clients shifting from high-yield, high-volatility investments to low drawdown, high-win-rate options [1] - The third change points to an overall upgrade in residents' allocation demands, transitioning from single product purchases to diversified asset allocation [1]