线上黄金投资走俏，年轻投资者热衷分散配置“新三金”

Core Insights - Gold prices are experiencing high volatility, yet the investment enthusiasm remains strong, particularly among younger investors who favor rational investment strategies like regular contributions and asset allocation [1][7][9] Group 1: Investment Trends - Over 8.9 million users have initiated gold ETF regular investments on the Ant Wealth platform, with over 40% of these users being born after 1995 [1][9] - The number of young investors (those born in the 90s and 00s) diversifying their portfolios with money market funds, bond funds, and gold funds, referred to as the "new three golds," has reached nearly 10 million [1][9] - Following the National Day holiday, over 9.4 million searches for "gold" were recorded on Alipay, a fivefold increase compared to the same period last year [7][8] Group 2: Market Dynamics - On October 14, gold prices surpassed $4,200 per ounce for the first time, leading to over a million visits to the Industrial and Commercial Bank's gold accumulation page on Alipay [7][8] - The popularity of online AI services has contributed to the growth of online gold investment, with inquiries about gold to the AI financial assistant increasing by 180% after the National Day holiday [8] - Global central banks have increased their gold reserves, surpassing U.S. Treasury holdings, driven by factors such as currency overproduction and rising U.S. debt, which enhances gold's appeal as a risk-free asset [8] Group 3: Investor Behavior - Young investors are increasingly adopting systematic investment approaches, with an average holding period of 1,750 days for gold ETF investors on the Ant Wealth platform [9] - A case study of a user who began investing in gold ETFs two years ago shows a return exceeding 40%, highlighting the potential for long-term gains despite short-term price fluctuations [9][10] - Financial experts recommend that investors should make decisions based on their investment goals and risk tolerance, advocating for diversified portfolios that include low-risk assets alongside gold [10]