“不存钱了”，年轻人买爆“新三金”

Core Insights - The recent fluctuations in gold prices have sparked a significant interest among young investors, leading them to explore new asset allocation strategies, particularly the "New Three Gold" approach, which includes money market funds, bond funds, and gold funds [3][14][23]. Group 1: Gold Market Trends - On October 24, spot gold prices fell below $4,100 per ounce, marking a 0.64% decline [2]. - Following a significant drop of 5.31% on October 21, which was the largest single-day decline in nearly 12 years, gold prices have continued to decrease, approaching the psychological threshold of $4,000 per ounce [3]. - Despite the recent price corrections, consumer interest in purchasing gold remains strong, with many buyers undeterred by price fluctuations [4][6]. Group 2: Young Investors' Behavior - Young investors are increasingly shifting their focus from traditional gold jewelry to financial instruments, actively engaging in the "New Three Gold" investment strategy [14][23]. - Data from Ant Financial indicates that as of April 2025, 9.37 million users born in the 1990s and 2000s are simultaneously investing in money market funds, bond funds, and gold funds, representing a year-on-year growth of over 35% [17]. - The rise of the "New Three Gold" strategy is attributed to the transition from traditional banking to online investment platforms, allowing easier access to financial information [17][21]. Group 3: Consumer Behavior and E-commerce - Gold has become a popular item during e-commerce promotions, such as the Double Eleven shopping festival, with platforms offering subsidies and discounts to attract buyers [8][11]. - Consumers are increasingly motivated by the perceived value and price competitiveness of gold purchases, often utilizing online tools to compare prices and maximize their investment [13][24]. - The trend of "low-energy money-making" reflects a shift in young people's financial strategies, focusing on diversified investments to mitigate risks while seeking reasonable returns [24].