利率迈入“0字头”时代，“新三金”配置成年轻人理财新选择

Core Viewpoint - The article discusses the emergence of a new asset allocation strategy called "New Three Golds," which includes money market funds, bond funds, and gold ETFs, particularly among the younger generation in response to declining deposit interest rates [1][2][3]. Group 1: Market Trends - Major state-owned banks have recently removed five-year large-denomination certificates of deposit, and the interest rates for three-year deposits have dropped to a range of 1.5% to 1.75% [1][3]. - The current low interest rate environment has led to a shift in residents' asset allocation behavior, with a growing interest in investment and wealth management among the public [3][4]. - As of October 2025, household deposits decreased by 1.34 trillion yuan, while deposits in non-bank financial institutions increased by 1.85 trillion yuan, indicating a movement of funds from traditional savings to investment markets [3]. Group 2: Young Investors' Behavior - Over 9.37 million individuals born in the 1990s and 2000s have adopted the "New Three Golds" strategy on the Ant Financial platform by the end of April 2025 [2]. - Discussions about asset allocation strategies, including "New Three Golds," are increasingly popular in online communities frequented by young people [2]. - Young investors are shifting from relying on deposit interest to actively seeking diversified asset allocations, reflecting a change in financial awareness and behavior [5][7]. Group 3: Financial Institutions' Response - Financial institutions are encouraged to adapt their strategies to align with the preferences of young investors by developing more intelligent and scenario-based financial products [6]. - Suggestions include lowering investment thresholds and enhancing operational flexibility to attract younger clients [6]. - The wealth management industry is transitioning from a product-centric model to a customer-centric approach, focusing on personalized asset allocation solutions [7].