年度五大理财关键词，黄金占两席！“黄金血脉觉醒”最热

Core Insights - Ant Wealth and Xiaohongshu launched an annual financial keyword voting, with over 20,000 participants selecting five key terms: "Awakening of Gold Bloodline," "New Three Golds," "Deposit Migration," "A-share Slow Bull," and "AI Narrative Wealth Management" [1][3] Group 1: Gold Investment Trends - The price of gold is expected to continue rising, with a nearly 60% increase projected for 2025. "Awakening of Gold Bloodline" received the highest votes among the keywords [3] - Young investors are increasingly joining the "gold hoarding army," with various forms of gold investment such as gold funds, accumulated gold, and physical gold bars becoming popular choices [3] - As of early October, over 8.9 million users on the Ant Wealth platform have initiated gold ETF fund investments, with those born in the 1990s making up over 40% of this group [3] Group 2: New Investment Strategies - The term "New Three Golds" refers to a modern investment strategy that includes money market funds, bond funds, and gold funds, contrasting with traditional gold jewelry. This approach is gaining traction among young investors for its liquidity, stability, and potential returns [3] - By the end of November 2025, over 21 million users had configured their own "New Three Golds," with nearly half being young investors [3] Group 3: Financial Asset Migration - The migration of deposits to gold, funds, stock markets, and insurance reflects a trend of capital voting with its feet, emphasizing the importance of asset allocation in a low-interest-rate environment [4] - Economic experts suggest that these financial keywords indicate a growing trend of residents shifting from cash savings to financial assets, highlighting an increasing enthusiasm for financial investments and the gradual formation of asset allocation concepts [5]