超2100万用户配置了“新三金”！蚂蚁财富、小红书发布2025年理财关键词

Core Insights - In 2025, declining deposit rates and rising gold prices are leading to a significant shift in public investment awareness, with keywords like "Golden Blood Awakening" and "New Three Golds" gaining popularity among young investors [1][5]. Group 1: Golden Blood Awakening - The term "Golden Blood Awakening" received the highest votes in the annual financial keyword poll, reflecting a surge in young people's interest in gold investments, including gold funds, accumulation gold, and physical gold bars [2][6]. - As of early October, over 8.9 million users on the Ant Wealth platform have initiated gold ETF fund investments, with those born after 1995 making up over 40% of this group [7]. - The People's Bank of China has increased its gold reserves for the 13th consecutive month, adding 30,000 ounces, while household deposits decreased by 1.34 trillion yuan in October [7]. Group 2: New Three Golds - The "New Three Golds" concept, which includes money market funds, bond funds, and gold funds, is becoming a popular method for young people to manage their finances, balancing liquidity, stability, and potential returns [4][8]. - By the end of November 2025, over 21 million users on the Ant Wealth platform had configured their own "New Three Golds," with nearly half being young investors [8]. - A 95-born investor shared their strategy of dividing funds into three parts: daily expenses in money market funds and bank wealth management, long-term investments in bond funds, and a portion in gold, index funds, and A-shares, emphasizing the benefits of diversification [8].