黄金霸榜年度理财热词，年轻人更爱配置“新三金”

Core Insights - The most popular financial term for 2025 among over 20,000 respondents is "gold," reflecting a significant trend in wealth management and investment strategies [1][3]. Group 1: Gold Investment Trends - Gold prices have reached historical highs, with the London spot price peaking at $4,550 per ounce, marking a 70% increase over the year, making it one of the best-performing assets [1][3]. - The trend of investing in gold is driven by younger investors, with over 890 million users on the Ant Wealth platform engaging in gold ETF fund investments, particularly among those born after 1995 [3]. - Central banks continue to play a dominant role in gold purchases, with China's central bank increasing its gold reserves for the 13th consecutive month, adding 30,000 ounces [4]. Group 2: New Investment Strategies - The term "New Three Golds" has emerged, representing a diversified investment strategy that includes money market funds, bond funds, and gold funds, appealing particularly to younger investors [5][7]. - As of November 2025, over 21 million users have adopted the "New Three Golds" strategy, with nearly half being young investors, indicating a shift towards more rational and diversified wealth management practices [5][7]. - The Ant Wealth platform reports that investors are increasingly reallocating from bond funds to equity funds or "fixed income+" products, resulting in a 12.8% increase in perceived returns compared to holding only bond funds [7].