“被套住了才开始研究”，买“新三金”理财的年轻人赚到钱了吗？

Group 1 - The core viewpoint of the articles highlights the shift of young investors towards conservative financial strategies, particularly the adoption of "New Three Golds" (money market funds, bond funds, and gold funds) as a middle ground between high-risk and low-return options [1] - As of April 2025, over 9 million individuals born in the 1990s and 2000s have allocated their investments into the New Three Golds, indicating a significant trend among younger generations [1] - The articles illustrate the psychological impact of investment losses on young investors, with many experiencing heightened stress and anxiety as they navigate the volatile gold market [3][6] Group 2 - The case of a young investor, referred to as Xiao Zhang, exemplifies the challenges faced by new investors, including the temptation to invest impulsively during market highs and the subsequent emotional turmoil from losses [2][3] - Xiao Zhang's initial conservative investment strategy involved placing funds in money market and bond funds, yielding an average return of approximately 2.5%, reflecting a cautious approach influenced by past family experiences with investment losses [4][5] - The articles discuss the broader trend of young individuals engaging in gold investments, often without adequate knowledge or preparation, leading to significant financial distress for some [8][14]