全网都在聊“存款到期潮”，“搬家”的存款该往哪放？

Core Viewpoint - The article discusses the impending maturity of over 50 trillion yuan in long-term deposits by 2026, prompting investors to seek alternatives for stable returns beyond traditional bank deposits [1] Group 1: Investment Alternatives - Low-volatility public funds are expected to attract funds moving away from deposits [2] - Options include money market funds and short-term bond funds, which offer better liquidity and expected returns than current savings accounts [3] - "Fixed income +" funds, which include secondary bond funds and mixed bond funds, aim for excess returns by participating in equities or convertible bonds [3] - Low-volatility multi-asset products, such as low-volatility target risk funds in public fund of funds (FOF), are suitable for conservative investors seeking stable returns [3] Group 2: Performance Benchmarks - Fund performance benchmarks are multi-asset, weighted calculations, while bank wealth management benchmarks are typically a fixed value or range [4] - The fund benchmark serves to clarify risk-return sources and helps investors understand strategy logic, while also providing clear investment boundaries for fund managers [4] Group 3: Fund Types and Investor Profiles - "Fixed income +" is seen as an upgraded version of wealth management, with 70%-90% of assets in fixed income and 10%-30% in equities or alternative assets [5] - FOFs are designed to reduce risk through diversification by investing in a basket of funds, suitable for investors seeking a one-stop management solution [5] - Conservative investors are recommended to start with low-volatility FOFs and gradually increase equity exposure based on risk tolerance [6] Group 4: Expected Returns - In 2025, secondary bond funds in the "fixed income +" category are projected to yield an average return of 5.6% with a maximum drawdown of 1.6% [7] - Mixed bond funds are expected to have an average return of 6.5% with a maximum drawdown of 2.3% [7] - Convertible bond funds are anticipated to perform well, with a projected index increase of 21% in 2025 [7] Group 5: Market Dynamics - The occurrence of purchase limits on some "fixed income +" and FOF products indicates high demand but does not guarantee future performance [8] - Investors are advised to align their choices with their risk tolerance rather than following market trends blindly [8] Group 6: Advice for New Investors - New investors should only use idle funds for investment, set stop-loss limits, and avoid blindly following popular investment strategies [9] - Emphasizing a contrarian investment approach, investors are encouraged to buy during market panic and remain calm during optimistic market conditions [9]