存款利率全面下跌，年轻人开始流行攒「新三金」

Core Viewpoint - The article discusses the decline of traditional savings methods in light of falling interest rates, leading to a shift towards alternative investment strategies among younger individuals, particularly the "New Three Golds" approach, which includes money market funds, bond funds, and gold funds [5][8][32]. Group 1: Decline of Traditional Savings - One-year fixed deposit rates have fallen below 1%, and even demand deposit rates have dropped to 0.05%, prompting a widespread reduction in savings interest rates across banks [5][6]. - The trend of "deposit special forces" is fading as more individuals realize that traditional savings are no longer effective, with many opting to diversify their investments instead [8][9]. Group 2: Shift to Alternative Investments - Young individuals are increasingly turning to the "New Three Golds" strategy, which involves allocating funds into money market funds, bond funds, and gold funds to mitigate risks and achieve better returns [8][18]. - Data from Ant Financial indicates that as of the end of April, 9.37 million individuals from the post-90s and post-00s generations have simultaneously invested in money market funds, bond funds, and gold funds, highlighting the growing popularity of this investment strategy [18][21]. Group 3: Investment Behavior and Mindset - Investors are seeking low-risk, inflation-beating, and higher-yield alternatives to traditional bank deposits, with bond funds and gold being the most frequently mentioned options [18][32]. - The article illustrates a generational shift in financial attitudes, where younger individuals prioritize risk management and diversified investment strategies over traditional savings methods [32][38].