Group 1 - The core viewpoint is that declining deposit rates are prompting investors to seek alternative investment options, leading to a diversification of savings into various asset classes [1][3] - There is a notable shift in public wealth management from relying solely on deposits to a more diversified asset allocation strategy, with fund distribution agencies proactively guiding investors in this transition [1][2] - The "new three golds" strategy is gaining traction among younger investors, encouraging them to allocate funds across money market funds, bond funds, and gold ETFs for a diversified investment approach [2] Group 2 - The "fixed income plus" products are becoming increasingly popular among conservative investors, indicating a trend towards these assets as a response to low interest rates [3] - Investors are becoming more accepting of slight fluctuations in their investments in exchange for higher returns, making "fixed income plus" products a key vehicle for reallocating funds [3] - It is advised that investors transitioning to "fixed income plus" products should balance yield and risk, with recommendations to allocate less frequently used funds to these funds for smoother net value fluctuations [3]