Core Viewpoint - The trend of "active financial planning" is gaining momentum among Chinese citizens, with a growing consensus across various age groups and professions on the importance of saving money [1][2]. Group 1: Saving Trends - Saving money is becoming a common choice across all age groups, with office workers saving salary leftovers, homemakers saving for children's futures, retirees seeking stable pension storage, and young people diversifying their savings methods [2]. - The People's Bank of China reported that in 2025, new household deposits increased by 110 billion, a year-on-year decrease of 600 billion, indicating a significant "deposit migration" from traditional bank savings to non-bank investment and asset management products [2]. Group 2: Upgraded Saving Methods - The upgrade of Yu'ebao aligns with the nationwide saving trend, evolving from a simple "spending account" to a comprehensive "saving toolkit" that includes features for saving pocket money, earning returns, investing in gold, and fixed-term savings [2][5]. - The new features of Yu'ebao cater to various saving needs, making it a practical tool for everyday users seeking to manage their finances effectively [2][5]. Group 3: Specific Saving Features - The "spending money" feature serves as a basic liquidity option, allowing users to store daily pocket money while earning better returns than traditional bank savings [5][6]. - The "gold saving" feature is particularly popular among young people, enabling them to invest in gold gradually without needing large sums upfront, thus participating in the gold market easily [5]. - The "fixed-term saving" option is designed for those with idle funds seeking stable returns without taking on risks, offering various lock-in periods [6]. - The "earnings saving" feature targets users looking for higher returns, with a historical positive yield and options for different lock-in periods, providing a reliable way to increase savings [6].