Young people in China have massively adopted the "new three gold" strategy

The younger generation of Chinese residents, who were previously characterized as supporters of living on credit, have switched to active financial planning and investments in the "new three gold" strategy. Xinhua writes about this on June 1.

According to the report "Financial Well-being Index of China's New Wealthy People for 2025," among young people aged 18-24, the proportion of those with a clear financial plan increased from 57.1% in 2021 to 71.8% in 2025. The modern "new three gold" concept has replaced the traditional gold bracelets, chains and rings. Now this term refers to investments in money market funds, bond funds, and gold funds, which are characterized by a low entry threshold and stability.

Sun Guiping, an analyst at the Shanghai Stock Association's Fund Evaluation research Center, noted that the popularization of new tools is a sign of the maturation of the concept of money management.

"More and more young people are realizing that financial management is not a gambling game, but rather managing the rhythm of their lives and planning for the future," the expert said.

Experts attribute the popularity of this approach to digitalization and the availability of information. Young people prefer to make transactions via smartphones and Internet platforms, which allows them to distribute assets without special education. Zhang Jinghan, a researcher at Puyi Standard, emphasized that online platforms allow users to adapt their portfolio to individual risk tolerance.

In addition, when choosing assets, the modern generation has become more likely to take into account the social responsibility of companies and their environmental performance. As noted by Tian Lihui, professor of finance at Nankai University, the growing popularity of new investment instruments marks the rejection of passive savings by young people in favor of an active and diversified asset allocation. According to him, financial management has become a part of daily life for young people.

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