Published on: 2026-06-04
Source: The People’s Republic of China in Russian –
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Beijing, June 4 /Xinhua/ — In the context of the widespread adoption of financial technologies and diversification of consumer scenarios, young people in China, who were once called “living from paycheck to paycheck” and “advocates of life on credit,” have started actively planning their finances.
In recent years, the investment combination called “the new three golds” has rapidly gained popularity among young people. Unlike the traditional “gold bracelets, gold chains, and gold rings,” the “new three golds” of today’s generation are understood to be money market funds, bond funds, and gold funds, which are characterized by low entry thresholds, ease of use, liquidity, and stability, ideally matching the youth’s desire to avoid major risks while still receiving returns from their funds.
According to data from Ant Financial, by the end of November 2025, more than 21 million users had formed their own combination of the “new Three Treasures” on this platform, with almost half of them being representatives of the ’90s generation.
29-year-old Van Tszyunyan said that every month she allocates part of her salary for financial planning. Unlike parents who put money into term deposits early or buy large savings certificates, she prefers the “new three golds.”
“I mainly buy exchange-traded funds (ETFs) investing in gold and bond funds on the Alipay online platform. I keep part of my free money in WeChat — they go into money market funds,” he said, adding that over 4 years he earned more than 3 thousand yuan (1 USD equals 6.8 yuan). “The amount is not large, but it’s pleasant.”
Senior analyst for funds at the research center for fund evaluation of the Shanghai Stock Association Sun Guipin noted that the popularization of the “new gold rush” represents an important sign of the maturation of the concept of financial planning among youth. More and more young people understand that managing finances is not a “gamble,” but managing the rhythm of their lives and planning for the future.
According to the report “Index of Financial Well-being of the New Affluent People of China by 2025”, among young people aged 18-24, the proportion of those who have a financial plan increased from 57.1% in 2021 to 71.8% in 2025.
The trend towards early financial planning among young people requires increased accessibility of information and dissemination of financial literacy. Unlike the traditional approach, which requires the purchase of investment products at a bank branch or brokerage office, young people are used to conducting all financial transactions on an internet platform or using a smartphone.
It was precisely this kind of “digital, intellectual, simplified” approach to financial management that lowered the entry threshold for young people into the “new three golds,” allowing even users without any financial education to easily manage asset allocation.
“While traveling to work on the metro in the morning, I managed to adjust my stock portfolio for the near future,” shared 25-year-old Xiao Lin, who reallocated assets using a mobile application.
According to him, buying funds is easy, you don’t need to constantly monitor the market as with stocks. You can steadily receive a small additional income, which gives a sense of confidence.
A researcher at the organization “Puyi Standard,” Zhang Czi An, said that internet platforms allow investors to conveniently form a portfolio of assets corresponding to their individual risk tolerance and to adjust it at any time – this meets the diversified and personalized needs of young people in the field of financial management.
It is worth noting that in striving to improve their well-being, young people have reconsidered their financial priorities – increasingly, they have started to align their investment decisions with their personal values.
In particular, the current generation has grown up in an era when issues of climate change, sustainable and ecological development are becoming increasingly relevant, and in this context, when choosing funds or stocks, they pay attention not only to the financial returns of companies but also to how these companies present themselves in the areas of environmental protection, fulfillment of social responsibility, and the quality of corporate governance.
Professor of finance at Nankai University Tian Lisui noted that the rise in popularity of the “new silver” marks a significant update to the concept of financial planning for youth. They have abandoned the passivity of traditional savings, moved towards actively diversified asset allocation, and integrated financial management into their everyday lives.
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