The decline in interest rates is driving a change in personal finance, with an increase in demand for diversified asset allocation.

With the new round of interest rate cuts implemented, some funds are flowing into the bank wealth management sector, and investors are more inclined towards diversified asset allocation. In this context, bank wealth management "fixed income +" products are attracting investors to enter the market at an accelerated pace due to their advantages of both offense and defense. Market participants indicate that, in the current market environment, although "fixed income +" products provide opportunities for enhanced returns, they also face challenges such as gold price fluctuations and exchange rate risks.