As the tide of high returns slowly recedes, the wealth landscape of 2026 is filled with the melancholy and pursuit of ordinary people. Deposits have entered the "1% era", and the once stable fixed income has been continuously diluted; The stock market is experiencing extreme differentiation, with some chasing hot topics with ups and downs, while others cling to values and wait patiently; Trust bids farewell to the old dream of just being redeemed, gold oscillates violently between long and short games

The sense of certainty that 'as long as you invest, you can steadily increase value' in the past is gradually dissipating. The wealth proposition of investors has shifted from "trying their best to make money" to striving for reasonable returns and holding onto their hard-earned savings. In the current era of shrinking returns and risk dispersion, this wealth defense battle tests not only the ability to choose the right time, but also the reverence for risk and the wisdom of asset allocation.