The wave of resident asset reallocation is surging, with public funds honing their "Fixed Income+" strategy to unlock profits.

NightAirdropper · 2026-03-28T08:13:30+00:00

In 2026, a large-scale wave of fixed-term deposits maturing is imminent. According to institutional estimates, hundreds of trillions of yuan in fixed-term deposits will mature. The current wealth management environment has undergone fundamental changes. Against the backdrop of declining interest rates, the attractiveness of traditional deposit products has decreased, and residents' motivation to seek higher-yield assets for allocation has significantly increased. On the institutional side, how to embrace the "great wealth" has become a key focus for various asset management institutions. Journalistic investigations reveal that since the beginning of this year, many public funds have prioritized "Fixed Income + (FIC +)" as a key development direction, especially low- to medium-volatility "FIC +," attempting to capitalize on the benefits of deposit migration.

NightAirdropper

2026-03-28 08:13:30

In 2026, a wave of mass term deposit maturities is about to hit. According to estimates by institutions, about several tens of trillions of yuan in term deposits are set to mature. The current wealth-management environment has undergone fundamental changes; against the backdrop of continuously falling interest rates, the appeal of traditional deposit products has declined, and residents’ motivation to allocate toward assets with higher yields has increased significantly. On the institutional side, how to seize “windfall wealth,” has become a key question that all types of asset management firms are focused on. Journalists’ research found that since this year began, many public mutual funds have made “fixed income +” a key direction for their push—especially low- to mid-volatility “fixed income +”—in an attempt to capture the benefits of the “move from deposits” trend.

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