In 2026, where should your money go? At the start of 2026, are you also struggling with the question of "where to put your money"? With deposit interest rates dropping again, keeping money in the bank is no longer cost-effective. How should you allocate your assets for yourself and your family?

The Central Economic Work Conference clearly states that in 2026, a moderately loose monetary policy will be implemented to strive for economic and social development goals. This means interest rates may continue to decline, and the economy will grow steadily.

How can ordinary people make good asset allocations based on these policies and market trends? Actually, choosing the right assets in 2026 is very important because the performance of different assets can vary greatly. If you choose incorrectly, growth potential will be limited.

1. Confirm bullish outlook: Three types of assets worth allocating

First are the A-share market and index funds.

A declining interest rate means increased market liquidity, which is clearly positive for the stock market. Additionally, with GDP growth possibly maintaining around 4.5%-5%, the performance of major industries and leading companies is expected to grow accordingly.

Specifically, industries such as semiconductors, pharmaceuticals, and finance—those prioritized by policies and needed by the market—are likely to see expansion.

For example, prioritize allocation to broad-based ETFs tracking the market, such as the CSI 300 index fund; secondly, ETFs focused on specific industries like semiconductors and pharmaceuticals; and also consider high-quality bank stocks with higher dividend payouts.

Next are bulk commodities like black metals and non-ferrous metals.

Economic development will accelerate industrial production, and combined with the impact of capacity reduction in previous years, market supply is decreasing. From black metals like steel to non-ferrous metals like copper and aluminum, supply and demand will become more balanced, and commodity prices are expected to rebound.

Energy-related industries are likely to continue warming and improving in 2026, entering an economic recovery cycle.

Finally, basic consumer industries such as food and catering.

Economic recovery, declining interest rates, and monetary expansion will drive prices to rise reasonably. Food, catering, and other basic consumer sectors are expected to see noticeable recovery and growth in 2026, with the performance and investment value of related listed companies also improving.

2. Controversy exists: Be cautious with gold and real estate

Gold prices rose from $1,800 per ounce in 2023 to a peak of $4,300 in 2025. Many worry about a decline in 2026. However, global central banks are still increasing gold reserves, geopolitical conflicts have not decreased, and gold’s safe-haven value remains solid. Short-term fluctuations are possible, but a collapse is unlikely.

Real estate prices are the hardest to judge. Sales of new commercial housing have fallen for four consecutive years, and in most cities, second-hand home prices have dropped by 40% or more. Unless there are major policy moves, such as mortgage interest subsidies, relaxed housing fund withdrawals, or tax reductions, housing prices in the first half of 2026 may still remain sluggish.

3. Confirm bearish outlook: Savings and bonds are not cost-effective

A moderately loose monetary policy means interest rates will continue to decline. The interest rates on RMB deposits and bonds are likely to fall, making these two asset classes less attractive. Keeping money in the bank will not beat inflation#我的2026第一条帖