Chinanews.com, Beijing, January 5 (Liu Yi) "On the whole, the current investment status of the wealth management group is'less mature', which does not match the rapid development of the wealth management market, and the perception of ideas is clearly behind investment. Practice", a report released recently believes that "impulsive investment" and "following investment" are still widely present in the current investment performance of wealth management groups.
The "2021 Wealth Management Crowd's Financial Maturity Report" (hereinafter referred to as the "Report") builds a "financial maturity" index based on long-term follow-up research on the wealth management market and crowd-oriented research.
The "Report" is also divided according to five levels of financial management "rank". The results show that 72% of the population is in the less mature and immature "rank".
This report was co-authored by KPMG and China Merchants Bank.
Zhang Chudong, the managing partner of KPMG China's financial industry, said that as people need to make quick decisions about wealth allocation in the face of increasingly complex supply choices, the mature performance of wealth management people's wealth management concepts, product knowledge, and investment behavior has become particularly important.
"The deviation of cognition and behavior is the key factor that affects the mature performance of investors," said Wang Qiang, partner of KPMG China Financial Industry Strategic Consulting. As the level of financial maturity increases, people's cognitive and behavioral deviations will be smaller and will not be easy. Produce investment behavior beyond cognition.
How to make the investment status of the wealth management group more mature, the "Report" provides references, including in-depth information acquisition, emphasizing "asset allocation + long-term investment" and so on.
According to the "Report", nearly 60% of the "mature people" pay attention to financial information every day, and prefer in-depth information such as industry trends and policy news; 68% of the "mature people" have a product life of more than one year, which makes them not easily affected. Influenced by market sentiment, follow the trend and "chase the rise and kill the fall."
The "Report" also focuses on the different attitudes of customer segments towards wealth management.
For example, the age group is 25 to 35 years old, with the label of “can save money”, and generally less than two years of investment experience as “new wealth management forces”.
The analysis believes that this group does not have a deep understanding of the concept of asset allocation, and has a relatively concentrated position in cash and solid-income stable products. It is recommended that financial institutions adopt "trust" as the service concept and build interactive community platforms and provide intelligent services. , Embrace young customers.
Another example is the "rich silver-haired tribe" over 55 years old.
The "Report" recommends that financial institutions take "heart warming" as their service concept, and provide a full range of services to this customer group by innovating elderly care products, subdividing stage needs and building a "healthy elderly care" ecosystem.
The "Report" also reminds that the market urgently needs professional institutions to gain insight into the actual situation of customers, increase education on customer investment allocation concepts and product knowledge, and guide customers to establish a scientific concept of "long-term" value investment, focusing on their own expertise. Power helps customers understand financial management, select financial management, and invest in financial management.
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