新财观｜构建真正“以客户为中心”的买方投顾体系

Group 1 - The core idea of investment is not merely to make money, but to achieve life goals, as money is just a resource for realizing those goals [1] - The wealth management industry faces a significant issue where most ordinary investors do not clearly understand their investment objectives, often chasing high-risk, high-reward products without a solid foundation [1] - The supply side of investment products is also problematic, as firms aim to create attractive product performance metrics, leading to unsustainable growth despite regulatory constraints [1] Group 2 - The key to breaking the current deadlock in wealth management lies in establishing a truly "client-centered" investment advisory system that aligns investment goals with life planning [2] - Wealth management institutions need to help clients clarify their life goals to prevent their investment objectives from becoming misaligned or drifting [2] - A successful investment advisory approach should involve understanding clients' life responsibilities and financial situations to derive tailored financial needs and investment goals for different life stages [2]