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报告:中国新富人群将现金类资产份额向金融投资转移
Zheng Quan Shi Bao Wang·2025-09-18 10:50

Group 1 - The report titled "2025 Wealth Health Index of China's New Affluent" was jointly released by Shanghai Jiao Tong University and Charles Schwab, aiming to track the investment behavior and wealth health of a significant economic group in China [1] - The new affluent group is defined as individuals with an annual income between 125,000 and 1,000,000 yuan and investable assets below 7 million yuan [1] - In a low-interest-rate environment, the new affluent are shifting their asset allocation from cash to higher-risk financial investments, with cash and deposits still accounting for over half of their assets, but this proportion has decreased by nearly 5 percentage points to 52.5% [1] Group 2 - The proportion of bank wealth management products has also declined, while investment in funds has seen a significant increase, with 42.6% of respondents holding funds, the highest in five years, and the average allocation to funds rising from 7.8% to 12.4% [1] - There is a slight increase in the allocation to stocks and overseas investments among the new affluent [1] Group 3 - ETF investments are gaining popularity, especially among respondents who have used investment advisory services, with high transparency and risk diversification being the main reasons for choosing ETFs [2] - Despite a desire for high returns, the risk appetite of the new affluent is becoming more conservative, with 63.1% of respondents unwilling to accept losses exceeding 10%, an increase of 13.2 percentage points from the previous year [2] Group 4 - Nearly half (48.6%) of respondents have retirement planning, with significant increases among the 25-44 age group and higher income brackets [3] - The primary method for retirement planning has shifted from regular savings to purchasing retirement insurance, indicating a growing reliance on financial investment returns rather than savings [3] Group 5 - There is a notable trust in AI-generated investment advice among the new affluent, with nearly 70% expressing high or moderate trust, particularly among those with more aggressive investment styles [3] - Individuals with over 15 years of investment experience show a preference for human services over AI [3]