信银理财王洪栋：迎战低利率时代 “固收+多资产多策略”成破局关键

Core Insights - The wealth management industry is facing profound challenges due to a low interest rate environment, leading to a mismatch between client demand for low-volatility, stable products and the reality of reduced asset yields and increased volatility [1][2] - The industry consensus is that "fixed income + multi-asset multi-strategy" is the key solution to current challenges, allowing for diversified risk management and capturing yield opportunities in various market conditions [3] Industry Trends - Wealth management institutions are increasingly involved in the backend of investment, focusing on the development of investment strategies driven by client demand for low-risk, absolute return products [2] - There is a trend towards product customization and the creation of low-volatility products to meet client preferences, which also reduces sales difficulty and complaint rates [2] - Banks are accelerating the search for and allocation of low-volatility assets, increasing the proportion of deposits, interbank certificates of deposit, and structured bonds in their product mix [2] Strategic Solutions - The "fixed income + multi-asset multi-strategy" approach is recognized as essential for addressing the current low yield environment, enabling risk diversification and enhanced returns through optimized asset management [3] - Challenges in implementing this strategy include asset selection, defining specific investment strategies for each asset class, and effective asset allocation and rebalancing [3] Company Practices - The company has developed a diversified product system, with a product management scale exceeding 2.3 trillion yuan, positioning itself among the market leaders [4][5] - The company has established two professional teams for portfolio and strategy management, covering a wide range of strategies to create a clear risk-return gradient in its product matrix [5] - The company offers standardized investment advisory services that enhance client experience through various stages of product creation and management [5]