投资者直呼“挑花眼”“看不懂”！理财产品同质化内卷何解？

Core Viewpoint - The number of existing wealth management products in the market has exceeded 38,000, with over 1,900 new products launched in November alone, leading to confusion among investors due to the overwhelming variety and similarity in product names [1][3]. Group 1: Product Overload and Investor Confusion - The sheer volume of wealth management products has led to "choice paralysis" among investors, who find it difficult to differentiate products based solely on their names, which often include auspicious terms like "增利" and "幸福" [3][4]. - Many products have similar names and lack clear categorization, making it challenging for investors to assess their risk and return characteristics [4][5]. - The internal classification of products by wealth management companies is inconsistent, contributing to investor confusion [4][6]. Group 2: Industry Practices and Challenges - Wealth management institutions are engaged in intense competition for distribution channels, resulting in a proliferation of products that may not be effectively managed or differentiated [6][7]. - The current market environment, characterized by a scarcity of high-quality assets, has led to a homogenization of products, primarily focused on fixed-income strategies [6][7]. - The introduction of multiple sub-classes within products (e.g., A, B, C shares) complicates the investment landscape, making it harder for investors to compare offerings [7][8]. Group 3: Recommendations for Improvement - Industry experts suggest that wealth management firms should shift from merely expanding their product offerings to enhancing their investment strategies and advisory services [9][10]. - There is a call for a "product slimming" approach, where firms consolidate similar products and focus on clear investment strategies to improve brand recognition [10]. - Enhancing the readability and standardization of information disclosure is essential, with recommendations for unified product naming conventions to aid investor understanding [10].