胡润研究院：中国高净值人群增配防御性与弹性资产

Core Insights - The report highlights a trend among high-net-worth individuals (HNWIs) in China towards increasing allocations in defensive and flexible assets, with insurance assets playing a crucial foundational role [1] Group 1: Survey Overview - A survey conducted by WanTong Insurance and Hurun Research Institute involved 500 high-net-worth individuals to explore their financial asset allocation, overseas investment strategies, financial institution preferences, and insurance needs [1] - The average age of respondents is 44 years, with an average family net worth of 37 million RMB [1] Group 2: Asset Allocation Trends - HNWIs typically hold 5 to 6 different types of financial products, forming a "pyramid" of asset allocation centered around bank products, insurance, and stocks [1] - In the coming year, the top three asset classes that this group plans to increase allocations to are insurance (47%), gold (42%), and stocks (34%) [1] Group 3: Insurance as a Core Asset - Insurance is becoming a cornerstone in the asset allocation pyramid, with the average annual premium expenditure for high-net-worth families being 590,000 RMB [1] - 56% of high-net-worth individuals plan to increase their allocation to overseas financial products, focusing on building an asset portfolio centered around insurance, with an emphasis on wealth planning and inheritance [1] Group 4: Market Implications - The strategies and practices of China's high-net-worth individuals in wealth management are seen as important market indicators, reflecting investment logic and allocation strategies formed in uncertain environments [1]