中欧财富2025基金投顾白皮书重磅出炉 控波动成用户核心诉求

Core Insights - The "2025 White Paper on the Development of Fund Advisory Business" was released, marking the sixth consecutive year of publication by Zhongou Wealth, showcasing user research data and trading behavior analysis to explore investment advisory solutions that meet real user needs [1][24] - The white paper indicates that more investors are recognizing the importance of both investment experience and final returns, with a focus on volatility control, leading to over 90% of clients preferring diversified asset allocation strategies [1][11] User Behavior Analysis - Fund advisory users exhibit healthier investment behaviors compared to single fund users, characterized by diversified asset allocation, contrarian trading strategies, and longer holding periods [2][10] - Fund advisory users tend to increase equity strategy allocations during market lows and shift to fixed income strategies during market highs, avoiding irrational investment behaviors like "chasing highs" [2][10] Investment Experience - Fund advisory users have reported better investment experiences, with 75% of them achieving superior returns compared to single fund users over a one-year holding period, with an average gain of approximately 2.2% [5][10] - The white paper's survey results indicate that most fund advisory participants feel they have a better holding experience compared to direct investments in single funds [8][10] Market Trends and Investor Sentiment - As the A-share market recovers, investors are optimistic about future investments, with over 50% expecting returns above 10% in 2026, while still maintaining a strong demand for diversified asset allocation to mitigate concentration risks [11][14] - The white paper highlights that low-volatility, low-drawdown products are preferred by investors, leading to longer holding periods for these strategies [21][22] Future Outlook - The fund advisory industry is entering a new development phase, supported by ongoing policy initiatives, with a shift towards making fund advisory services more accessible to the general public [23][24] - Zhongou Wealth aims to continue enhancing investor profit experiences and providing quality wealth management services in collaboration with industry partners [23][24]