工银理财宋禹君：理财公司以多样化、多层次的产品布局，承接居民财富需求

Core Insights - The forum discussed the reallocation of residents' deposits and the strategies of wealth management companies in the context of a changing financial landscape [1] Group 1: Factors Influencing Deposit Reallocation - The reallocation of residents' deposits is driven by multiple factors, including a continuous decline in social interest rates, which supports the development of the real economy [3] - The emergence of diverse investment opportunities in capital and commodity markets, such as A-shares, Hong Kong stocks, and precious metals like silver and copper, is attracting residents to seek diversified investments for better asset preservation and appreciation [3] - The increasingly rich ecosystem of the asset management industry allows wealth management companies to offer comprehensive financial options to clients [3] Group 2: Wealth Management Product Landscape - The current scale of bank wealth management products has reached 32.13 trillion yuan, showcasing significant scale advantages [3] - Wealth management companies are committed to providing higher quality products and improving performance returns to help residents preserve and grow their wealth, aligning with the mission of inclusive finance [3] - Wealth management products are characterized by low volatility and stability, aiming to create favorable returns for clients while effectively controlling drawdowns [3] Group 3: Risk Levels and Product Offerings - The risk levels of existing wealth management products are categorized into five levels (R1 to R5), with R1 being the lowest risk suitable for deposit migration clients [4] - Leading wealth management companies, including ICBC Wealth Management, have achieved a comprehensive product layout across all risk levels, terms, strategies, and underlying assets [4] - In addition to R1 products, pure bond and "fixed income plus" products are available for clients with higher risk tolerance, with a wide range of investable categories including A-shares, Hong Kong stocks, preferred stocks, REITs, US stocks and bonds, commodities, and futures options [4]