中欧财富发布2025基金投顾白皮书：纪律性投资助用户收获更好体验

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][23] - Investors increasingly value both the 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, and longer holding periods [2][23] - 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 [2][23] Investment Experience - Fund advisory users have reported better investment experiences, with 75% achieving superior one-year returns compared to single fund users, and an average return advantage of approximately 2.2% [5][10] - The white paper indicates that users participating in fund advisory services perceive a better holding experience compared to direct investments in single funds [8][10] Market Trends and Expectations - As the A-share market recovers, over 50% of users expect returns exceeding 10% in 2026, with an overall increase in risk appetite while maintaining a strong demand for diversified asset allocation [14][21] - The white paper highlights that low-volatility, low-drawdown products are favored by investors, leading to longer holding periods and better retention rates [21][22] Future Outlook - The fund advisory industry is entering a new development phase, with ongoing policy support expected to enhance the business landscape, transitioning from pilot to regular operations [23]