《试点六周年 基金投顾业务发展白皮书》

Group 1 - The core viewpoint of the report is that the fund advisory industry is entering a "year of diversified strategies" due to market recovery and increased investor risk appetite in 2025 [2] - The report highlights significant improvements in user experience and satisfaction, particularly in helping users overcome the "herding behavior" of chasing highs and selling lows [2] - The analysis based on national survey data indicates that household income structures are stable, with wages being the primary source, and that financial asset allocation is becoming more diversified, especially in first-tier cities [2] Group 2 - The report suggests that consumption is rebounding overall, with the highest spending observed in first-tier cities, and different age groups prioritizing different areas such as entertainment, education, and basic living needs [2] - It emphasizes that improving employment stability is a key factor in enhancing consumer expectations [2] - Recommendations include optimizing housing finance, launching inclusive wealth management, strengthening flexible employment protections, and stimulating consumption across all age groups to solidify the recovery trend [2]