Core Insights - The article discusses the transformation of wealth management from product sales to wealth planning, with CICC Wealth adopting a "buy-side advisory" model to differentiate itself in a competitive market [1] - This shift is characterized as a move towards a 3.0 era of wealth management, focusing on a comprehensive, goal-oriented approach that prioritizes client needs over perfect products [2] Strategic Transformation - Wealth management has evolved from "selling products" (1.0) to "configuring assets" (2.0), and now to "planning" (3.0), emphasizing a client-centric approach [2] - The new model aligns the interests of wealth management firms with those of investors by charging fees based on the size of client assets, moving away from transaction-based commissions [2] Assessment Framework - The company is enhancing its assessment standards by focusing on "asset retention" and diversifying its product offerings, including global investments in U.S. bonds and alternative strategies [3] - Upgrading advisory capabilities is crucial, with a shift from sales to becoming true advisors who understand clients and products [3] Dual Empowerment - AI technology and globalization are key drivers for the accelerated development of the buy-side advisory model [4] - AI enhances service precision and accessibility, while globalization broadens investment options, forming the core competitive advantage in the 3.0 era [4][5] Ecosystem Development - The company aims to promote a shift in the industry from "sell-side sales" to "buy-side advisory," fostering a sustainable wealth management ecosystem [6] - Recent regulatory changes are expected to lower investor costs and encourage longer holding periods, supporting the growth of the buy-side advisory model [6]
中金财富吴显鏖：以买方投顾破局 共赴财富管理3.0新征程