蚂蚁、天天基金、京东等巨头，出手了！

Group 1: Industry Trends - Leading fund distribution platforms are shifting focus from scale competition to enhancing investor experience and long-term satisfaction [1][11] - Major platforms like Ant Group, Tiantian Fund, and JD.com are actively restructuring product labels and selection systems to better align with user perspectives [1][2][10] - The introduction of performance benchmarks and multi-dimensional data aims to increase transparency in investment decisions [6][9] Group 2: Ant Group's Strategy - Ant Group's fund selection has introduced a new "can rise and resist fall" category, emphasizing volatility metrics such as historical average volatility and maximum drawdown [2][5] - The platform has enhanced its fund labeling system to categorize funds based on investment style and holdings, improving investor understanding and experience [5][12] - Ant Group's "Jin Xuan" has upgraded its methodology to provide objective and transparent fund analysis, encouraging diversified asset allocation [5][12] Group 3: Tiantian Fund's Innovations - Tiantian Fund has incorporated performance benchmarks and investor returns data to present a clearer picture of fund performance and operational characteristics [6][9] - The platform has launched a "superior zone" to identify funds with sustainable excess return potential through rigorous quantitative and qualitative analysis [9][12] - Tiantian Fund aims to enhance long-term investor experience by providing comprehensive decision-making references [9] Group 4: JD.com's AI Integration - JD.com is exploring a TAMP (Total Asset Management Platform) model, leveraging AI to reshape the wealth management ecosystem [10] - The platform reported significant growth in various asset categories, including an 82% increase in equity holdings and a 241% increase in personal pension holdings [10] - JD.com plans to enhance its core capabilities through user insights and behavior analysis, aiming for a more personalized service approach [10] Group 5: Overall Industry Transformation - The industry is transitioning from a sales-driven model to a client-centric advisory approach, focusing on long-term returns rather than short-term sales [11][12] - There is a push for a more responsible sales model that prioritizes investor needs and experiences, fostering a sustainable development cycle for the market [13] - The transformation emphasizes the importance of aligning sales practices with genuine investor demands to improve overall investment experiences [13]