TENCENT(HK:00700) Sou Hu Cai Jing·2026-01-15 13:27Core Insights - Tencent's WeChat Wealth Management revealed that 98% of users achieved profitability in 2025, with users holding equity funds such as index, stock, and mixed funds achieving an annualized return of 24.8% [1][2] - Since its inception, Tencent Wealth Management users have cumulatively earned over 100 billion [2] - The introduction of a "long-term investment" section in 2025, focusing on fixed income and funds, resulted in 100% profitability for users holding investments for over a year [2] User Investment Behavior - Dollar-cost averaging has become a popular strategy among users for high-volatility equity assets, with 800 million investment orders placed in 2025; 14% of users opted for this method, rising to 26% among equity fund investors [4] - Users employing dollar-cost averaging saw a 60% higher return compared to those making one-time purchases, highlighting the effectiveness of this investment strategy [4] Membership and Cost Savings - Tencent Wealth Management upgraded its membership system in 2025, offering benefits such as exclusive financial packages, investment cards, and fee waivers for credit card repayments [5] - Nearly 3 million users received financial incentives, including discounts on subscription fees and various savings coupons, enhancing the service's value proposition [5] Institutional Collaboration and Content Services - The collaboration with Huatai-PineBridge Fund has strengthened user investment decisions, with a focus on high-yield investment markets and the growth of public fund scales [6][8] - The platform utilizes WeChat's ecosystem to enhance financial literacy and investment decision-making through various content formats, including live broadcasts and articles from finance influencers [8][10] Service Innovation and User Experience - Tencent Wealth Management continues to innovate its services, launching features like "hot opportunities," "index hot lists," and "index gain lists" to assist users in making informed investment decisions [10] - The introduction of unique features such as family accounts and AI-driven investment tools aims to enrich the user experience and provide comprehensive financial services [10]