基金投顾六周年，管理规模扩容与投顾能力升级并行

Core Insights - The article highlights the significant growth and evolution of the fund advisory business in China over the past six years, emphasizing improvements in management scale and advisory capabilities, leading to enhanced investor experiences [2][3][5]. Group 1: Evolution of Fund Advisory - The fund advisory business has transitioned from a pilot program to a mature development phase, with a notable increase in the number of advisory institutions and their management scale [3][13]. - The advisory capabilities have evolved from providing basic fund combinations to offering diversified strategies that include various asset classes such as equities, bonds, and overseas investments [6][9]. - The industry has seen a shift from standardized services to personalized advisory services that cover all stages of investment [6][9]. Group 2: Investor Experience and Behavior - The fund advisory services have significantly improved investor behavior, promoting long-term holding and diversified asset allocation, which has led to better investment experiences [7][10]. - Statistics show that as of September 30, 2024, the proportion of profitable accounts among advisory clients is significantly higher than that of non-advisory clients, indicating a positive impact on investor outcomes [11][12]. Group 3: Growth in Management Scale - The number of fund advisory institutions has increased from five to nearly sixty, with substantial growth in assets under management, particularly in the context of a recovering A-share market [13][14]. - Specific examples include Guotai Junan's advisory assets reaching 26.416 billion yuan, a 107.5% increase year-on-year, and Huatai Securities reporting 21.037 billion yuan, a 16.36% increase [14]. Group 4: Future Development and Challenges - The future of fund advisory services is expected to focus on account-level management and personalized services driven by AI technology, enhancing service quality and client experience [20][28]. - Despite the progress, challenges remain, including low market penetration, insufficient professional talent, and a need for greater investor education regarding fund advisory services [35][39]. - The industry is poised for further growth, driven by policy support, increasing market demand, and technological advancements [41][45].