中欧财富2025基金投顾白皮书重磅出炉 控波动成用户核心诉求

Core Viewpoint - The "2025 White Paper on the Development of Fund Advisory Business" highlights the increasing importance of investment experience and return results for investors, with a focus on volatility control and diversified asset allocation as preferred strategies for over 90% of clients [2][20]. Group 1: User Behavior Analysis - Fund advisory users exhibit healthier investment behaviors compared to single fund users, characterized by diversified asset allocation, contrarian trading, and longer holding periods [5][28]. - Fund advisory users tend to increase equity strategy allocations during market lows and shift to fixed income strategies during market highs, avoiding irrational investment behaviors [5][28]. - The white paper indicates that fund advisory users have a more disciplined approach, leading to better long-term investment experiences [9][28]. Group 2: Investment Experience and Performance - Fund advisory users have shown a higher average return experience, with 75% of them reporting better one-year holding experiences compared to single fund users, achieving an average gain of approximately 2.2% [9][15]. - Data from the past three years shows that fund advisory users have a higher percentage of profitable clients and better returns than single fund clients, with an average return rate exceeding single fund clients by 1.33 percentage points [15][28]. - The white paper reveals that most fund advisory users feel they have a better holding experience compared to direct investments in single funds [12][28]. Group 3: Market Trends and Future Outlook - As the A-share market recovers, investors are optimistic about future returns, with over 50% expecting returns above 10% in 2026, while still emphasizing the need for diversified asset allocation [20][28]. - The demand for low-volatility and low-drawdown products is increasing, as these strategies provide better holding experiences and longer retention periods for investors [27][28]. - The fund advisory industry is entering a new development phase, with ongoing policy support expected to enhance the accessibility of fund advisory services to a broader audience [28].