Core Insights - The wealth management industry is transitioning from a "product-selling" model to a "service-selling" model, driven by new trends and opportunities [1] - Key trends reshaping the industry include a new cycle, new environment, and new opportunities, with AI playing a significant role in optimizing business models [1] Group 1: Performance Metrics - JD Wealth reported that over 80% of equity fund clients made profits, with equity asset retention growing by 82% year-on-year [1] - Index fund retention increased by 105%, while the retention of stable "fixed income +" assets surged by 206% [1] - Personal pension retention saw a remarkable growth of 241% year-on-year [1] Group 2: Service and Product Upgrades - JD Wealth is focusing on upgrading its core capabilities in "products, services, and pricing" to enhance customer investment experiences [2] - The company aims to improve product offerings through collaboration with partners, ensuring dynamic asset allocation and market trend analysis [2] - AI technology is being integrated to extend services from transaction execution to full-cycle support, enhancing customer engagement [3] Group 3: TAMP Model and Market Strategy - The wealth management industry is shifting from a "scale competition" to a "capability competition," with a focus on personalized services [4] - JD Wealth is exploring the TAMP (Total Asset Management Platform) model, which integrates investment research, allocation, trading, and operations for a comprehensive service [4] - In 2025, the TAMP model is expected to add 210,000 new clients, with a 52% repurchase rate and an average holding period of 235 days [4]

在"基金赚钱、基民不赚钱"仍为行业普遍挑战的背景下，京东财富2025年的用户收益数据格外亮眼：全 年超八成权益基金客户实现盈利。 财富管理的价值，最终应体现于用户的真实收益。2025 年，京东财富业务与合作伙伴携手把握行情机 遇，规模增长数据亮眼：权益保有规模同比增长 82%，指数基金保有规模同比增长 105%，稳健固收 + 保有规模同比增长 206%，个人养老金保有规模同比增长 241%。 "财富业务的重点，不是自身规模扩张，而是投资者的获得感"，京东财富相关负责人表示。规模增长的 同时，京东财富通过与金融合作伙伴协同推进严选机制，帮助投资者在复杂市场环境中获得更稳健、可 持续的投资体验。 三方行业调研数据显示，2025 年虽然A股出现了结构性行情，但58.6% 的股民未盈利；而京东财富披露 的数据显示，2025 年其权益基金用户盈利比例高达 84%，个人养老金用户平均收益率15%；专业服务 成效显著。 当前， "新周期、新环境、新机遇" 三大趋势正在重塑财富管理行业。京东财富相关负责人表示，"十五 五" 规划明确战略方向，"新质生产力" 重塑增长动能；AI赋能正在优化和重塑财富管理业务模式；股市 "慢牛" ...