Group 1 - The article discusses the importance of diversifying investments across both RMB and foreign currency assets, as well as stocks and bonds, highlighting the role of US dollar bond funds in this strategy [2] - A free course is offered to provide systematic knowledge on investing in US dollar bond funds, including course notes and mind maps for efficient learning [2] Group 2 - A report titled "China Fund Advisory Business Insight Report (2025)" was released, focusing on the performance of fund advisory services, based on data from 18 advisory institutions and 5 fund sales organizations from 2022 to September 2025 [5] - The report indicates that 76.9% of advisory clients achieved profitability, compared to 63.4% of self-investing fund investors, emphasizing the effectiveness of fund advisory services [6] - The repurchase rate for advisory clients has increased to 38.2%, indicating a strong tendency for clients to invest multiple times [7] - Advisory clients have an average holding period of 672 days, which is significantly longer than that of individual stock investors and average fund investors [8][9] - Notably, the report reveals that the proportion of female investors in advisory services is growing faster than that of male investors, and 90% of advisory clients hold amounts under 100,000 yuan [10] - A significant 43% of investors prefer weekly advisory services, while 73% desire one-on-one communication with advisors [10] - The "Nail Series" advisory portfolio shows a cumulative profitability rate of approximately 90% from early 2022 to September 30, 2025, with a repurchase rate of 87% and an average holding amount of 159,000 yuan [11][12]

2025年12月，中欧财富发布《试点六周年 基金投顾业务发展白皮书》。 本白皮书回顾基金投顾试点六周年进展。2025年市场回暖、投资者风险偏好提升，投顾行业迎来"多元策略元年"。用户调研显示，投顾在改善持有体验、帮 助用户克服"追涨杀跌"方面效果显著，用户覆盖度与满意度持续上升。 以下是报告目录： 第一章 我国基金投顾市场分析 第二章 基金投资者及投顾用户调研分析 该报告基于全国调研数据，分析了家庭收入、资产、债务、消费及预期情况。结果显示：家庭收入结构稳定，工资为主要来源；住房资产持有趋稳，金融配 置多元化，一线城市投资更积极；消费整体回升，一线城市支出最高，青年重文娱、中年重教育医疗、老年重基础生存；消费预期改善，就业稳定性是关键 因素。报告建议优化住房金融、推出普惠理财、强化灵活就业保障、激活全年龄段消费，以巩固消费复苏态势。 免责声明:报告内容来源于中欧财富，不代表道乐研究院的立场与观点，如有侵权请联系research@szltech.com。 第三章 基金投顾有效帮助投资者践行理性投资 ...

本文转载自新华财经 近日，由新华财经（国家金融信息平台）发起、西南财经大学提供学术指导、易方达财富与晨星 （中国）提供专业支持的《中国基金投顾业务洞察报告（2025）》正式发布。报告梳理出八大核 心发现，从三个方面印证了买方投顾模式对改善投资者体验的关键作用。 01 报告核心结论揭晓 投顾服务实现体验与行为双重优化 报告梳理出八大核心发现，从三个方面印证了买方投顾模式对改善投资者体验的关键作用。 其一，投顾客户投资体验显著更优 数据显示，投顾客户累计盈利占比高达76.9%，超四分之三的客户通过投顾服务实现投资盈利，较 单基金自主投资客户的63.4%高出13.5个百分点。在风险管控层面，投顾服务的优势尤为突出，投 顾客户亏损20%以上的比例不足1%，亏损30%以上的比例仅0.2%，分别为单基客户同类指标的 1/10和1/15，充分体现了投顾在组合风险管理上的专业能力。 近日，由新华财经（国家金融信息平台）发起、西南财经大学提供学术指导、易方达财富与晨星 （中国）提供专业支持的《中国基金投顾业务洞察报告（2025）》（下称"报告"）正式发布。 报 告依托针对代表性投顾机构与基金销售机构的调研数据，以及近万份投资者 ...

Core Insights - The article highlights the growth and effectiveness of the fund advisory service model in China, which has been in place for six years since its pilot launch in 2019, leading to increased asset scales and customer retention rates among qualified institutions [2][3][4] Industry Overview - The fund advisory service model has seen significant development, with 60 institutions obtaining pilot qualifications since its inception [2] - As of October 2025, the asset scale of CICC Wealth's advisory services is expected to exceed 120 billion yuan, while Guolian Minsheng Securities has signed 360,000 clients with an asset scale of 9.7 billion yuan, reflecting a year-on-year growth of 39.52% [2][3] Client Experience - Clients report improved investment understanding and habits due to the advisory services, with 88% of clients from E Fund's advisory service being profitable [3][4] - The average holding period for clients using the "Help You Invest" service is 688 days, with a profitability rate exceeding 90% [4] Performance Metrics - The advisory accounts have outperformed non-advisory accounts, with excess returns of 7.01%, 4.23%, and 1.33% over the past one, two, and three years, respectively [3] - The average service duration for clients at Shenwan Hongyuan is over 1,400 days, indicating strong client engagement [3] Strategic Development - Institutions are focusing on enhancing client experience and addressing emotional costs, optimizing investment strategies, and leveraging digital tools to expand advisory services [5][6] - E Fund has developed a comprehensive strategy system covering various investment needs, while other institutions are also diversifying their strategies to meet different client demands [6][7] Challenges in the Industry - Despite progress, the fund advisory industry faces challenges such as low user awareness and trust, with a need for better education on the benefits of advisory services [8][9] - The profitability model for advisory services remains thin, primarily based on management fees tied to signed asset scales, which poses a challenge for sustainable growth [9] Future Directions - The role of AI in enhancing client experience is becoming increasingly significant, with institutions exploring AI-driven personalized services [7][10] - The industry is at a critical juncture, transitioning from quantity accumulation to quality improvement, necessitating collaborative efforts to address existing shortcomings [9][10]