Core Viewpoint - The article discusses the transformative impact of artificial intelligence (AI) in the wealth management sector, evolving from a tool for efficiency enhancement to an intelligent partner capable of understanding client needs and providing personalized advice, thereby reshaping service models and customer experiences [3][5]. Research Background - The rapid development of AI technologies, particularly generative AI, is driving a paradigm shift in the global financial industry, with wealth management at its core. The Chinese government's policy support and unique digital ecosystem are facilitating the swift advancement of AI in wealth management [5]. Research Design - A joint online survey conducted by Tsinghua University's Wudaokou School of Finance and Ant Group aimed to analyze the real-world application of AI wealth management tools in China. The survey collected 1,627 valid responses, including 1,514 from individual investors and 113 from institutional research users, ensuring a representative sample [8]. Individual Investors: Market Potential and Experience Pain Points - The survey revealed a significant gap between the recognition and actual use of AI wealth management tools among individual investors. Over half of the respondents had never used such tools, and only 14.8% were deep users, indicating that market penetration is still in its early stages [9]. - Despite low usage rates, users have a strong understanding of AI's core value, with 24.14% appreciating the service's availability, 23.31% valuing the reduction of professional barriers, and 20.69% recognizing the importance of personalized investment advice [11]. - Key application areas for AI tools include investment decision-making, with users primarily utilizing them for product comparison (22.39%), learning financial knowledge (21.48%), and obtaining market insights (21.4%) [11]. - Major experience pain points include overly theoretical responses (23.72%), concerns about product neutrality (20.97%), and insufficient emotional interaction (12.83%), highlighting challenges in transitioning from generalized suggestions to actionable plans [11]. - Individual investors envision AI as a comprehensive financial advisor, desiring roles such as market analyst (26.76%), financial planner (22%), investment behavior coach (19%), knowledge mentor (18.48%), and emotional support partner (11.59%) [11]. Institutional Research Users: Shallow Application and Need for Automation - In contrast to individual investors, institutional users exhibit different application characteristics. While over 70% have encountered AI tools, 63.7% only use them occasionally for reference, with deep reliance at a mere 7.1%, indicating that AI has not yet integrated into core workflows [15].