What is the fund investment business?
Fund investment consulting business mainly refers to the financial investment consulting institutions with relevant qualifications accepting the entrustment of customers, selecting the specific types, quantities and trading opportunities of investment funds for customers within the scope of customer authorization, and applying for the subscription, redemption and conversion of fund products on behalf of customers. This means that fund investment is different from securities investment. First of all, it can make decisions and operate accounts instead of giving advice.
For investors who don't speculate in stocks, fund investment business may have more important significance. Fund is an important product category of many family financial management, but how to choose, when to buy or redeem and how to combine a large number of different types of fund products in the market has become an investment obstacle for non-professional investors. Therefore, we often see that many investors buy funds by buying stocks, fast-forward and fast-out, chasing up and down, and there is a phenomenon that "funds make money, and the people don't make money".
In fact, the fund investment business can help solve this problem to some extent. We can entrust professional fund investment consultants to help us with fund investment and portfolio management in order to obtain more stable income. This is closer to the investment consulting business in the United States and other countries, which is the so-called "buyer's investment".
Compared with the traditional fund sales model based on "seller's agent", fund investment will be transformed into "buyer's agent" model, emphasizing the provision of tailor-made financial planning and all-weather asset allocation services for customers. It is expected that professional investment consultants will assist investors to make product investment decisions and supervise their implementation, improve the discipline of investors' investment, moderately restrain investors from chasing up and down, and enhance the profit experience of fund investment.
Which fund is stronger?
According to TF Securities's research report, the second batch of fund investment pilot brokerage businesses have been launched one after another, with CITIC, China Merchants, Dongfang and Guo Xin taking the lead in exhibition industry. Last week, orient securities (22nd) and Guoxin Securities (25th) officially launched the fund investment and care business, bringing the number of exhibitors of the second batch of pilot brokers to four (20 were approved in June and July). In product design, orient securities has put forward five strategies of Yue's steadiness and Yue's steadiness, and matched the needs of customers for medium and high risk and medium and long-term capital allocation with Yue's initiative and Yue's enterprising spirit. Guo Xin Securities launched the "Guo Xin Smart Investment" service brand, which matched financial management substitution, steady allocation and enhanced income demand with three strategies.
At present, the wealth management industry is in the stage from "selling products" to "selling configuration". The demand side keeps accumulating customer awareness, and the supply side builds an investment team to promote business empowerment. The two-way change between the demand side and the supply side will accelerate the differentiation of wealth management institutions, and fund investment is the most important license base. At present, among 60 qualified institutions, brokers have occupied 29 seats. As of1October 28th, there were 1 1 brokers in the exhibition industry, and the first-Mover advantage was obvious. At the same time, the relevant norms of fund investment are gradually improving, and the "licensing" orientation will further benefit the business development of the regular army. We are optimistic that brokers will continue to seize the share of commercial banks and expand the influence of wealth management based on the advantages of equity asset management and investment ability.
Whether it is benchmarking fund companies or benchmarking similar companies, the blue ocean business invested by funds is obviously full of infinite games. When looking for a way out, brokers need to find their own characteristics.