According to the "20 17 White Paper on the Wealth of Middle and High-end Wealthy People in China" published by Forbes, the number of middle and high-end affluent people in China (mainly with an investable amount of 4-2 million) is increasing at a rate of more than one million every year. It is estimated that by 20 18, the number of these people will reach150,000, and the investable assets will reach/kloc-.
Behind this series of figures is the contradiction between the growing demand of domestic investors for investment consultants and the existing investment and care model, which started late and is relatively backward.
At present, the participants of domestic smart investment are mainly divided into two categories:
Licensed financial institutions: such as banks, fund companies, securities companies, etc. Among them, China Merchants Bank's "Capricorn Smart Investment" is the representative.
Third-party wealth management institutions: such as CreditEase, Financial Rubik's Cube, Blue Ocean Smart Investment, Latte Smart Investment and so on. Among them, the financial Rubik's Cube is a representative sentence.
Unfortunately, most domestic investors have a misunderstanding about "smart investment": they expect smart investment to provide higher returns. In fact, the original name of smart investment should be "Xian Robo-Advisor" robot investment. That is to say, using digital technology, we can match the appropriate product solutions for the needs of investment and financial management scenarios, and then provide automatic follow-up and service suggestions (such as warehouse adjustment and asset rebalancing).
The value of intelligent investment is to provide investors with stable and continuous investment services by technical means, and provide continuous trading tips according to investors' subjective conditions, specific scenarios of investment and financial management, and objective changes in market trends. From this point of view, corresponding to the financial needs of the middle class in China, which is growing steadily every year, it can be expected that the development opportunities of smart investment in China are enormous.