The latest resident investment and wealth management reports are released: long -term investment awareness has steadily rising, and bond asset allocation exceeds 20 %

Shanghai Jiaotong University Shanghai Higher Financial College held the "2022 High -Gold Wealth Management Industry Summit" online today, and released a new issue of "Report on the Investigation and Financial Management Behavior of Chinese Residents". The results showed that compared with the previous year, the residents' investment and wealth management behavior increased the long -term investment awareness of Chinese residents.

In order to understand the status quo of financial management of residents in my country, the China Institute of Finance of Shanghai Jiaotong University jointly initiated a questionnaire investigation in 2021 and issued relevant reports in 2021.

Pu Guangshao, a member of the National Committee of the Chinese People's Political Consultative Conference and executive director of Gao Jin, said in the opening speech that sustainable research on residents' investment and wealth management behaviors is to better promote the healthy and sustainable development of the residents' investment and wealth management market, forming residents' investment and financial management behaviors and resident investment investment The benign interaction of the wealth management market can provide support for effective guidance of residents' investment in financial management, improving the service capabilities of investment and wealth management, accelerating the construction of financial markets and regulating investment and wealth management markets.

The latest "Report" released this time shows that in terms of the financial health of residents, the proportion of residents' family backup funds increased from 72%to 73%last year, and risk management awareness has risen steadily. Bank deposits, public funds and bonds are the three assets with the highest investment ratio in 2022. Among them, the proportion of bond asset allocation was 21%, compared with 15%of the previous year, 6 percentage points, replacing stocks became one of the three types of assets with the most residents in 2022.

In terms of residents 'investment and wealth management behavior, compared with the previous year, Chinese residents' long -term investment awareness has improved. The proportion of users holding willingness within one year has declined significantly, from 72%last year to 65%this year. At the same time, residents' tolerance of the loss of wealth management products increased. Taking stock funds as an example, the proportion of users who can receive more than one year of loss increased from 14%last year to 23%.

In addition, residents' choice of wealth management products return rationality. The survey showed that investors' attention to celebrity fund managers decreased significantly, and the proportion of attention dropped from 24%last year to 14%. Investors' attention to the historical revenue of the fund has also declined, from 56%to 53%. Investors have increased the attention of channel recommendations, lengths of closed periods, and rates, or are related to market fluctuations in last year. Investors are more sensitive to professional investment advisory, liquidity and purchase costs.

To achieve long -term investment and improve the investment and financial experience of residents, professionalization is a very important aspect. In addition to the improvement of the residents' own financial literacy, the professionalism of investment and wealth management is to allow residents to obtain professional services, such as buying consulting business based on the interests of residents. 28%of the respondents will increase their willingness to invest in long -term investment due to investment consulting services, and at the same time, half of the respondents do not understand the fund investment consulting services. The survey results show that my country is still in the initial stage of professional investment advisors, and there is a lot of room for development in the future.

Professor Gao Jin said that the continuous release of the "Report" aims to observe the changes in investment and financial management behavior of residents in my country, and try to interpret the reasons behind the change, provide a rational analysis perspective for residents' investment and wealth management, help residents allocate investment wealth management products more scientifically, to help residents more scientifically allocate investment wealth management products At the same time, it also provides reference and reference for the development of individuals and family investment and financial planning business for wealth management institutions.

Author: Tang Weijie

Edit: Zhu Wei

Editor in charge: Rongbing

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