60%of the foundation losses?The era of fund investment is coming.How to avoid human nature's "chasing and falling down"?This has a answer

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In recent years, the asset management industry represented by public funds has achieved great development, and public funds have also been accepted and recognized by more and more people. Especially in the moment when the house does not fry, goes to the rigid and low interest rates, the position of fund investment in residential financial management has passed from the past to the main means. As of the end of June, the number of public funds on the market exceeded 10,000 mark, and investors also surged.

The rapid growth of the market size and the rapid expansion of the industry scale do not mean that investors have obtained a steady return in this process. On the contrary, "fund making money to make money does not make money" has become a long -term strange phenomenon in the fund industry.

Data show that in the 15 years from 2006 to 2020, the cumulative increase in partial stock fund indexes increased by 1295%, and the annualized return rate exceeded 19%. However, data from the Fund Industry Association shows that there are less than half of the people who buy funds to make money. As of 2018, the proportion of customers who have made profit since investment funds account for only 41.2%. In other words, 10 people buying funds may have 6 losses.

One of the key reasons for the fund to make money and do not make money is "fluctuations". The fund's net value is fluctuating every day, which will cause investors to fluctuate in inner heart, and human nature is born with a tendency to chase and fall.

According to statistics, chasing hot spots, high buying and low -selling, frequent operations, and short positioning cycles are the usual means of investors in most fund investment losses. The conventional operation of this part of the citizen is "Raise a good-& Buy a little test water-& Earn a bit of high positions-& after callbacks appear to have floating loss Lower position cut-& funds continue to rise. "

How to avoid human nature's "chasing and falling down"?

How to crack such a curse? We can set their sights on overseas markets.

When overseas investors configure the fund themselves, they will also encounter the problem of chasing and falling, frequent transactions. In order to make investors make money on the fund for a long time, two solutions have appeared.

The first solution is 401K plan. This is equivalent to a long -term pension plan. Before retiring, it deducts part of the salary on a regular basis, puts it into the plan, and is used until retirement.

Many office workers don't even know that they have invested in stock funds. By the time of retirement, the length of decades of decades is enough to cross multiple bulls and bears, so that the fund has received good benefits for a long time.

But there are still many investors who have extra funds to take care of them. Therefore, this demand has derived the second solution for investors to make money on the fund: fund investment advisory.

The core feature of the fund investment advisory business is that the investment consultant and the customer's interests are bound to the service model with product sales as the core to the customer's needs -centered buyer configuration service model to effectively integrate investment and consultant services. Under the premise of controllable risks, help investors do well in fund product selection and purchase and redemption operations, which will help reduce investors 'short -term and irrational trading behaviors, realize customers' specific investment goals, and enhance the investment experience.

What is the actual income of fund investment consulting services?以今年初获得基金投顾业务牌照的平安证券为例，数据显示，截至今年6月末，该公司基金投顾品牌“安心投顾”自上线以来，盈利客户占比已超九成，远远跑Investors who wins through their own operation funds make profitability.

Of course, behind the "ten people and nine earnings" is the continuous efforts of Ping An Securities based on a keen market judgment and many years of their own advantages. According to the data, in recent years, Ping An Securities has actively promoted the transformation of wealth management, creating a customer service system with "scientific investment" as the basic concept and a wealth management business execution system based on the "buyer service". At the same time, the use of fintech means to help customers analyze account income and risk sources, and supplemented by investor education and professional investment advisory services, focusing on long -term, improve customer investment behavior models, and help customers achieve long -term value -added of assets.

Good choice, accurate, take it steadily

Fund investment consulting, as the name suggests, is a combination of "investment+consultant" business model. "An Investment Consultation" is exactly the "scientific investment" and "buyer service" system that Ping An Securities has cultivated for many years, and continues to improve the asset allocation service system, promote the upgrading and evolution of buyers' services. Quasible, stable. "

In terms of "investment", research is the brain and drives the buyer's service through the buyer's research. At the same time, relying on the research strength of Ping An Group and Ping An Securities Research Institute, a scientific and well -performed investment research system covering a macroeconomic, market strategy, asset allocation, fund evaluation, and combination evaluation has been established. By setting up the "MVP" three -layer strict selection system, quantitative analysis+in -depth research, tap the market excellent fund products.

"For the" good combination ", we are not pursuing unilateral performance to continue to innovate, but a stable victory over the performance benchmark, and customers can hold it for a long time. Balance the customer's desire to win through the fund portfolio and fear of losing the fear of losing. , To truly increase the "lower limit 'of investors', to do the original intention of creating value for customers", the person in charge of the Ping An Securities Fund Investment Consultation business introduced.

"Gu" is more important to accompany the fund investment advisor. "An Investment Consultation" creates a consultant service that runs through the professionalism, temperature, and companionship that runs through the "pre -investment -investment -after -investment". And the customer and potential customers who invest in the content of the investment operation content covering the "Entry Investment Consultation" can improve the transparency of information, enhance user trust, enhance user participation, and reduce user anxiety, so as to achieve the proportion of investors' profitable customers and average. Holding positions, retention of funds, and recovery rates. How does "invest" and "Gu" form a closed -loop empowerment? Ping An Securities passed the "total score linkage" mechanism of "headquarters empowerment, investment consulting", and relying on information, short videos, live broadcast and other forms of investment content, asset allocation schemes, market strategies and operation services as the start Create a closed -loop service and enhance the core competitiveness of the fund investment advisor.

At the headquarters investment and research level, the selection of large -scale asset views formulate the allocation plan for different business scenarios, and build a standardized investment portfolio representing the basic assets or style assets. Based on KYC, the branches of investment consultants use standard assets to build a customer asset allocation package; and insist on dynamic maintenance and long -term companionship.

The headquarters is empowering digital capabilities, supporting branches to provide customers with differentiated asset allocation programs based on standard asset portfolios, and create asset allocation services of "buyer perspective, combined investment, and account all committee".

Based on this, "Anxin's Investment Consultation" gives customers an investment experience of "entrusting peace, investing in your heart". Through the "Gu" with temperature, high frequency, easy touch, and interactive The concept of value investment realizes the steady growth of wealth.

Xu Haiyang, executive general manager of the Products and Wealth Management Center of Ping An Securities Brokerage Business Division, introduced, "In the current exploration, we have always been based on the origin, adhere to the positioning of fund investment consulting as the asset allocation service tools of the whole committee, and firmly believe that the fund investment consulting business is also believed It is the only way to realize the transformation of wealth management business, and it is also the requirement of the transformation itself. "

The transformation of the investment advisory and capacity of the branch is one of the core and key reliance of the transformation of wealth management business, because the buyer's investment advisory is based on the needs of customer accounts, from asset allocation logic recommendation strategy combination products, relying on professional service capabilities to help help, help help Customer assets preservation and appreciation, the form of income is mainly to maintain assets (AUM) service fees, and Fei Duke has also become an industry consensus; and traditional institutional marketing staff is based on the business logic of activating assets and promoting transactions. Trading commissions.

Buyers' investment advisors need to change from marketers to the role of service staff, from the relationship between opposition to long -term companionship, from a single sales to service supply model, from traffic income to the revenue of stock income. In essence, based on "professional skills, service thinking, technical support, and product system", securities firms have transformed from brokerage business transactions to comprehensive wealth management agencies. "This is both the direction of hard work and the inevitable result."

Technology empowering to promote wealth management is more accurate and warm

As the first batch of institutions in the industry's investment consulting model, Ping An Securities has also greatly enriched the service content of wealth management for many years. With a qualitative leap, it enables the development of the investment consulting market with science and technology.

For example, on the customer recognition side, the KYC (Know Your Customer) evaluation system is established with the help of big data capabilities, and more than 1,000 label systems are constructed around the customer attributes, income levels, investment analysis, and transaction behavior. Demand, accurate identification of customers, fully understand the customer's investment ability and investment preferences, and analyze the investment behavior of customer risk tolerance and error, and tailor -made large -scale asset allocation plans for customers.

On the investment operation side, relying on the nine major AI products to achieve high -quality investment advisory services. By setting up the C -side "All Customer Cycle Intelligent Investment Consultant Service Platform" and "AI+Experts" online and offline stock investment consulting models, they can quickly produce investment and research cores, investment advisory products and services in a modular way.

On the customer's server, you can better provide customer companionship through your mood diary. At the risk control side, the entire process of customer service through risk monitoring and risk early warning prompts.

A series of scientific and technological innovation brings the high -quality experience of investors to the "Ping An Securities" APP. It provides customers with full scenes, intelligent, and inclusive services through the APP platform, so that customers can understand what he thinks and give it. He needs to reduce the decision -making time of customers, give it simply to customers, leave complexity to himself, and provide customers with the ultimate service experience.

Taking the "7 × 24 -hour silver transfers" service in Ping An Securities and Ping An Bank industry as an example, this function fundamentally alleviates the "sense of crisis" of users 'demand for securities account funds during non -transaction hours, and meets customers' emergency emergencies It needs.

Data show that the current core data such as the number of "Ping An Securities" APP users, monthly work, per capita use, per capita startup number, etc. are at the forefront of the industry; core service industries such as 7 × 24 hours of silver syndrome transfer, real -time market, and all -around account. Help the national wealth planning "worry -free, time -saving and money", and practice the business philosophy of "customer -oriented" with science and technology and the original intention of accompanying long love.

The emergence of fund buyers' investment advisory can promote the management scale and high -quality service as a competitive financial service model; on the other hand, it can provide professional fund investment guidance to the majority of individual investors and improve the profit experience.These two points are enough to be confident in the future of fund investment.Responsible editor: tactics

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