At present, the per capita GDP exceeds US$ 65.438+0 million, which is an important step towards high-income countries. The investable assets of individuals in China are about 200 trillion yuan, and the number of high-net-worth people reached 6.5438+0.97 million in 2065.438+08, and the number of wealthy people was close to 20.92 million at the end of 2065.438+07. On the other hand, residents' willingness to save is declining, and compared with other major economies in the world, there is still a lot of room for decline in the household savings rate. Residents' expectation of real estate investment return rate is obviously lower than before, and the investment demand for financial products is obviously improved.
On the supply side, the asset management industry gradually eliminated the influence of the new asset management regulations and entered a stage of rapid development. The reform of the financial supply side has been steadily advanced, and asset allocation projects such as funds, stocks, fixed income and online loans have flourished, allowing financial institutions to provide users with diversified wealth management services.
People can generally feel that asset allocation is more selective today. For example, if you use Alipay, you can transfer funds, deposits, gold and other projects without leaving home; Financial institutions are also transforming into integration, not only taking on the role of selling wealth management projects, but also professional wealth management services have become their main business.
Take Phoenix Finance as an example. While providing products such as funds, time deposits, outlets, overseas, etc., the platform also provides professional and intelligent wealth management services based on the innovation of financial technology, shifting from product orientation to user demand orientation, making user's asset allocation simple.
Since its establishment, Phoenix Finance has implemented the strategy of "smart finance", and then successively launched a number of smart financial products based on wealth management application scenarios, such as "Phoenix True Accuracy" and "Magic Mirror Smart Investment", which greatly promoted the intelligent development of wealth management services.
Through the intelligent asset allocation tool "Phoenix Pearl", users can evaluate their current asset allocation, so as to adjust and improve their asset allocation categories and proportions. Users can also use this tool to tailor a scientific, reasonable and intelligent wealth management plan for themselves.
"Magic Mirror Smart Investment" is an intelligent fund strategy product tool, which combines the traditional secondary market investment rules with the latest artificial intelligence, big data and other technologies. With all kinds of Public Offering of Fund as portfolio or rotation target, users can purchase fully automatic trading fund strategy products through this tool. Through the artificial intelligence algorithm of market timing, the algorithm of stock market hedging and the ultimate defense mechanism of automatic lightening, we will keep the fluctuation of funds stable and pursue sustained growth.
Not only that, Phoenix Financial has also set up an offline wealth management center in Beijing and other places. Online products and services are supplemented by refined one-to-one offline services, focusing on high growth needs such as user investment experience, quality life, personal promotion and wealth inheritance, and providing personalized and differentiated services.
Professional wealth management services have enabled Phoenix Finance not only to win industry authoritative awards repeatedly, but also to be recognized by investors. The investment demand of residents is rising, and the demand for financial services is strong. At present, large, medium and small financial institutions are competing for the share of the wealth management market. Phoenix Financial's wealth management service has been recognized many times, and it is still constantly innovating and improving, and it will definitely go up a storey still higher in the future.