--> 诺亚财富发布《2019高端财富财富白皮书》—— 中国高净值人群投资需求正发生积极变化 < class="absTopTable" > < id="absTopForms" class="forms sideForms absForms"> < style="position:absolute;"> < class="webNavTable"> < id="webNav" class="webNav webNavDefault"> < id='navV2Wrap'>< id='navV2' class='nav navV2 navStyle navStyle3208'> < class='navMainContent'>< class='navContent'> < id='navCenterContent' class='navCenterContent'> < id='navCenter' class='navCenter'> < class='itemPrev'> < class='itemContainer'> < title='' id='nav2' class='item itemCol2 itemIndex1' colId='2' onclick='window.open("/", "_self")' _jump='window.open("/", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>首页< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemSep'>< title='' id='nav105' class='item itemCol105 itemIndex2' colId='105' onclick='window.open("none", "_self")' _jump='window.open("none", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>澳门葡京平台app< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemSep'>< title='' id='nav114' class='item itemCol114 itemIndex3' colId='114' onclick='window.open("none", "_self")' _jump='window.open("none", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>产品服务< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemSep'>< title='' id='nav116' class='item itemCol116 itemIndex4' colId='116' onclick='window.open("none", "_self")' _jump='window.open("none", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>葡京赌场游戏官网< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemSep'>< title='' id='nav118' class='item itemCol118 itemIndex5' colId='118' onclick='window.open("none", "_self")' _jump='window.open("none", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>招聘公告< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemSep'>< title='' id='nav102' class='item itemCol102 itemIndex6' colId='102' onclick='window.open("/col.jsp?id=102", "_self")' _jump='window.open("/col.jsp?id=102", "_self")'> < class='itemCenter navItem'>< class='nav_item_wrapper'>联系我们< class='nav_item_arrow J_nav_item_arrow hide nav_item_arrow_hollow_triangle' data-pack-modules-len='0'> < class='itemNext'> < class="webHeaderTable J_webHeaderTable " id="webHeaderTable"> < id="webHeaderContent" class="J_webHeaderTable webHeaderTd fk-moduleZoneWrap web_header_td J_webHeaderTd"> < id="fk-webHeaderZone" class="elemZone elemZoneModule J_moduleZone fk-webHeaderZone fk-moduleZone forms sideForms"> < class="fk-moduleZoneBg fk-elemZoneBg J_zoneContentBg elemZoneBg"> < id='module314' bannerTitle='财富' _moduleType='1' _modulestyle='86' _moduleid='314' class='form form314 formStyle86 formInZone siteEditor ' title='' _sys='0' _banId='' style='position:absolute;top:30px;left:943px;width:258px;' _side='0' _inTab='0' _inMulMCol='0' _inFullmeasure='0' _inpack='0' _inpopupzone='0' _infullmeasurepack='0' _intabpack='0' _inaccordionpack='0' _autoHeight='0' _global='false' _independent='false' data-scrollbar='0'> < class='lightModuleOuterContent lightModuleOuterContent314'>< class='fk-editor simpleText fk-editor-break-word '>< style="text-align: right;">咨询热线 18869963461 < id="webHeader" class="webHeader"> < class='headerTable'> < class='headerCusLeft'> < class='headerCusMiddle'> < class='headerNav headerNavDefault'> < class="headerCusRight"> < id="webHeaderContentBg" class="J_webHeaderTable webHeaderTd web_header_td J_webHeaderTd webHeaderContentBg"> < class="webBannerTable J_webBannerTable"> < class="fk-moduleZoneWrap"> < id="webBanner" class="webBanner"> < class="bannerTable"> < class="bannerLeft"> < class="bannerCenter"> < style="visibility:hidden;" class="fk-inBannerListZone-tmp forms"> < class='bannerTop'> < id='bannerV2' class='banner extBanner' fbHeight='330' defaultwidth='0' style=' height: 330px; background: none;' > < class='banner defaultBannerMain J_bannerItem' style='background:url(http://13980362.s61i.faiusr.com/2/AD0IyqXVBhACGAAg2tvZyQUoxpmDvwMwsAk4ygI.jpg) 50% 50% no-repeat;margin: 0 auto;height:330px;'> < class="bannerRight"> < class="absMiddleTable"> < id="absForms" class="forms sideForms absForms"> < id="fullmeasureTopForms" class="fullmeasureContainer forms fk-fullmeasureForms fullmeasureForms fullmeasureTopForms" style='display:none'> < id="webContainerTable" class="webContainerTable" > < id="webContainer" class="webContainer"> < id="container" class="container"> < class="containerTop"> < class="left"> < class="center"> < class="right"> < class="containerMiddle"> < id="containerMiddleLeft" class="containerMiddleLeft"> < class="containerMiddleCenter"> < id="containerMiddleCenterTop" class="containerMiddleCenterTop"> < id="containerForms" class="containerForms"> < id="topForms" class="column forms mainForms topForms" style='display:none'>
< class="containerFormsLeftTop"> < id="leftForms" class="column forms sideForms leftForms"> < id='module360' _moduleType='1' _modulestyle='24' _moduleid='360' systemPattern=217 class='form form360 formStyle24 jz-modulePattern217' title='' _sys='0' _banId='' style='' _side='0' _inTab='0' _inMulMCol='0' _inFullmeasure='0' _inpack='0' _inpopupzone='0' _infullmeasurepack='0' _intabpack='0' _inaccordionpack='0' _autoHeight='1' _global='false' _independent='false' data-scrollbar='0'> < class='formBanner formBanner360' style=''> < class='left left360'> < class='center center360' valign='top'> < class='formBannerTitle formBannerTitle360'> < class='titleCenter titleCenter360' valign='top'> < class='titleText titleText360'>葡京赌场游戏官网 < class='right right360'> < class=' formMiddle formMiddle360' style=''> < class='formMiddleCenter formMiddleCenter360 ' valign='top'> < class='formMiddleContent formMiddleContent360 fk-formContentOtherPadding' tabStyle='0'> < class='s_ns_group g_foldContainer g_vertFold g_foldNOBtn'>
公司新闻
< class='g_foldSepLine g_foldPLine g_separator'>
行内信息
< class='g_foldSepLine g_foldPLine g_separator'>
招聘公告
< class="containerFormsLeftBottom">
< id="centerTopForms" class="column forms mainForms centerTopForms" > < id='module12' _moduleType='12' _modulestyle='103' _moduleid='12' class='form form12 formStyle103' title='' _sys='0' _banId='' style='' _side='0' _inTab='0' _inMulMCol='0' _inFullmeasure='0' _inpack='0' _inpopupzone='0' _infullmeasurepack='0' _intabpack='0' _inaccordionpack='0' _autoHeight='1' _global='false' _independent='false' data-scrollbar='0'> < class='formBanner formBanner12' style=''> < class='left left12'> < class='center center12' valign='top'> < class='formBannerTitle formBannerTitle12'> < class='titleCenter titleCenter12' valign='top'> < class='titleText titleText12'>新闻详情 < class='right right12'> < class=' formMiddle formMiddle12' style=''> < class='formMiddleCenter formMiddleCenter12 ' valign='top'> < class='formMiddleContent formMiddleContent12 fk-formContentOtherPadding' tabStyle='0'> < class='newsDetail newsDetailV2' newsid='33'>

诺亚财富发布《2019高端财富财富白皮书》—— 中国高净值人群投资需求正发生积极变化

< class='newsInfoWrap'>< class='rightInfo'>294 < class='leftInfo'>发表时间:2019-03-24 13:31作者:徐世福 < class='line1'> < class='richContent richContent0'>

2019年3月21日,诺亚财富第四次发布《2019高端财富白皮书》,以高达1724份超高净值客户提交的有效调查问卷以及详实的数据分析结果,为我们揭开中国高净值人群财富投资的面纱。


  误区1:非金融资产当道,金融资产占比低


  据广发银行和西南财经大学中国金融调研与研究中心联合发布的《2018中国城市家庭财富健康报告》显示,中国家庭总资产中住房资产占比高达77.7%,金融资产占比仅为11.8%。


  而诺亚财富《2019高端财富白皮书》调研结果显示,与之相比,高净值人群的实物房产在资产中的占比要小得多,金融资产占比则高得多。诺亚财富调研显示,大多数的诺亚客户投资实物房地产在个人家庭总资产中的占比介于11%-30%之间。


  事实上从诺亚财富的历次调研来看,高净值人群对股权类资产(包括二级市场、私募股权等)的配置比例在不断上升。私募股权作为跨周期资产,在中国经济长期向上、新经济兴起的背景下尤其受到高净值人士的青睐,超过一半的投资者计划增持。


  虽然大多数高净值人士对实物房产市场看法谨慎或偏悲观,但对股权投资形式的房地产基金的配置偏好在显著上升。



  误区2 :重仓中国房地产,对全球配置不甚了解


  在过去很多年中,中国财富的大部分都来自房地产行业。但随着房地产热度的不断消减,中国的高净值人群们,正在全球范围内进行分散投资。


  在诺亚财富本次的高端财富调研中,已经有6成高净值客户已经配置了海外资产,并有7成左右的人计划在未来增加海外配置。


  一个值得注意的趋势是,在诺亚研究历次的调研中,计划增加海外资产配置的人数占比首次超过一半。在配置产品上,高净值人群最青睐的海外资产是类固收、私募股权和二级市场资产。



  误区3:风险承受力低,经受不住市场波动


  长期以来,包括高净值人群在内的广大投资者,对投资的回报态度呈现两极分化。一类投资者追求过高的回报而罔顾风险,一类投资者过于谨慎而甘愿接受过低的回报。前者的典型例子是参与非正规投资,后者则是过多投资于类固收产品。


  根据此次诺亚财富《2019高端财富白皮书》最新调研,随着理财观念的成熟和市场现实的教训,越来越多的投资者对收益目标的规划变得更具合理。相比以前的调研,整体投资组合的收益目标为10%以下和15%以上的人数占比都减少了。相应地,大多数人满意的收益目标区间是10%~15%。考虑到经济增长和各类资产长期回报。另一方面,整体来看,高净值人群能容忍的投资组合最大本金损失幅度相比以往上升。


  此次调研还发现,对于当下的A股市场,有26.5%的人对未来一年股市悲观,但只有9.9%的人计划减少二级市场配置,这个比例与对未来三年股市悲观的比例(7.1%)较为接近,表明人们更多根据中长期展望来决定配置。


  另一方面,越来越多的投资者能站在更长的时间尺度上看待二级市场资产的配置价值。这体现在,尽管2018年股市表现很差,但接近一半的人对未来三年的股市乐观。因此,尽管过去几年二级市场表现时好时差,但计划未来增持的人数占比在持续增加。


  这反映了投资者对二级市场资产配置必要性和重要性的认识在提升,也进一步佐证了前面提到的一个变化“风险容忍度上升”。


  总体来看,诺亚研究工作坊分析认为,相较于过去外界对中国富豪的刻板印象,高净值人群的投资偏好正在发生积极的变化。高净值人群的投资收益目标与风险偏好“合理化”;投资理念“成熟化”;投资偏好“股权化”;资产配置“分散化”。


  而如何从0到1带领日益庞大的中国高净值客户群体,真正做好财富的稳健布局和分散配置,既是有产阶级们的迫切需求,同样也是中国财富管理机构和精英理财师们未来十年的重要机遇。


< class='line2'> < class='middlePanel'> < id='prevAndNextDivV2'>< class='shareInfo'>分享到:< class='shareListPanel'>< class='clearfloat'> < class="containerFormsCenterMiddle J_containerFormsCenterMiddle"> < id="middleLeftForms" class="column forms mainForms middleLeftForms" style='display:none' > < id="middleRightForms" class="column forms mainForms middleRightForms" style='display:none' > < class="clearfloat"> < id="centerBottomForms" class="column forms mainForms centerBottomForms" style='display:none'>
< id="bottomForms" class="column forms mainForms bottomForms" style='display:none'> < id="containerPlaceholder" class="containerPlaceholder" > < id="containerMiddleCenterBottom" class="containerMiddleCenterBottom"> < id="containerMiddleRight" class="containerMiddleRight"> < class="containerBottom"> < class="left"> < class="center"> < class="right"> < id="fullmeasureBottomForms" class="fullmeasureContainer forms fk-fullmeasureForms fullmeasureForms fullmeasureBottomForms" style='display:none'> < class="absBottomTable"> < id="absBottomForms" class="forms sideForms absForms"> < style="position:absolute;"> < id="webFooterTable" class="webFooterTable J_webFooterTable" > < class="fk-moduleZoneWrap"> < id="fk-webFooterZone" class="elemZone elemZoneModule J_moduleZone fk-webFooterZone fk-moduleZone forms sideForms"> < class="fk-moduleZoneBg fk-elemZoneBg J_zoneContentBg elemZoneBg"> < id='module324' bannerTitle='财务' _moduleType='1' _modulestyle='86' _moduleid='324' class='form form324 formStyle86 formInZone siteEditor ' title='' _sys='0' _banId='' style='position:absolute;top:21px;left:0px;width:321px;' _side='0' _inTab='0' _inMulMCol='0' _inFullmeasure='0' _inpack='0' _inpopupzone='0' _infullmeasurepack='0' _intabpack='0' _inaccordionpack='0' _autoHeight='0' _global='false' _independent='false' data-scrollbar='0'> < class='lightModuleOuterContent lightModuleOuterContent324'>< class='fk-editor simpleText fk-editor-break-word '>首页  丨   澳门葡京平台app   丨   产品服务   丨   行业资讯 < id="webFooter" class="webFooter"> < id='footer' class='footer' >< class='footerTop'>< class='topLeft'>< class='topCenter'>< class='topRight'>< class='footerMiddle'>< class='middleLeft'>< class='middleCenter'>< class='footerContent'>< id = 'footerInfoV1' class='footerInfo'>

2018 诺亚财富有限公司 版权所有

< class='footerSupport' id='footerSupport'> 手机版 | 管理登录 | 浙ICP备18030501号-1 < class='middleRight'>< class='footerBottom'>< class='bottomLeft'>< class='bottomCenter'>< class='bottomRight'> < class="clearfloat"> < class="floatLeftTop manageTranTop" style='0' > < id="floatLeftTopForms" class="forms sideForms floatForms"> < class="floatRightTop manageTranTop" style='0' > < id="floatRightTopForms" class="forms sideForms floatForms"> < class="floatLeftBottom"> < id="floatLeftBottomForms" class="forms sideForms floatForms"> < class="floatRightBottom"> < id="floatRightBottomForms" class="forms sideForms floatForms"> < id="popupLevel" class="popupLevel"> < id="popupLevelWrap" class='popupLevelWrap'> < id="popupLevelEditToolArea" class="popupLevelEditToolArea"> < id="popupLevelEditPanel" class="popupLevelEditPanel"> < id="popupLevelEditTool" class="popupLevelEditTool"> < id="popupLevelForms" class="forms sideForms popupLevelForms"> < id="bgMusic" class="bgMusic">