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The Renminbi Is Depreciating, and What Are the New Trends in Overseas Investment for High-net-worth Individuals in China?

The Renminbi Is Depreciating, and What Are the New Trends in Overseas Investment for High-net-worth Individuals in China?

In the past two years, due to the drastic fluctuations in the capital market, the risk aversion of domestic investment of high-net-worth individuals has gradually warmed up, the proportion of fixed-income products such as bank wealth management has increased, and the proportion of assets in stocks and public funds has declined. In 2017, the allocation of domestic investment of high-net-worth individuals on bank wealth management products accounted for about 25% of their overall investable assets, which has nearly doubled compared to 2015.

Fixed-income products include savings, bank wealth management, bonds, fixed-income trusts, fixed-income funds, and P2P wealth management and so on. In 2017, the most domestically invested assets of domestic high-net-worth individuals were fixed-income products, with a ratio of about 45% to 60%.

In addition, some high-net-worth individuals said in an interview with the Institute of Bags that the habits of domestic asset allocation will affect the asset selection of overseas investment, and that overseas investment tends to be on more familiar asset categories. In other words, there is a possibility that the tendency of domestic asset allocation will extend beyond the country further, which further indicates that overseas-type fixed-income assets will be “favored” by domestic high-net-worth individuals in the future.

Capgemini's "2018 World Wealth Report" shows that in the first quarter of 2018, global high-net-worth individuals mainly allocated five major types of assets, and in order of proportion there are stock (30.9%), cash and cash equivalents (27.2%). ), real estate (16.8%), fixed income (15.8%), and alternative investment (9.4%). It can be seen that stocks and fixed income are the most intangible financial assets invested by high-net-worth individuals worldwide.

It is worth noting that in the second quarter of 2017 and the first quarter of 2018, stock was the most important asset category for global high- net-worth individuals. This is different from the tendency of high-net worth-individuals in China to use fixed products as their most important asset. Compared with Chinese high-net-worth individuals, global high-net-worth individuals have higher risk appetite, which may be caused by different capital market environments.

By Courtesy of new.qq.com

 

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