Fund Portfolio Service Quietly Heating Up, Exploring "Product + Service"

A Citibank survey shows that the overseas smart portfolio is becoming more and more popular with young investors and is expected to become a trillion dollar market in the future.

At present, Intelligent Portfolio business (Robot-advising) has developed rapidly in foreign countries, especially in the United States, and has produced a number of online financial services platforms represented by betterment and wealthfront.

It is understood that before the public fund, the Internet financial management platform has taken the lead in the corresponding fund combination services, such as the money scene on the 8 in 2014, the Jingdong intelligence investment in 2015, the blue ocean wealth and the financial fortune. Since this year, the small gold Institute, the numerous Lu allocation treasure, the egg roll base gold and so on.

From the point of view of investment targets, these platforms are specially invested in overseas ETF, and some kinds of assets on some investment platforms are also facing public funds in the whole market.

The fund company's layout of the smart fund portfolio has been rising rapidly. Following the strategic cooperation between China and Kashin fund in early July, it launched the investment portfolio service mode with the third party agencies. GF launched a fund portfolio service named "basic intelligence combination" on its APP platform. It tried to build a decentralized portfolio based on the customer risk preference and asset allocation model, so as to enhance the earnings risk ratio of the fund portfolio in order to cope with the financial needs of the asset allocation era.

As of June 30, 2016, there were 615 stock funds, 1400 mixed funds, 550 bond funds and 234 monetary funds in the whole market, together with other overseas, commodity and alternative funds, totaling more than 3000 (China Securities Investment Fund Association) data. How to select funds that consistently perform well and conform to the current market trend from so many funds has long been a common problem for investors. Intelligent portfolio has become an inevitable trend of investment.

"Now there are two main modes. One is that they have no research capability, and that they can provide portfolios or strategies by external cooperation agencies. Similar to the ants, the daily fund needs fund companies to provide product portfolios, and the two is the third party fund sales platform with its own research capability. Based on the research and strategy combination, the fund is selected again, such as the egg roll fund."

GF asset allocation team members introduced, compared with these institutions, the advantage of public funds is professional research and development capabilities, you can always tell investors to follow the market view, put forward the configuration proposal, if the customer approval can be a key to vote.

Unlike those on the market in the specified period, fund companies can adjust at any time according to market conditions.

"Public offering electricity providers only solve the problem of fund sales from offline to online, essentially selling products, but now the number of fund products has been very large, and the way to sell products is bound to be narrower and narrower."

Wei Hengjiang, deputy general manager of Guangdong Development Fund, said, "the next step must be from the perspective of wealth management.

Wealth management is not just about selling products, but also providing a one-stop solution.

However, gf's fund portfolio service is still mainly based on its fund products.

Wei Hengjiang explained, "from the research team to the layout of fund products, companies already have the ability to provide combined services."

It is understood that in the middle of 2015, the company organized a group of macro, strategy, equity, bond and other researchers to set up an asset allocation team to explore and explore the mode of portfolio investment and management with the electronic commerce department. Since its operation for more than a year, the group has been able to provide a quantitative and basic research support for large categories of asset investment from the macro medium-term analysis to the short-term strategic grasp, from quantitative research to index industry rotation research.

On the other hand, the company's products are covered.

Bonds, QDII, precious metals and other asset classes, especially in the index fund products to create the industry's most complete ETF product line.

According to the introduction, the most prominent advantage of the "Chi Chi portfolio" is that the investment plan matches the personalized financial needs of investors. It will analyze the characteristics of users' risk tolerance and investment expectations for the first time users, and generate a matching fund portfolio for user intelligence according to the results of the analysis. Finally, the user will choose the investment plan that really meets their needs.

In the actual investment process, the "Chi Chi combination" will assist the customers in making investment decisions in real time, and generate optimized inventory adjustment instructions according to market dynamics, so as to help users create more scientific asset allocation schemes.

In addition, in the existing

On the basis of this, Ji Chi will continue to provide new strategies to provide investors with more abundant choices in the future.

In addition to personalized investment portfolios, users can make a list of the multiple funds recommended by the "Chi Chi combination" in operation, and at the same time, in the investment process, carry out a one click and follow up investment based on the intelligent dynamic adjustment scheme provided by the system, which greatly improves the convenience of investment. At the same time, the fund combination scheme is open in real time, and users can also monitor their positions in real time, and the portfolio creation and rebalancing adjustment have timely notification, and the process is completely pparent.

It is worth noting that with the support of powerful system, GF is the first fund company in the industry to realize "automatically adjust the position and invest in one key".