Author丨Senluo
Producer丨Lanxi
Recently, the "2022 Overseas Investment and Financial Management Crowd Insight Report" (hereinafter referred to as the "Report") released by Changle Global and Ipsos Consulting disclosed a representative data: Investors in the mainland who have invested in for the first time in overseas investment in are mainly concentrated in the ages of 21-25 years old. shows that this generation of young people are eager to try diversified asset allocation , and even set their sights on overseas markets with higher investment difficulty and complexity. The influx of emerging investors such as
has a direct benefit to the platform focusing on global one-stop financial services. However, compared with mature investors, the current young investors have more distinct operating styles and industry preferences. They even dare to force , Wall Street to compete for GameStop's "pricing rights". How to serve these young people well in
has become the most critical issue before financial platforms share the market dividends . Fortunately, the report now brings a highly granular observation sample, which brings new development ideas to the financial industry, while allowing the industry to gradually see this young investor clearly.
Overseas asset allocation, ushering in a "new face"
When it comes to overseas asset allocation, people often think of high-net-worth people in suits and ties. They have heavy capital and are proficient in using various quantitative hedging tools to kill all the capital market .
But the report reveals a more dynamic picture: A group of young people in the Internet, retail, real estate, pan-entertainment, medical and other industries have about 3 years of investment experience and began to try their best in overseas financial markets. They love outdoor sports and are willing to actively participate in emerging sports such as Frisbee , and bring this spirit of courage to explore to the secondary market. Compared with daily consumption, they account for a higher proportion of investment and financial management, and are willing to create more capital accumulation through rational consumption to invest in the future.
From the report, we can see that these emerging investors' enthusiasm for overseas assets is actually traceable:
As a result, they have innate advantages in obtaining information, and in the process of using various pan-entertainment APPs, they will subconsciously pay attention to the stocks of related companies. Secondly, many young people are employees of Internet companies listed overseas. After being granted stock options, they will start overseas investment learning. There is also a high probability that they will invest in other overseas targets after cashing out the stock.
The author believes that another important factor is that more and more employees of Internet companies realize that "high salary" is not the norm. Instead of waiting for the "youth meal" to be exhausted, it is better to find growth-oriented companies in the overseas capital market to invest and find your own "long-term meal tickets".
After a variety of internal and external factors have produced "combined forces", these post-95s and post-00s have scrambled to start overseas asset allocation. Their independent characteristics and style of conduct have also injected new variables into the overseas investment market.
For example, in terms of industry selection, Traditional investors are very cautious about emerging industries, including stock god Buffett , which took many years to get out of the "comfort zone" and invested in Apple . The report found that young overseas investors can participate in the use of emerging products, and their work experience can also be used to verify their investment logic, so they are more confident in investing in emerging industries.
Another example is knowledge reserves, This year's young investors are mostly "high-knowledge" groups with undergraduate studies and overseas study experience, and can overcome the language barriers and product complexity of overseas investment. Through the experience accumulated by domestic investment and the help of friends and work circles, they can quickly get started with overseas investment.
The report found that young investors today are surprisingly rational and calm, and can handle it calmly even when facing extreme market conditions. They want to achieve asset appreciation through investment, and enjoy the process of research and progress.Including in the consumption scenarios in life, they will unconsciously bring in this "investment concept" and pursue the goal of increasing value and preserving value.
At this stage, these post-95s and post-00s may not be comparable to those high-net-worth users, but they have extremely strong growth and plasticity. On the one hand, the accumulation rate of their personal wealth is in an upward period, and the exponential growth of their disposable assets. On the other hand, these investors have a high risk appetite, strong desire for knowledge, and are more willing to contact emerging technologies and industries. As emerging investors continue to grow in size, a brand new team of "global asset catchers" is about to exert influence.
One-stop financial service platform "has been windy"
It is not difficult to find that emerging investors participating in overseas asset allocation are not on a whim, but regard investment as a "new pole" parallel to workplace and life goals. While frequently regulating global assets, they will also have many new consumer demands in the choice of financial platforms.
First of all, it is the compatibility of the platform.
The report found that investors' first contact with overseas investment often occurs through the linkage between the circles around them and the trading platform products.
For example, Xiao Zhang, an Internet company practitioner, heard from his colleague that the super high returns of , the Hong Kong stock new stock issuance. Just now, he found that the trading software he used supports hong kong stocks, and he will soon take the "first step". After operating for a while, Xiao Zhang wanted to try to invest in US stocks as a "value investor". As long as the trading software can support Hong Kong stock accounts to purchase US stocks, he will take this opportunity to continue to expand the investment boundaries.
It can be seen that as long as the platform has good compatibility, it can continue to benefit in the growth of investors. like one-stop global stock trading , financial management platform Changle Global Connect provides market transactions such as Hong Kong stocks, US stocks, A shares , Singapore stocks, and other market transactions. It also has public funds , ETFs, smart investment advisors, cash financial management, insurance and other diversified financial products and services, which can meet the various "breaking circle" needs of overseas investors. Up to now, the platform has achieved more than 1.7 million downloads, which shows that its one-stop financial service capabilities have been recognized by overseas investors.
Secondly, it is an attractive transaction fee rate.
Through the report, we can see that overseas investors will allocate financial assets based on the economic development potential of various parts of the world. For example, the capital allocation of US stocks and Hong Kong stocks is significantly higher. The average annualized rate of return of investors participating in the survey can reach 14%. The loss rate is generally no more than 10%. Such accurate profit and loss control as
is naturally inseparable from the "bottom-of-charge" of platform fees.
Take a well-known platform as an example. Users need to pay a certain commission and new commission during the transaction process. To enable Hong Kong stock financing position , a certain proportion of Hong Kong dollars will be required. In comparison, the Changle Global Connect users in the "Report" can enjoy 0 commissions, 0 new transaction fees and lower financing interest rates by opening members, which can save considerable transaction costs and create excess returns.
Finally, it is rich and distinctive functions.
Global asset allocation adjustment is more flexible and will require cash management business more than single-market investments to improve capital utilization. At the same time, investors also need professional tools and products as auxiliary investment methods when investing in emerging industries. The observations in the report confirm this: the survey shows that overseas investors are most optimistic about the investment potential of the new energy and artificial intelligence industries. You should know that the markets in these emerging fields are fluctuating greatly and need the assistance of fixed investment, grid, ETF and other products. Another set of data shows that during the investment process, investors will continuously adjust the investment direction of funds, among which overseas public funds, fixed income products and real estate are the investment adjustment directions that rank first.
Based on this, investors need the platform to provide a large number of special functions to meet investment demands.Taking Changle Global Communication as an example, the platform has independent cash management products and provides an exchange rate discount mechanism in terms of currency exchange. During the investment process, users can also use stock investment, grid trading, US stock special markets and other services; one-stop access to fund investment advisor, high-end financial management, overseas insurance and other financial products to facilitate and flexibly use investment funds.
When a group of highly potential overseas investors meet a professional one-stop platform, both parties will definitely hit it off and achieve win-win results.
embrace change and respect demand
In addition to investment, overseas investors also have their own independent needs in information acquisition and other aspects.
As shown in the "Report", overseas investors believe that information is a basic need and have high requirements for the richness, timeliness, objectivity, professionalism, convenience and pertinence of information. It also requires social areas within the platform to facilitate information exchange, experience sharing and logical discussion among investors. In terms of information, investors hope to see more knowledge and popular science audio and video content, and at the same time, they hope to have in-depth graphics and text content as reference in decision-making.
For financial service platforms, these needs should be respected and realized, and to provide more considerate services to overseas investors by "embracing changes".
The report gave four constructive opinions: First, strengthen user awareness through social marketing and other methods, second, retain users through the upgrade of APP design aesthetics and functional convenience, third, strengthen the platform financial technology attributes to benefit users, and fourth, reduce content acquisition costs and increase users' information retrieval efficiency.
has reason to believe that these suggestions are also the upgrade direction that Changle Global Tong APP is optimizing or has achieved results. As Changle Global Communication shares these valuable experiences through the report, the entire industry can benefit from it and share the market dividends of "popularization" of overseas asset allocation through the continuous improvement of product strength. And those young overseas investors who are full of expectations for the future will also find their wealth codes more easily from high-quality assets around the world.
