澳洲財富管理：2009年 是由出版商Datamonitor在2009年08月所出版的。
這份英文市場調查報告書包含47 pages 價格從美金4495起跳。
全球經濟危機對澳洲的富裕階層人口造成巨大的影響，使財富經理人的信用降低。為了留住顧客，財富經理人必須深知這些重要收入來源的顧客需求的是怎樣的商品、服務和訊息。
本報告書內容包括：澳洲財富管理市場、從投資人、財富經理人雙方觀點進行的分析。內容綱要摘記如下：
概要
實施概要
澳洲資產
- 經過幾年穩健的成長後，澳洲投資人擁有的資產受到全球金融危機的重大衝擊
- 澳洲的勞動市場在2008年之後進入苦戰期
- 事業環境惡化後，個人資產形成愈發困難
- 全球經濟的各種現象轉而成為銷售壓力，影響國內股票市場
- 在2008年之前的些許復甦後，澳洲不動產的價格逐漸下滑
- 澳洲投資人持續抽出股票市場的資金
- 2008年家庭投資人轉而保守的熱潮使存款成為熱門的選擇
- 2009年的資產資料
澳洲超富裕階層的（HNW）投資人
- 進入2009年後雖趨於保守，但在亞太地區中仍還較願意嘗試風險的投資人
- 股票是重要的資產
- 未來2年內，股票和存款仍會是HNW的重要資產
- 精通投資、對財富經理人要求的水準也高的澳洲投資人
- HNW擁有關於商品及市場條件平均以上的知識水準
- 對自已利用的財富管理服務相關要求水準高
- 全球不景氣使澳洲投資人的要求產生變化
- 市場的不透明度促使大多數的HNW開始尋求自已容易掌握的投資標的
澳洲財富經理人的觀點
- 未來2年內，隨著HNW的要求轉向直接投資，財富經理人也會將資源集中在該領域
- 大多數的HNW顧客在未來2年內將要求直接投資
- 財富經理人也可望會在未來2年內將資源集中在直接投資市場
- 財富經理人選擇的主要影響因素是人脈，但服務提供企業的財務穩定性受到前所未有的重視
- 對澳洲的HNW而言，財務穩定度極為重要
- 財富經理人將人脈視為自己最大的優勢，將投資成績視為自己最大的弱勢
- 增加直接對話機會的同時，靈活應用顧客關係管理（CRM）方法，進而獲得顧客對企業財務穩定度的信賴是擴大「錢包佔有率」的重要因素
- 財富經理人比亞太地區其他地區的同業業者更頻繁接觸顧客
- 比亞太地區其他地區同業業者更頻繁打電話給顧客
- 比亞太地區其他地區同業業者更積極地與顧客接觸
- HNW要求程度最高的話題是個人資產的運用成績及現在的投資機會
附錄
圖表
Abstract
Introduction
The global economic crisis has had a major effect on Australia' s onshore
wealthy population, potentially causing them to lose faith in their wealth
managers. To keep clients, wealth managers need to know what this lucrative
customer wants from them, in terms of products, services and interaction.
Scope of this research
- HNW demographic and attitudinal attributes based on our Wealth Management
Market Leaders Survey 2009
- Extensive primary research from 16 wealth management companies highlights
their strategies for revenue growth, acquiring and keeping clients
Research and analysis highlights
Australian HNWs are displaying typically defensive behavior in the face of the
economic instability, and have lifted their proportion of assets held in cash
in 2009. Despite this, equities still accounted for the largest share of
average portfolios.
Clients place great importance on their personal relationship with their
wealth manager, and Datamonitor recommends that providers should be increasing
their client contact during the downturn, as it provides an opportunity to
return confidence to the client after most have lost significant amounts of
their wealth.
Australian wealth managers see increased face-to-face contact, gaining better
leverage from relationship managers and convincing clients that they are
financial sound as key methods to increasing share of wallet.
Key reasons to purchase this research
- Understand the HNW population' s investments by sector and geography,
appetite for risk, and reasons for choosing/leaving their wealth service
- Assess the threats and opportunities for wealth managers by understanding
how peers are planning to grow revenues, acquire and keep clients
Table of Contents
OVERVIEW
- Catalyst
- Summary
- Methodology
EXECUTIVE SUMMARY
- The wealth of Australian investors suffered at the hands of the global
financial crisis
- HNWs have become more defensive, but equities still represent an important
asset for the future
- Wealth managers are expected to invest resources into equities in the
future, while financial stability has become particularly important for
clients in the downturn
AUSTRALIA' S WEALTH
- After years of solid growth, the wealth of Australian investors was
impacted by the global financial crisis
- The Australian labor market started struggling in 2008
- Conditions for business owners weakened, making it harder to generate
wealth
- Events in the global economy sparked selling pressure in the local stock
market
- Property prices in Australia declined after staging a small recovery in
the lead up to 2008
- Australian investors continued to pulled money out of equities
- A flight to safety from household investors saw deposits become heavily
favored in 2008
- The wealth data in 2009
THE AUSTRALIAN HNW INVESTOR
- Australian HNWs have become more defensive in 2009, but they remain more
risk-seeking than the Asia Pacific average
- Equities represent an important asset class for Australian HNWs
- Over the next two years, equities and deposits will remain the most
important asset classes for HNWs
- Australian HNWs have superior knowledge of investments and are more
demanding towards their wealth managers
- HNWs exhibit higher-than-average knowledge of products and market
conditions
- Australian HNWs are demanding when it comes to their wealth management
service
- The global downturn has shifted the demands of Australian investors
- Due to uncertainty in the markets, the majority of HNWs want investments
that they can easily understand
THE AUSTRALIAN WEALTH MANAGER' S VIEW
- Over the next two years, HNWs will be demanding direct equities and, as a
result, wealth managers are planning to focus most of their resources on this
area
- The majority of HNW clients will be demanding direct equities over the
next two years
- Wealth managers expect to focus their resources on direct equity
investments over the next two year
- While personal relationships are still key in HNWs choice of wealth
managers, they are focusing much more on the financial stability of providers
- Financial stability is very important to HNWs in Australia
- Australian wealth managers see personal relationships as their biggest
strengths and investment performance as their biggest weaknesses
- Increasing face-to-face contact, better leverage of CRM and convincing
clients that the firm is financially sound are important factors for
increasing share of wallet
- Financial stability has emerged as an important attribute this year for
wealth managers to possess
- Australian wealth managers are contacting their clients more frequently
than their Asia Pacific counterparts
- Australian wealth managers contact their clients over the phone more
frequently than the Asia Pacific average
- Australian wealth managers are slightly ahead of their Asia Pacific
counterparts at getting in front of their clients
- The performance of individual asset classes and the investment
opportunities of today are what HNWs most want to talk about when they speak
to their wealth manager
APPENDIX
- The drivers of growth in the wealthy population
- Income growth (combined with inflation, changes in GDP by sector,
household savings rates and debt levels)
- Investment returns (market capitalization, interest rates and bond
yields)
- The following measures are not, in themselves, drivers of wealthy
population growth
- Market capitalization
- GDP
- The following measures are not drivers of wealthy population growth except
under very restricted circumstances
- Primary residence value growth
- Inheritance
- Methodology
- Wealth Management Market Leaders Survey 2009
- Global Wealth Model
- Bibliography
- Definitions
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
TABLES
- Table: What proportion of your HNWs' portfolios is allocated to the
following five asset classes?
- Table: HNWs portfolio allocation by product area now and in two years' time
- Table: HNW attributes on a scale of 1 to 4 (1 = very low, 2 = somewhat
low, 3 = somewhat high, 4 = very high)
- Table: HNW attributes on a scale of 1 to 4 (1 = very low, 2 = somewhat
low, 3 = somewhat high, 4 = very high)
- Table: What are HNWs demanding today?
- Table: Over the next two years, how much demand do you expect from HNWs
for the following product areas?
- Table: What product areas will your wealth management service focus most
resources on over the next two years?
- Table: What will determine HNWs' choice of wealth management service over
the next two years?
- Table: What are your company' s biggest strengths and weaknesses today?
- Table: What is the most effective means of increasing share of wallet
today?
- Table: On average, how often do your relationship managers speak by phone
to each HNW client?
- Table: On average, how often do your relationship managers speak in person
to each HNW client?
- Table: When speaking with clients, what do they most want to talk about
today?
FIGURES
- Figure: In 2008, the Australian labor market was hit by higher
unemployment and lower average wages
- Figure: The global financial crisis had a dampening effect on business
conditions and confidence in 2008
- Figure: Like most developed economies in the Asia Pacific region,
Australia' s stock market declined sharply in 2008
- Figure: After a small surge in home prices between 2005 and 2007, prices
declined in 2008
- Figure: Australian investors adopted a defensive attitude towards
investing in 2007 and 2008
- Figure: The majority of Australian HNW wealth is invested in equities,
with this accounting for 26% of all investments
- Figure: By 2011, the majority of HNW assets in Australia will be invested
in equities, with this accounting for a quarter of all investments
- Figure: HNW investors in Australia have greater product knowledge than the
average Asia Pacific HNW investor
- Figure: Personal relationships and personal contact are still paramount in
retaining HNWs
- Figure: In Australia, HNW investors' greatest demand is for simple,
transparent investments
- Figure: Over the next two years, the greatest need among HNW investors in
Australia will be for direct equity investment, with 92% of HNW investors
demanding this category of product
- Figure: Wealth managers in Australia will be focusing most of their
resources on direct equity investment over the next two years
- Figure: HNW investors in Australia will be most influenced by a provider' s
personal relationships with its clients when choosing a wealth manager over
the next two years
- Figure: The greatest strength of wealth managers in Australia is their
personal relationships with clients
- Figure: The best way for wealth managers in Australia to increase share of
wallet is to increase face-to-face contact with their clients
- Figure: In Australia, most relationship managers speak to clients by phone
approximately once a week
- Figure: Relationship managers speak to clients in person between once a
month and once a quarter
- Figure: The majority of clients in Australia want to speak to their wealth
manager about the performance of specific asset classes within their portfolio
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