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市場調査レポート

インドネシアの資産:富裕層 (HNW) 投資家

Wealth in Indonesia: HNW Investors 2017

発行 GlobalData 商品コード 516116
出版日 ページ情報 英文 46 Pages
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インドネシアの資産:富裕層 (HNW) 投資家 Wealth in Indonesia: HNW Investors 2017
出版日: 2017年06月09日 ページ情報: 英文 46 Pages
概要

当レポートでは、インドネシアの資産管理 (ウェルスマネジメント) 市場について調査分析し、富裕層 (HNW) における人口統計、投資の選好、サービスの需要など、体系的な情報を提供しています。

第1章 エグゼクティブサマリー

第2章 インドネシアのHNW投資家のプロファイル

  • 男性に大きく偏り、アジア太平洋地域の同業者と比べても高齢
  • 国外居住者は、HNW人口のごく一部

第3章 インドネシアのHNW投資スタイルの選好

  • 時間の節約と専門知識の恩恵を受けるために、複数の資産管理会社を利用
  • 資産の多くは依然として未管理、大きな機会に
  • 資産管理の顧問に対する高い需要がさらに増加

第4章 インドネシアのHNW投資家間における資産配分の動向

  • 株式や担保の台頭で、現金への依存が低下

第5章 HNW製品とサービスの需要

  • 税務相談が主要なサービスに

第6章 付録

目次

HNW investors of Indonesia have predominately accumulated their wealth through business interests, with property and manufacturing key wealth generators. Investors show strong demand for advisory mandates, but a significant proportion of wealth remains unmanaged. Defensive investments dominate the average portfolio, and while this is not expected to change we do forecast a decrease in demand for cash, while demand for fixed income is expected to rise. Tax planning is most sought after, but demand for pension and financial planning is on the rise.

Critical success factors in HNW Investors market

  • Capitalize on the untapped potential: A large pot of Indonesian HNW wealth remains unmanaged. An excellent track record, a wide range of financial products, and a focus on the convenience aspect of professional advice will be key to seizing this opportunity.
  • Match the growing demand for tax planning: Indonesia's tax amnesty is driving demand for tax planning in the country. Wealth managers lacking in-house expertise should consider partnerships.
  • Build up a strong corporate offering: A significant proportion of HNW wealth continues to be self-directed; with the main reason being the noteworthy proportion of investments is non-financial assets, such as HNW investors' own business ventures. Wealth managers with a strong corporate offering will be able to get their hands on these assets.

Key points to note -

  • Indonesian HNW individuals tend to be older than their regional peers.
  • The expat opportunity is less developed than in Asia Pacific, but wealth managers reaching out to HNW expats from South Korea or Singapore will find them to be a lucrative target market.
  • The country's HNW investors engage multiple wealth management firms, which is symptomatic of a relatively underdeveloped and risk-averse wealth market.
  • A lack of expertise and time are the top drivers for Indonesian HNW investors to seek professional advice, while non-financial investments are the main reason they self-direct.
  • HNW demand for equity, fixed income, and alternatives is forecast to rise over the next 12 months, while demand for cash and near-cash products is expected to decrease.
  • A multi-service strategy - encompassing tax, financial, and pension planning - is becoming increasingly important as demand for these services is on the rise.

The report "Wealth in Indonesia: HNW Investors 2017" analyzes the investment preferences and portfolio allocation of Indonesian HNW investors.

Specifically the report provides the following -

  • Profiles the average Indonesian HNW investor in terms of their demographics and analyzes the expat opportunity in Indonesia.
  • Analyzes which wealth management mandates are preferred among Indonesian HNW investors and how demand will develop looking forward.
  • Examines the allocation of Indonesian HNW investors' portfolios into different asset classes and how this is expected to develop in the future.
  • Analyzes product and service demand among Indonesian HNW investors.

Company mentioned in this report: Bank International Indonesia

Scope

  • Indonesian HNW individuals tend to be older than their regional peers.
  • The expat opportunity is less developed than in Asia Pacific, but wealth managers reaching out to HNW expats from South Korea or Singapore will find them to be a lucrative target market.
  • The country's HNW investors engage multiple wealth management firms, which is symptomatic of a relatively underdeveloped and risk-averse wealth market.
  • A lack of expertise and time are the top drivers for Indonesian HNW investors to seek professional advice, while non-financial investments are the main reason they self-direct.
  • HNW demand for equity, fixed income, and alternatives is forecast to rise over the next 12 months, while demand for cash and near-cash products is expected to decrease.
  • A multi-service strategy - encompassing tax, financial, and pension planning - is becoming increasingly important as demand for these services is on the rise.

Reasons to buy

  • Develop and enhance your client targeting strategies using our data on HNW profiles and sources of wealth.
  • Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors' drivers for seeking investment advice vs self-directing.
  • Tailor your investment product portfolio to match current and future demand for different asset classes among HNW individuals.
  • Develop your proposition to match the product and service demand expressed by Indonesian HNW investors and react proactively to forecasted changes in demand.

Table of Contents

1. EXECUTIVE SUMMARY

  • 1.1. Entrepreneurship is the leading generator of HNW wealth
  • 1.2. Key findings
  • 1.3. Critical success factors

2. PROFILING THE INDONESIAN HNW INVESTOR

  • 2.1. Indonesian HNW investors skew heavily towards males and are typically older than their Asia Pacific peers
    • 2.1.1. The majority of Indonesian HNWs are family business owners and entrepreneurs
    • 2.1.2. A lower proportion of Indonesian HNW individuals are directors or chairmen
    • 2.1.3. The majority of Indonesian HNW investors have established their fortunes in either property or manufacturing
  • 2.2. Expats form a small proportion of the overall HNW population
    • 2.2.1. The number of HNW expats in Indonesia is below the Asia Pacific average
    • 2.2.1. Most HNW expats are from South Korea or Singapore

3. INDONESIAN HNW INVESTMENT STYLE PREFERENCES

  • 3.1. Indonesian HNW investors use several wealth management firms to save them time and to benefit from their expertise
    • 3.1.1. Indonesian HNW investors are more likely to spread their wealth across multiple wealth management firms than their regional peers
    • 3.1.2. Indonesian wealth managers are chosen for the time they save their HNW clients and their expertise
  • 3.2. The large pot of Indonesian HNW wealth that remains unmanaged is a significant opportunity
    • 3.2.1. A majority of Indonesian HNW investors' portfolio is not placed with a professional wealth manager
    • 3.2.2. Indonesian investors opt for advisory asset management to save time and cap costs, whereas discretionary asset management is about optimizing returns
    • 3.2.3. Significant investments in non-financial assets mean a noteworthy proportion of HNW wealth is self-directed
  • 3.3. Already high demand for advisory wealth management will increase further among HNW Indonesians
    • 3.3.1. Indonesian wealth managers are experiencing the most demand for advisory mandates
    • 3.3.2. A majority of Indonesian wealth managers expect demand for advisory and execution-only mandates to increase in the next two years

4. ASSET ALLOCATION TRENDS AMONG INDONESIAN HNW INVESTORS

  • 4.1. Investors' reliance on cash looks set to subside as equities and bonds come to the fore
    • 4.1.1. Indonesian HNW asset allocation currently over-indexes with cash and bonds compared to elsewhere in Asia
    • 4.1.2. HNW demand for equities will increase as investors seek higher returns
    • 4.1.3. Already popular bond investments are forecast to further increase in popularity
    • 4.1.4. Cash and near-cash allocation will likely fall as real returns deteriorate
    • 4.1.5. Property will become a slightly more attractive option for risk-averse investors
    • 4.1.6. Although only a small component of HNW portfolios, demand for alternatives is forecast to increase
    • 4.1.7. Demand for commodities has fallen since 2014 as prices have trended downwards

5. HNW PRODUCT AND SERVICE DEMAND

  • 5.1. Tax advice should be a staple in every wealth manager's service proposition
    • 5.1.1. Inheritance planning solutions are sold rather than bought
    • 5.1.2. The outlook for financial, pension, and tax planning is relatively positive

6. APPENDIX

  • 6.1. Abbreviations and acronyms
  • 6.2. Definitions
    • 6.2.1. Affluent
    • 6.2.2. HNW
    • 6.2.3. Liquid assets
    • 6.2.4. Mass affluent
  • 6.3. Methodology
    • 6.3.1. GlobalData's 2016 Global Wealth Managers Survey
    • 6.3.2. GlobalData's WealthInsight HNW data
  • 6.4. Bibliography
  • 6.5. Further reading

List of Figures

  • Figure 1: Indonesian HNW investors are typically male, and are older than their Asia Pacific peers
  • Figure 2: Business interests are the leading generator of Indonesian HNW wealth
  • Figure 3: A higher proportion of Indonesian HNW individuals are presidents or commissioners compared to the wider region
  • Figure 4: Property and real estate is the main way HNW investors accumulate their wealth
  • Figure 5: The proportion of HNW expats in Indonesia is lower than elsewhere in the region
  • Figure 6: South Koreans account for over half of Indonesian HNW expats
  • Figure 7: Indonesian HNW clients use four or more wealth managers on average, but place over half of their investments with their main wealth manager
  • Figure 8: Lack of time and expertise drive demand for professional wealth management among HNW Indonesians
  • Figure 9: Allocations in execution-only mandates are above the regional average, but most Indonesian investments are not professionally managed
  • Figure 10: An expectation of higher returns is driving demand for discretionary asset management
  • Figure 11: Execution-only HNW clients are driven to self-direct by a range of factors
  • Figure 12: Local wealth managers currently experience limited demand for automated advice
  • Figure 13: Over half of Indonesian wealth managers expect to see an increase in advisory asset management demand
  • Figure 14: Current Indonesian HNW asset allocation differs from the wider region, as do expectations around future demand
  • Figure 15: Approaching two thirds of Indonesia's HNW equity portfolio is held in funds
  • Figure 16: HNW demand for equities is expected to increase by the majority of local wealth managers
  • Figure 17: Indonesian HNW bond holdings skew towards direct allocation
  • Figure 18: Nearly all local wealth managers expect bond demand to increase
  • Figure 19: Indonesian HNW investors hold just over a third of investments in cash and near-cash products, which is notably higher than the regional average
  • Figure 20: Indonesian HNW investors are expected to shift their allocation away from cash deposits
  • Figure 21: Indonesian HNW investors hold less than 4% of their wealth in property investments
  • Figure 22: The perception of safety is the key driver of property investments
  • Figure 23: Indonesian HNW investment in alternatives is mostly in private equity
  • Figure 24: Demand for alternatives is expected to rise in the future
  • Figure 25: A tiny proportion of Indonesian HNW investments are held in commodities, aligned with the regional average
  • Figure 26: Demand for commodity investments will increase as investors seek inflation protection
  • Figure 27: Demand for planning services is relatively limited in Indonesia
  • Figure 28: Demand for pension and tax planning services is strongly expected to increase
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