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香港のウェルスマネジメント (資産管理) 市場 - HNW (富裕層) 投資家:2019年

Hong Kong Wealth Management: HNW Investors 2019

出版日: | 発行: GlobalData | ページ情報: 英文 44 Pages | 納期: 即納可能 即納可能とは

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香港のウェルスマネジメント (資産管理) 市場 - HNW (富裕層) 投資家:2019年
出版日: 2020年03月05日
発行: GlobalData
ページ情報: 英文 44 Pages
納期: 即納可能 即納可能とは
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  • 概要
  • 図表
  • 目次
概要

香港のHNW (富裕層) 投資家は、専門家男性や起業家男性に大きく偏っていますが、ほとんどの形態の資産に関するアドバイスや税務計画に強い需要を示しています。投資におけるマルチサービスの提案は、増加するHNW人口を活用する鍵になると見られています。ロボットアドバイスのような新しいオプションへの需要の高まり、世代間の富の移動、女性層の増加は、香港を拠点とするウェルス・マネージャーにとって、当面の間に最も大きな成長の機会を提供すると考えられます。

当レポートでは、香港のウェルスマネジメント (資産管理) 市場について調査分析し、投資の選好と資産配分について、体系的な情報を提供しています。

目次

第1章 エグゼクティブサマリー

第2章 規模と予測

  • 香港の個人HNWの割合は、停滞した成長が長年続いた後に上昇する見込み
  • 香港の流動資産の大部分は個人HNWに集中

第3章 人口統計

  • 金融サービス業で雇用されているHNW専門家が、有利なターゲット市場を表す
  • 金融サービス業が、主要な (そして成長中の) HNW資産ジェネレーター

第4章 海外駐在HNW

  • 外国人駐在員は、HNW市場の平均を上回るが、急速に縮小するセグメント

第5章 HNWの投資スタイルの選好

  • 専門知識の欠如とより良いリターンの期待がアドバイスを促進
  • 投資と実行専用サービスの自動化が、従来型のウェルスマネージャーに機会を提供

第6章 HNWの資産配分の選好

  • さらなる多様化への欲求が、HNW投資家間の代替案の普及を促進

第7章 オフショア投資の促進要因と動機

  • 香港の投資家は、自身の資産の半分をオフショア
  • HNW個人のビジネス上の関心が、海外投資を促進

第8章 HNW製品とサービスの需要

  • HNW投資家には、ほとんどの資産サービスに適度な需要
  • 永続的な市場成長が、基本的な財務計画の需要を促進

第9章 付録

図表

List of Figures

  • Figure 1: The proportion of HNW individuals in Hong Kong will rise at a slower rate in the short term
  • Figure 2: Hong Kong affluence will rise at a slower rate in the future - but rise it will
  • Figure 3: HNW individuals are predominately older males but a wave of younger women is coming
  • Figure 4: HNW individuals mainly derive their wealth from earned income followed by entrepreneurship
  • Figure 5: Tech and telecoms have helped power the current generation of HNW investors
  • Figure 6: Expats represent an above-average proportion of the Hong Kong HNW population
  • Figure 7: HNW expats are drawn to Hong Kong for the intergenerational opportunity
  • Figure 8: Lack of expertise and better returns through advisors drive demand for professional advice
  • Figure 9: Hong Kong HNW individuals use a larger number of wealth managers than the regional average
  • Figure 10: Advisory mandates remain key in Hong Kong's HNW space
  • Figure 11: Higher demand for advisory services should keep it as the dominant asset management type in Hong Kong
  • Figure 12: Demand for advisory asset management remains strong, with smaller growth expected in execution-only and automated investment services
  • Figure 13: HNW individuals self-direct in order to maintain exclusive control and avoid management fees
  • Figure 14: Hong Kong HNW individuals have a balanced but rather defensive asset allocation
  • Figure 15: Equity funds are the single most popular product among HNW individuals
  • Figure 16: Equities will experience the highest net increase in demand with a potential Ant Financial bump
  • Figure 17: Risk aversion, a desire for regular income, and diversification benefits strongly affect asset allocation preferences
  • Figure 18: Hong Kong HNW offshore holdings are above the Asia Pacific average
  • Figure 19: Equities dominate offshore portfolios, reflecting both the ease of investing in China and global links
  • Figure 20: Classic offshore booking centers command most of the offshore portfolio; near shore, Singapore is rising
  • Figure 21: HNW individuals are offshoring wealth mainly due to their international business links
  • Figure 22: Demand is most pronounced for socially responsible investments along with inheritance and tax advice
  • Figure 23: Basic financial planning and life insurance will see the strongest growth in demand
目次
Product Code: GDFS0311CI

Hong Kong's HNW investors - who skew heavily towards professional and entrepreneurial males - show strong demand for most forms of wealth advice and tax planning. A multi-service proposition, underpinned by proven expertise in investment, will be key to tapping into the growing HNW population. A burgeoning appetite for novel options such as robo-advice, the upcoming transfer of wealth between generations, and the growing female segment provide arguably the most significant growth opportunities for Hong Kong-based wealth managers in the foreseeable future.

This report analyzes the investing preferences and portfolio allocation of Hong Kong's HNW individuals. It profiles HNW investors in terms of their demographics, examines the allocation of HNW investors' portfolios, analyzes their propensity to invest offshore, and explores product and service demand among UK HNW investors.

Scope

  • While currently small, the proportion of the HNW market made up of women will grow significantly as intergenerational wealth transfers propel many into the ranks of the HNW and the older-age structure of local HNW men means more churn in their numbers.
  • A little less than a quarter of HNW individuals in Hong Kong are expats, and providers that understand the distinct needs of this lucrative segment will be able to achieve higher margins.
  • Hong Kong HNW individuals use an average of 5.5 wealth managers and invest just a quarter of their managed wealth with their main wealth manager, highlighting the crowded nature of the market.
  • A fifth of HNW wealth is placed in execution-only mandates, with a desire to maintain control and save on fees being key drivers.
  • HNW individuals in Hong Kong invest an average of 50% of their total managed wealth offshore.

Reasons to Buy

  • Develop and enhance your client-targeting strategies using our data on HNW profiles and source of wealth.
  • Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors' preferences for the various styles of asset management.
  • Tailor your investment product portfolio to match the current and future demand for different asset classes among HNW individuals.
  • Develop your service proposition to match the service and product demand expressed by HNW investors in Hong Kong and react proactively to the forecast change in demand.

Table of Contents

1. EXECUTIVE SUMMARY

  • 1.1. Hong Kong's HNW investor base is in flux, requiring shrewd targeting
  • 1.2. Key findings
  • 1.3. Critical success factors

2. SIZING AND FORECAST

  • 2.1. The proportion of HNW individuals in Hong Kong is forecast to rise after years of anemic growth
  • 2.2. The majority of Hong Kong's liquid assets are concentrated among HNW individuals

3. DEMOGRAPHICS

  • 3.1. HNW professionals employed in the financial services industry represent a lucrative target market
    • 3.1.1. The majority of HNW individuals have reached or are approaching retirement age
    • 3.1.2. Earned income followed by entrepreneurship account for the majority of HNW wealth
  • 3.2. The financial services industry is the main (and growing) HNW wealth generator

4. HNW EXPATS

  • 4.1. Expats are an above-average but rapidlyshrinking segment of the HNW market
    • 4.1.1. Expats constitute 23% of the local HNW market, which is high compared to other high-immigration nations but represents a sharp decrease
    • 4.1.2. HNW expats from the US, Japan, and (of course) China represent an attractive target segment
    • 4.1.3. Intergenerational opportunities and lifestyle factors are the biggest drivers for expats

5. HNW INVESTMENT STYLE PREFERENCES

  • 5.1. A lack of expertise and the expectation of better returns drivethe uptake of advice
    • 5.1.1. Wealth managers are still seen as having expertise worth paying for in Hong Kong
    • 5.1.2. Hong Kong HNW investors are promiscuous, catered to be the ample local wealth market
    • 5.1.3. The largest proportion of HNW wealth is kept in advisory mandates
    • 5.1.4. A sophisticated proposition is becoming increasingly importantin order to attract HNW investors
  • 5.2. Automated investment and execution-only servicesoffer opportunities fortraditional wealth managers
    • 5.2.1. The strongest growth in demand will be for advisory asset management, ensuring its continued dominance
    • 5.2.2. HNW investors self-direct to cut costs and retain control over their assets

6. HNW ASSET ALLOCATION PREFERENCES

  • 6.1. A desire for further diversification will drive the uptake of alternatives among HNW investors
    • 6.1.1. Equities and bonds have reduced in terms of exposure and the portfolio looks defensive
    • 6.1.2. Equities constitute almost a quarter of HNW investors' managed wealth
    • 6.1.3. Equities to show the strongest growth over the next year supported by mainland links
    • 6.1.4. Investmentsare driven by expected higher income or risk aversion

7. OFFSHOREINVESTMENT DRIVERS AND MOTIVATORS

  • 7.1. Hong Kong investors offshorehalf their own wealth
    • 7.1.1. Much of the HNW opportunity is captured offshore
    • 7.1.2. Offshore asset allocation favors equities
    • 7.1.3. Singapore captures the greatest share of offshored HNW Hong Kong wealth
  • 7.2. HNW individuals' business interests drive offshore investment

8. HNW PRODUCT AND SERVICE DEMAND

  • 8.1. HNW investors have moderate demand for most wealth services
    • 8.1.1. Socially responisible investments and philanthropy provide an opportunity for wealth managers to stand out
  • 8.2. Enduring market growth will drive demand for basic financial planning
    • 8.2.1. Demand for financial and tax planning is set to increase
    • 8.2.2. Life insurance represents a growing opportunity
    • 8.2.3. Inheritance planning will continue to grow

9. APPENDIX

  • 9.1. Abbreviations and acronyms
  • 9.2. Definitions
    • 9.2.1. Affluent
    • 9.2.2. HNW
    • 9.2.3. Liquid assets
  • 9.3. Methodology
    • 9.3.1. GlobalData's 2019 Global Wealth Managers Survey
    • 9.3.2. Level of agreement calculation
    • 9.3.3. Service level of demand score
    • 9.3.4. Forecast level of demand calculation
  • 9.4. Secondary sources
  • 9.5. Further reading
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