2) What to invest in? 3) How to realize the expected benefits of controllable risks? After 30 years of reform and opening up, the rapid growth of private enterprises has become an important part of market economy and economic prosperity, thus creating a set of data: 6 1% of high-net-worth people are composed of private entrepreneurs, and most of them have1-50 million investable assets. The past 10 years, especially the irrational and immature 10 years of rapid development of real estate commercialization in China, have also created a group of high-net-worth individuals who have become multimillionaires through real estate speculation or investment; Their investment needs have formed a broad market, and the concepts of these high-net-worth people are also advancing with the times. Their financial needs are changing from a narrow investment goal that requires rapid appreciation of assets to a wealth management model that combines predictable returns, inheritance and inheritance of wealth with life goals under controllable risks. Therefore, my answer to customers is: through the research and analysis of successful investment cases of high net worth people, tap the future investment trends and directions. 1. While wealth is growing steadily, a higher quality of life requires creating more wealth and a high-quality life, which is the main wealth goal pursued by high-net-worth people. The report of "20 1 1 China Private Wealth White Paper" shows that most high-net-worth people are under 50 years old, at the peak of their careers, full of energy, and the inertia of pursuing careers and wealth pushes them to create more wealth. At the same time, they pay attention to high-quality life, and the material enjoyment and social status brought by money can no longer meet their needs. "High quality" is largely reflected in spiritual high quality. In addition, high net worth people pay more attention to other wealth goals such as wealth security, wealth inheritance, children's education and personal career development. 2. Domestic real estate investment is decreasing, overseas real estate investment is increasing, and the number of immigrants is increasing. With the repeated introduction of housing market regulation policies, especially the intervention of purchase restriction and mortgage, people's views on the domestic housing market are becoming more and more pessimistic. In interviews with domestic high-net-worth individuals and bank account managers, it is also found that the investment enthusiasm of high-net-worth individuals for directly purchasing domestic housing has dropped significantly. Another noteworthy thing is that China's personal overseas assets have grown rapidly in recent years, with an average compound annual growth rate of about 20 10/0 from 2008 to 20/0. Among them, as the main destination of China's personal overseas investment, from 2008 to 20 10, the compound annual growth rate of personal investment from the mainland exceeded 70%, and its assets accounted for more than half of China's personal overseas assets. 20 1 1 With the further globalization of asset allocation and the demand for investment immigrants from high-net-worth individuals, it is expected that overseas investment will further increase at a high speed. High-net-worth individuals have increased their stocks, reduced their purchases and made great strides in overseas investment. At present, except China and Hongkong, the main destinations for high net worth individuals to invest in overseas real estate are: Australia, the United States, Canada and other immigrant countries. 3. Financial management methods are also changing, and investment channels are more diversified. High net worth individuals view and allocate offshore assets from a global perspective, rather than relying on a single market or a single variety. From the previous large-scale capital chasing high-growth and high-risk investment products to investment products with reasonable capital diversion, stable return period and yield. Such as real estate investment funds, real estate trusts and other products. In fact, the wealth management needs of high-net-worth individuals in China are changing to wealth management needs with richer connotations. The report quoted Zhou, editor-in-chief of the Chinese edition of Forbes, as saying: The proportion of high-net-worth individuals in cross-border asset allocation in China is actually higher than we expected. 4. Put forward higher requirements and standards for investment and financial institutions. To sum up, with the continuous growth of domestic high-net-worth individuals, their investment needs and requirements for their wealth management investment institutions are also changing. As a professional investment institution and financial planner serving customers and Vip customers, bank managers should keep pace with the times, adapt to the needs of this market and meet the investment needs of customers to the maximum extent. About the author: (Victor LiuLei (Mr. Liu Lei), an Australian Chinese, a foreign expert from the Bureau of Foreign Experts Affairs of China, a senior financial planner registered in the United States, and a special overseas real estate investment expert from Phoenix. Com, chief real estate investment analyst of He Xun Overseas Real Estate Channel, special contributor of overseas real estate in sohu finance, chartered real estate agent in Australia, CPB-overseas real estate trainer of financial industry, lecturer of Beijing Contemporary Financial Training Center, chief real estate investment strategist of Aofeng Real Estate Investment Group).