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Guiding clients' equity investment mentally Tianhong Fund's "target investment" has achieved remarkable results

On September 16, according to the Tianhong Fund, the “Target Investment” of the profit-making fixed investment jointly launched by the Tianhong Fund and the Ant Fund was launched in less than a year, and the number of customers served has exceeded one million.

"Target investment" is a new type of fixed investment service based on ordinary fixed investment, with goal setting and automatic selling. The product currently invested is Tianhong CSI 300 Index Fund. Investors can set the target rate of return on their own. Tianhong Fund calculates the time and probability required to achieve the target rate of return in history based on historical data of the Shanghai and Shenzhen 300 Index. It gives customers a reference for a certain investment period, but it does not represent Forecast for future earnings.

Compared to other fixed investment services, the innovation of "target investment" is that the customer sets investment goals by himself. When the target rate of return is reached, the user automatically sells profit. "Target investment" optimizes the fund purchase process, can guide customers to set investment goals more reasonably, and can predict the fixed investment period, help customers to adhere to fixed investment, long-term holding of equity funds when market fluctuations, and share China's economic growth And dividends for growth of outstanding companies.

From the historical records, public fund returns have been good in the past 15 years, and the annualized return rate of stock funds averaged 14.1%, which was significantly higher than the market's risk-free rate of return. However, better long-term performance has not gained recognition from customers. The size of equity funds has not seen growth for 10 years. As of the end of 2018, the total size of domestic equity and partial equity funds accounted for only 13.1%, and equity assets were in A shares. The proportion of market value has even dropped from nearly 8% in 2007 to less than 3% today.

Due to the large fluctuations in equity funds ’net worth, frequent redemptions by individual investors, high purchases and low sales, individual investors’ investment experience with equity funds has been difficult to change. The original intention of Tianhong Fund to launch "target investment" is not only to provide customers with underlying equity fund products, but also to guide individual investors to develop reasonable expectations and good habits for long-term investment, thus changing the industry's existence of "funds make money" , Investors lose money "phenomenon.

By guiding investors to set up a visible “small target”, “target investment” has attracted many ordinary investors to participate. According to the data released by Tianhong Fund, there are currently 1 million customers on the Ant Wealth platform participating in the "target investment" plan, and the number of people who have reached the investment target has reached 290,000, with an average rate of return of 7.2%. The average time was only 52 days.

The launch of "target investment" has played an important role in helping ordinary investors understand equity investment funds, establish rational investment goals, and cultivate long-term investment habits. According to the relevant person in charge of Tianhong Fund, the clients of "Target Investment" are ordinary investors, and the average investment amount is only 1013 yuan. Among them, 61.7% of investors chose to become "returning customers" after reaching the first goal, and will continue to launch the second "target investment" plan.

"From the perspective of the expected return target set by the customer, the reinvested client will set a higher investment target. The 'target investment' does indeed stimulate the enthusiasm of the client's investment in equity funds." The person in charge added.

In 2013, Tianhong Fund cooperated with Alipay to launch Tianhong Yu'ebao Fund. At present, Tianhong Yu'ebao has more than 600 million customers and has become a “national small wallet” for the Chinese. How to better help 600 million Yu'ebao customers to improve their financial management has been the direction actively explored by Tianhong Fund.

Tianhong Fund began to research the index fund business shortly after Tianhong Yu'ebao went online. In 2015, it launched more than a dozen passive index funds, and used index funds as the underlying tool, equipped with featured online investment advisory services to help customers get better. Financial experience. So far, Tianhong Fund has successfully launched a series of products and services such as target investment, income express, and income king, which are welcomed by investors.

Zhou Xiaoming, deputy general manager of Tianhong Fund, said that index funds are similar to currency funds in that they have strong tool attributes, are simple and clear, and are easy to recognize. They are very suitable for the Internet platform, and with the real estate investment, asset management products have just gradually changed With the break, the shift in the wealth distribution of Chinese residents, and the rise in the proportion of equity products in household wealth, domestic index funds have broad prospects for development. Tianhong Fund will build a one-stop index fund service system. Based on the diversified layout of index fund products, it will innovate more based on the needs of customers' bottom layers, and provide customers with more innovative services like “target investment”.

Source: China Fund News

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