<p>银行软件提供商 Avaloq 对富裕到超高净值的私人客户以及行业专业人士进行了财富管理趋势的调查。该研究还为瑞士市场提供了一些有趣的见解。</p>
<p><strong>瑞士投资者调整策略</strong></p>
<p>根据财富洞察报告，约 30% 的瑞士投资者在去年调整了他们的投资策略，而前一年这一比例为 22%。其中，39% 采取了更激进的策略，约 37% 投资了额外的资本。</p>
<p><strong>投资组合中更多 ESG 和加密货币</strong></p>
<p>投资 ESG 产品的客户比例上升至 40%，而 2024 年为 24%。同样，持有加密资产的投资者比例也上升至 37%，之前为 27%。</p>
<p>投资者对财富管理者的信任主要基于专业知识、透明度和沟通。专业的风险管理和对询问的快速、清晰的回应被认为尤为重要。</p>
<p><strong>信任强，忠诚度弱</strong></p>
<p>尽管对建议的信任依然强烈，但 Avaloq 指出，瑞士财富管理客户的忠诚度正在减弱。越来越多的富裕客户正在重新考虑他们的银行关系，审视费用和服务质量。</p>
<p>客户的忠诚度不应被视为理所当然。五分之四的客户（79%）认为他们的顾问关心他们的个人利益。然而，信任并不自动转化为忠诚：瑞士客户的忠诚度低于全球平均水平。只有 22% 的人表示从未更换过顾问，而全球这一比例为 31%。</p>
<p>事实上，约 11% 的瑞士投资者在过去五年中更换了银行或财富管理者，另有 17% 正在考虑这样做。</p>
<p><strong>成本并非唯一驱动因素</strong></p>
<p>高费用和收费（39%）被认为是更换的主要原因，其次是缺乏透明度（38%）和投资组合表现不佳（32%）。70% 的瑞士客户表示，金融行业日益激烈的竞争使他们更加关注咨询费用的支出。</p>
<p>与此同时，对咨询服务的期望总体上在上升，包括使用技术工具，如投资组合可视化和通过电子银行应用直接提供的个性化投资建议。</p>
<p><strong>客户对人工智能的接受度提高</strong></p>
<p>人工智能是另一个日益重要的因素。52% 的客户欢迎基于人工智能的投资建议，46% 的人愿意接受基于人工智能的投资组合分析。</p>
<p>在专业人士中，86% 的人预计人工智能将使行业受益。然而，31% 的人认为客户不会信任基于人工智能的投资决策，而 43% 则持相反观点。报告指出：“这表明专业人士低估了客户对人工智能的开放性，同时也反映出行业内部存在一定程度的犹豫。”</p>
<p><strong>对个性化的需求</strong></p>
<p>“客户继续重视个人建议，但他们越来越期望个性化、透明度和数字互动作为整体服务的一部分，” Avaloq 瑞士和列支敦士登的董事总经理 <strong>Georges Roten</strong> 表示。“我们的研究表明，如果财富管理者能够满足这些期望，将显著增强客户关系。” 满足这些期望需要合适的技术工具与咨询专业知识的结合。</p>
<p>该研究于 2025 年 2 月和 3 月进行，基于对 3800 多名富裕到超高净值私人客户（包括 400 名瑞士客户）和 450 名财富管理专业人士在全球 15 个市场的调查。</p>

科凯国际

<p>最近的一项 Avaloq 调查显示，尽管瑞士富裕客户对金融建议的信任依然强劲，但忠诚度正在下降。主要发现包括客户调整投资策略的比例上升，去年有 30% 的客户进行了调整。对 ESG 和加密投资的兴趣也显著增加。高费用和服务质量促使客户重新考虑他们的银行关系，过去五年中有 11% 的客户更换了服务提供商。此外，客户对基于人工智能的投资建议的接受度也在增加，突显了对个性化和透明服务的需求</p>

<p>Banking software provider Avaloq surveyed affluent to ultra-high-net-worth private clients as well as industry professionals on wealth management trends. The study also provides a number of interesting insights for the Swiss market.</p>
<div class="lb-trans"><p>银行软件提供商 Avaloq 对富裕到超高净值的私人客户以及行业专业人士进行了财富管理趋势的调查。该研究还为瑞士市场提供了一些有趣的见解。</p>
</div><p><strong>Swiss Investors Adjusting Strategies</strong></p>
<div class="lb-trans"><p><strong>瑞士投资者调整策略</strong></p>
</div><p>According to the Wealth Insights Report, around 30 percent of Swiss investors adjusted their investment strategies last year, compared with 22 percent the previous year. Of those, 39 percent pursued a more aggressive strategy, and about 37 percent invested additional capital.</p>
<div class="lb-trans"><p>根据财富洞察报告，约 30% 的瑞士投资者在去年调整了他们的投资策略，而前一年这一比例为 22%。其中，39% 采取了更激进的策略，约 37% 投资了额外的资本。</p>
</div><p><strong>More ESG and Crypto in Portfolios</strong></p>
<div class="lb-trans"><p><strong>投资组合中更多 ESG 和加密货币</strong></p>
</div><p>The share of clients investing in ESG products rose to 40 percent, compared with 24 percent in 2024. Likewise, the proportion of investors holding crypto assets climbed to 37 percent, up from 27 percent previously.</p>
<div class="lb-trans"><p>投资 ESG 产品的客户比例上升至 40%，而 2024 年为 24%。同样，持有加密资产的投资者比例也上升至 37%，之前为 27%。</p>
</div><p>Investor trust in their wealth managers is primarily based on expertise, transparency, and communication. Professional risk management and fast, clear responses to inquiries are considered especially important.</p>
<div class="lb-trans"><p>投资者对财富管理者的信任主要基于专业知识、透明度和沟通。专业的风险管理和对询问的快速、清晰的回应被认为尤为重要。</p>
</div><p><strong>Trust Strong, Loyalty Weaker</strong></p>
<div class="lb-trans"><p><strong>信任强，忠诚度弱</strong></p>
</div><p>While trust in advice remains strong, loyalty among Swiss wealth management clients is fading, Avaloq notes. More and more wealthy clients are reconsidering their banking relationships, scrutinizing both fees and service quality.</p>
<div class="lb-trans"><p>尽管对建议的信任依然强烈，但 Avaloq 指出，瑞士财富管理客户的忠诚度正在减弱。越来越多的富裕客户正在重新考虑他们的银行关系，审视费用和服务质量。</p>
</div><p>Client loyalty should not be taken for granted. Four out of five clients (79 percent) believe that their advisor has their personal interests at heart. At the same time, however, trust does not automatically translate into loyalty: Swiss clients are less faithful than the global average. Only 22 percent report never having switched advisors, compared with 31 percent worldwide.</p>
<div class="lb-trans"><p>客户的忠诚度不应被视为理所当然。五分之四的客户（79%）认为他们的顾问关心他们的个人利益。然而，信任并不自动转化为忠诚：瑞士客户的忠诚度低于全球平均水平。只有 22% 的人表示从未更换过顾问，而全球这一比例为 31%。</p>
</div><p>In fact, around 11 percent of Swiss investors have switched banks or wealth managers in the past five years, while another 17 percent are considering doing so.</p>
<div class="lb-trans"><p>事实上，约 11% 的瑞士投资者在过去五年中更换了银行或财富管理者，另有 17% 正在考虑这样做。</p>
</div><p><strong>Costs Are Not the Only Driver</strong></p>
<div class="lb-trans"><p><strong>成本并非唯一驱动因素</strong></p>
</div><p>High fees and charges (39 percent) were cited as the main reason for switching, followed by a lack of transparency (38 percent) and weak portfolio performance (32 percent). Seventy percent of Swiss clients said that the growing competition in the financial sector has made them more conscious of how much they are paying in advisory fees.</p>
<div class="lb-trans"><p>高费用和收费（39%）被认为是更换的主要原因，其次是缺乏透明度（38%）和投资组合表现不佳（32%）。70% 的瑞士客户表示，金融行业日益激烈的竞争使他们更加关注咨询费用的支出。</p>
</div><p>At the same time, expectations for advisory services are rising overall, including the use of technological tools such as portfolio visualization and personalized investment recommendations delivered directly via e-banking apps.</p>
<div class="lb-trans"><p>与此同时，对咨询服务的期望总体上在上升，包括使用技术工具，如投资组合可视化和通过电子银行应用直接提供的个性化投资建议。</p>
</div><p><strong>Clients Warming to AI</strong></p>
<div class="lb-trans"><p><strong>客户对人工智能的接受度提高</strong></p>
</div><p>Artificial intelligence is another increasingly important factor. Fifty-two percent of clients would welcome AI-driven investment advice, and 46 percent would be open to AI-based portfolio analysis.</p>
<div class="lb-trans"><p>人工智能是另一个日益重要的因素。52% 的客户欢迎基于人工智能的投资建议，46% 的人愿意接受基于人工智能的投资组合分析。</p>
</div><p>Among professionals, 86 percent expect AI to benefit the industry. However, 31 percent believe that clients would not trust AI-based investment decisions, while 43 percent take exactly the opposite view. «This suggests that professionals are underestimating clients’ openness toward AI – while also pointing to a certain degree of hesitation within the industry itself,» the report states.</p>
<div class="lb-trans"><p>在专业人士中，86% 的人预计人工智能将使行业受益。然而，31% 的人认为客户不会信任基于人工智能的投资决策，而 43% 则持相反观点。报告指出：“这表明专业人士低估了客户对人工智能的开放性，同时也反映出行业内部存在一定程度的犹豫。”</p>
</div><p><strong>Demand for Personalization</strong></p>
<div class="lb-trans"><p><strong>对个性化的需求</strong></p>
</div><p>«Clients continue to value personal advice, but they increasingly expect personalization, transparency, and digital interaction as part of the overall package,» said <strong>Georges Roten</strong>, Avaloq’s Managing Director for Switzerland and Liechtenstein. «Our study shows that wealth managers can significantly strengthen client relationships if they respond to these expectations.» Meeting them requires the right technological tools combined with advisory expertise.</p>
<div class="lb-trans"><p>“客户继续重视个人建议，但他们越来越期望个性化、透明度和数字互动作为整体服务的一部分，” Avaloq 瑞士和列支敦士登的董事总经理 <strong>Georges Roten</strong> 表示。“我们的研究表明，如果财富管理者能够满足这些期望，将显著增强客户关系。” 满足这些期望需要合适的技术工具与咨询专业知识的结合。</p>
</div><p>The study, conducted in February and March 2025, is based on a survey of more than 3'800 affluent to ultra-high-net-worth private clients (including 400 in Switzerland) and 450 wealth management professionals across 15 markets worldwide.</p>
<div class="lb-trans"><p>该研究于 2025 年 2 月和 3 月进行，基于对 3800 多名富裕到超高净值私人客户（包括 400 名瑞士客户）和 450 名财富管理专业人士在全球 15 个市场的调查。</p>
</div>

财富管理：这些趋势正在瑞士逐渐形成