The Study Of Asset Allocation For High Net Worth Individuals Of Commercial Banks

With the growth of our economy and the improvement of the per capita income of the residents,the accumulation of private wealth is growing rapidly.Financial market turmoil intensified,the uncertainty of financial assets increased,and the high net worth individuals of commercial banks are facing passive asset allocation.Diversification of asset allocation will help high net worth individuals to achieve wealth preservation and appreciation.The goal of asset allocation is not to pursue the profit maximization of single market or single asset class in the bull market but to avoid the huge wealth losses at any point in time,reduce customer asset retracement,so as to achieve the income maximization in a complete economic fluctuation.In this paper,asset allocation as the starting point,based on the full study of previous research,the Commercial Bank of the high-end customer base of the asset allocation for the study,focusing on the following:(a)the investment clock theory and practice of allocation at home and abroad;(b)the commercial bank Chinese high-end individual customers are mainly from the analysis of characteristics,risk preference,demand analysis,configuration idea and behavior aspects;(c)revenue and risk of che product which high net worth individuals of commercial banks buy;(d)illustrates the high net worth individuals of commercial banks'asset allocation processes and procedures with H bank's UPPER working method.