10新金融商品在个人理财应用之风险管理(中信).pptVIP

中國信託金融控股公司　Chinatrust Financial Holding Co., Ltd. 新金融商品在個人理財應用之風險管理 ? Chinatrust 中國信託金融控股公司　Chinatrust Financial Holding Co., Ltd. 理財規劃部 中國信託金融控股公司　Chinatrust Financial Holding Co., Ltd. Risk is about how to control , not to eliminate… Two basic factors of WM risk control : Risk Attitude and Risk Attribute The Purpose of Wealth Management is to building the future under a well-prepared risk control mechanism. Why risk oriented ? “Experience is a dear school”~ Benjamin Franklin Traditional way : ( product risk attribute ) Bond Cash / Deposit CB Equity Futures Conservative Moderate Growth Aggressive Modern way : Risk Attitude Bond Cash / Deposit CB Equity Futures How to decide Risk Attitude ? The methods of deciding investors’ risk attitudes : Traditional way : Modern way : Finding the Missing Piece !! Customer Specialist Customer Specialist Advisor How to decide Risk Attribute ? The problems of the traditional categories of products’ risk attributes : RR 1 RR 2 RR 3 RR 4 RR 5 Positive Return Negative Return High Risk Money Market Fund Developed Countries Bond Fund EM Bond Fund Balanced Fund Developed Countries Equity Fund Global Equity Fund Single Country Equity Fund EM Equity Fund Risk is not necessary connected with its region tag. The risk type of MF is not always the same with other financial instruments, ex. SN Risk is not always correlated with return The new methodology of deciding the risk attributes of products: Not the regional tag , but the Real Volatility of the past. Not only the MF , but the Structure Products. Not only counting single product , but the Whole Holdings of customers’ AUM.