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☆ Introduction
Intelligent asset allocation services are financial asset management services provided to personal customers by ICBC. Such services encompass two parts: intelligent asset diagnosis services and intelligent asset planning services. Intelligent asset diagnosis services are committed to helping customers manage existing assets and achieve wealth appreciation, while intelligent asset planning services are dedicated to assisting customers to achieve future wealth goals in specific scenarios such as retirement, children’s education, and large expenses. The two categories of services provide customers with asset allocation schemes from the perspectives of short-term wealth management and medium- to long-term wealth planning to meet the diverse wealth management needs of customers.
☆ Details
1.Intelligent asset diagnosis services
Intelligent asset diagnosis services focus on the existing wealth management needs of personal customers, categorizing various financial assets held by customers into four major types: flexible assets (such as demand deposits and cash management WM products), stable return (such as time deposits and bond funds), aggressive investments (such as hybrid funds and equity funds), and insurance protection (such as medical insurance and critical illness insurance). Through a comprehensive analysis of customer risk tolerance, market conditions, and macroeconomic data at home and abroad, customized asset allocation solutions and product recommendations are provided to help customers achieve asset appreciation while maintaining effective control over investment risk.
2.Intelligent asset planning services
Intelligent asset planning services focus on customers’ medium- to long-term wealth planning needs, customizing asset planning solutions for specific scenarios such as personal retirement, children’s education, and large expenses (for purchasing a home or a car) based on the development stage and goals of the customers and their family. Customers can choose one or multiple scenarios based on their needs and provide relevant information for planning arrangements. After conducting a comprehensive analysis of factors such as customers’ investment goals and horizon, risk tolerance, and expected returns, intelligent asset planning services will utilize a rational cash flow forecasting model to generate investment plans and provide personalized asset allocation and product combinations tailored to customers from the perspectives of stable return assets, aggressive investment assets, and insurance protection assets.
☆ Characteristics
1.Reliable allocation recommendations. Through in-depth analysis of financial market data and economic indicators at home and abroad, asset allocation recommendations matched to customers’ risk tolerance are generated using AI models, based on asset allocation theory.
2.The best is selected from superior products. Top-notch products are chosen from a wide range to help customers achieve diversified investments.
3.Customized solutions. A full-cycle service from primary asset allocation to specific product purchases is provided, tailoring exclusive asset allocation solutions.
4.Rebalancing services. Regular recommendations on primary-category assets and specific product rebalancing are provided based on changes in customer needs, product portfolio market values, and market dynamics.
5.Full investment company. With close attention to market changes and regular reports on asset allocation, value investment insights and allocation recommendations are offered according to previous market trends and future prospects.
☆ Channels
You can log in to the ICBC App, search for “Asset Diagnosis” on the homepage, or access intelligent asset diagnosis services through the “Asset Diagnosis” section under the Business Hall on the WeChat official account “ICBC Customer Service”. You can also contact your exclusive relationship manager to experience intelligent asset allocation services.
☆ Disclaimer
The information in this page is for reference only. The specific business handling standards shall be subject to the rules of the local branch of ICBC.
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