史上最普惠基金:人均投入仅6000元 超8成人来自非一线城市

10月8日晚,5只蚂蚁战配基金全部提前售罄,再掀市场关注。基金累计超千万人认购,相当于每秒钟有8个人购买,按照600亿的总规模,人均投入仅6000元。来自蚂蚁的最新数据显示,认购用户中超8成来自于非一线城市。首次在平台购买权益类基金的人数占到4成,其中又有7成人平均投入不到500元,堪称史上最普惠的新发基金。

一位业内人士表示,新客户可以从小额资金开始逐步尝试投资权益类基金,逐步培养用户理财习惯,不易受到市场情绪干扰,这正是互联网平台的特点和优势。

事实上,2013年余额宝开启大众理财启蒙,服务的也主要是小额投资者。同年,公募基金代销牌照向第三方独立代销机构开放,人们理财需求不断增长。银行一直是基金的主要代销渠道,支付宝在线平台错位服务“小微”群体,为行业打开了新的空间。

分析认为,互联网平台的“轻模式”与线下代销模式不同,科技的发展大幅降低门槛,不受时间和空间限制,投资者操作相对更便捷,因此更多吸引了小额、高频的群体。

此次关于银行和蚂蚁代销渠道的竞争引发不少争议。蚂蚁集团财富事业群总经理王B多次表示,如果存在竞争,那也是大家共同帮助更多投资者正确认识基金、认识风险和收益平衡,以及长期投资的竞争。她表示,在基金代销业务上,两者服务客群和服务方式并不相同,更多是错位互补的关系。

据瑞信研究院数据,2019年居民不含房产的财富规模达到206万亿,而零售之王招行和最大金融科技平台蚂蚁,两者的资管规模相加也只有约12万亿,只占居民财富规模的6%。而在整个居民金融资产分布中,存款和银行理财、信托规模超过一半,真正符合资管新规导向的净值型产品占比还不到20%。

贝塔金融研究院院长徐阳认为,银行和互联网渠道应合作做大蛋糕,而非“硬刚”。“资管新规之下,如何服务和引导好投资者,已成为当下更为迫切的问题。”

(责任编辑:李显杰 )
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