晨星 2023 年投资者之声研究的见解-英-17页.pdf

2023-11-10 21:50
晨星 2023 年投资者之声研究的见解-英-17页.pdf

1BirthChildhoodEducationFirstBankAccountFirstPart-timeJobFirstDebitCardFirstCreditCardStudentLoansGraduatefromHighSchoolStartCollegeGraduatefromCollegeFirstApartmentFirstVehicleStudentLoanPaymentsStartFirstProfessionalJobFirst401KCareerChangeFirstInvestmentAccountNegotiatingSalaryFirstFinancialAdvisorFirstMortgageHireTaxProfessionalProfessionalLicenseMarriageMarriageExpensesHoneymoonExpensesLifeInsurancePolicyMarketFluctuationStartaFamilyMedicalExpensesPayOffStudentLoansChildcareServicesSecondCarCharitableGivingEducationFundingInvestmentReturnsMarketFluctuationCareerChange401KRolloverChildrenStartFirstJobsMovingExpensesJobPromotionPersonalTravelExpensesChildStartsNewJobChildPaysOffLoanDownsizeHomeAfterKidsMovePayOffMortgageHealth-relatedExpensesNaturalDisasterDrawdownInsurancePolicySocialSecurityDistributionsRetirementLegacyDrawdownFuneralExpensesforSpouseLoantoChildforMovingExpensesReplaceRoofofHomeHelpAgingParentwithLivingExpensesCollegeTuitionChildrenGraduateHighSchoolChildrenGraduateCollegeDivorceLegalFeesEducationExpensesPropertyTaxesEducationExpensesCarAccidentSaleofHomeStartaBusinessRealEstateInsuranceStudentLoanDebtReceiveInheritanceGymMembershipFirstLong-termRelationship5ThingsAdvisorsNeedtoKnowabouttheEvolvingInvestorInsightsFromMorningstar’s2023VoiceoftheInvestorStudy5ThingsAdvisorsNeedtoKnowabouttheEvolvingInvestor.Toholisticallyconsiderthebestinvestmentdecisionsfortheirclients,advisorsmustaskthemselves,“DoIrecognizethefaceoftoday’sinvestor?”Morningstar’s2023VoiceoftheInvestorstudyprovidesapulseonthewide-rangingattitudes,behaviors,andpreferencesofinvestorsacrosstheUnitedStates.Itisbasedon2,003totalresponsescollectedthroughanonlinesurvey.ThesampleusedwasrepresentativeofdatafromtheU.S.CensusBureau.Respondentsqualifiedforthesurveybybeing18orolder,livingintheU.S.,andbeingnotcurrentlyemployedasafinancialadvisor.Participantswererecruitedfromanationwidepanelthatprovidesstrongrepresentationacrossgender,geography,age,typesofemployment,ethnicity,householdincome,andinvestableassets.ThissurveyintentionallycastawidenettocapturenontraditionalinvestorsandreflectthefaceofEvolvingInvestorsastheytrulyare,notaswe’vetraditionallyseenthem.Additionally,thelargeanddiversesampleallowedustoEveryinvestorevolves,andeverygenerationofinvestorevolves.gMoreinformation,moreproblems.PAGE03gFinancialadvisorspromotepeaceofmind...buttheyhaveaPRproblem.PAGE07gAddressingriskmanagementaddsimportantvalue.PAGE10gHelpinginvestorstakeactionamidmarketchangesisanotherwaytoaddvalue.PAGE12gEmergingassetclassesareanewfrontier,andinvestorsarelookingforamap.PAGE14divedeepinto,andextractinsightsfrom,manydifferentsubgroups—forexample,thosewithlowerorhigherinvestableassetlevels,differingcomfortlevelswithmakinginvestmentdecisions,andthosewithaparticularlyhighpercentageoftheirinvestableassetsincertainproducts.Asthedemandfordeeplypersonalizedfinancialadviceincreases,advisorsseektobuildtrustwithclientswhorefusetobecategorizedbygeneralities.Investorsalsorequireguidancearoundincreasinglydiversep

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