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Wealth in Germany: HNW Investors; Understanding HNW investors and wealth management strategies.

Published: Jul 13, 2016 | Pages: 39 | Publisher: Verdict Financial | Industry: Financial Services | Report Format: Electronic (PDF)

Summary
Germany is a strong industrial nation with a commercial landscape dominated by SMEs. This is reflected in the background of German HNW individuals - most are either family business owners or inheritors. The manufacturing industry dominates as the leading generator of wealth, followed by construction. Expats constitute 11.3% of the population and are largely from nearby countries such as the UK, Italy, and Austria. Discretionary mandates are preferred by German investors, closely followed by advisory mandates. Bonds make up the largest asset class among German HNW investors, followed by equities and cash and deposits.

Key Findings
-The leading reasons for German HNW investors to seek professional advice are their highly complex portfolios and a desire to avoid administrative details.

-Those seeking to self-direct at least part of their wealth are largely motivated by a lack of trust towards wealth management services and feel they are sophisticated enough to manage their investments.

-The expressed demand for advisory mandates tops that for discretionary mandates, but demand for the latter is expected to grow quickest.

-Looking forward, low interest rates will push down the share of wealth invested into cash and bonds, while allocation into alternatives and equity is expected to strengthen.

Synopsis
Verdict Financial's "Wealth in Germany: HNW Investors" analyzes the investing preferences and portfolio allocation of German HNW investors. The report is based on our proprietary Global Wealth Managers Survey.

Specifically the report:

-Profiles the average German HNW investor in terms of the source of their wealth and age as well as analyzing the expat opportunity in Germany.

-Analyzes which wealth management mandates are preferred among German HNW investors and how demand will develop going forward. 

-Examines the allocation of German HNW investors' portfolios into different asset classes and how this is expected to develop in the future. 

-Analyzes product and service demand among German HNW investors.

Reasons To Buy
-Develop and enhance your client targeting strategies using our data on HNW profiles and sources of wealth.

-Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors' drivers for seeking investment advice vs self-directing.

-Tailor your investment product portfolio to match current and future demand for different asset classes among HNW individuals.

-Develop your service proposition to match the service and product demand expressed by German HNW investors and react proactively to the forecasted change in demand.

Key Highlights
-Develop and enhance your client targeting strategies using our data on HNW profiles and sources of wealth.

-Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors' drivers for seeking investment advice vs self-directing.

-Tailor your investment product portfolio to match current and future demand for different asset classes among HNW individuals.

-Develop your service proposition to match the service and product demand expressed by German HNW investors and react proactively to the forecasted change in demand.
 Table of Contents
EXECUTIVE SUMMARY Family business owners account for the largest share of German HNW individuals Key findings Critical success factors PROFILING THE GERMAN HNW INVESTOR Family business ownership is the leading source of German HNW wealth Family business owners and entrepreneurs should be targeted with specialized services Many HNW investors have built their fortunes through manufacturing Expats in Germany account for 11.3% of the local HNW population The majority of expats have been in the country for the long term Fear of insufficient control over their finances motivates expats to keep wealth in Germany The UK is the leading feeder country for HNW expats residing in Germany GERMAN HNW INVESTMENT STYLE PREFERENCES 13.2% of HNW wealth is held via execution-only mandates Wealth managers should highlight their expertise to appeal to consumers HNW investors have an almost equal allocation into advisory and discretionary mandates Demand is strongest for advisory mandates German HNW investors will continue to prefer managed mandates Demand for discretionary mandates is expected to pick up in the future German self-directed investors distrust wealth management services UNDERSTANDING ASSET ALLOCATION TRENDS AMONG GERMAN HNW INVESTORS Low interest rates will push bond investments down Equities and alternatives will appeal to investors seeking returns The low allocation into equities reflects the risk aversion of German investors Bond investments are forecast to decrease in popularity Cash and near-cash allocation is above the regional average Property constitutes 19% of the typical HNW portfolio Alternatives constitute 8% of the typical German HNW portfolio Commodities constitute 2% of the typical German HNW portfolio HNW PRODUCT AND SERVICE DEMAND Demand for planning services is moderate Inheritance services are the most sought after Demand for advice will offer opportunities in the future Demand for investment property and tax advice lags behind the regional average Demand for tax planning is particularly muted Wealth managers should ensure their tax planning services match the increasing demand APPENDIX Abbreviations and acronyms Definitions Affluent Mass affluent HNW Liquid assets Methodology Verdict Financial's 2015 Global Wealth Managers Survey Exchange rates Bibliography Further reading About Verdict Financial Disclaimer

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