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美銀:美國富裕年輕人已對美股失去信心,青睞另類投資
uSMART盈立智投 10-12 16:52

美國銀行的一項調查發現,富有的年輕美國人對股市作爲創造財富的主要工具失去了信心,他們越來越多地轉向另類投資,爲自己的未來融資。這份週二公佈的研究報告顯示,21歲至42歲、資產至少爲300萬美元的個人投資組合中,股票只佔四分之一,而年齡更大的人的持有這一比例則超過了一半。

鑑於年輕人的投資窗口較長,財富管理公司傳統上建議他們更多地投資股市。這在歷史上是有效的,從1957年創立到2021年底,基準的$標普500指數(.SPX.US)$的年化平均回報率接近12%。但自今年年初以來,由於市場動盪和通貨膨脹加劇,該指數累計下跌了24%。

美國銀行私人銀行首席運營官Jeff Busconi在接受採訪時表示,對股市缺乏信心表明,年輕一代越來越認爲“傳統的股票和債券投資組合隨着時間的推移無法帶來高於平均水平的回報。過去10年,我們的股市表現非常強勁,現在正經歷動盪時期。這是人們最關心的問題”。

相反,年輕人和富人看到了加密貨幣、房地產和私募股權等資產的更多潛力。美國銀行的這項研究調查了1,052名可投資資產超過300萬美元的人,發現年輕人將投資組合的15%配置在數字貨幣上,而年齡較大的受訪者僅爲2%。

Busconi稱:“這是我們正在關注的事情,但在我們的客戶基礎中,加密貨幣的曝敞口仍然相對較低。”

Cerulli Associates市場研究顯示,從現在到2045年,嬰兒潮一代將把約84萬億美元的財富轉移給X世代和千禧一代。預計這筆錢的大部分將流向繼承人,約15%將捐贈給慈善事業。

較年輕的羣體通過捐贈建議基金(DAF)等結構化工具捐贈的可能性是其他羣體的兩倍。DAF是一種慈善投資賬戶,提供預先的稅收減免,但不確定資金必須在何時分配。資產在1,000萬美元以上的人比資產在300萬至500萬美元之間的人更有可能使用DAF。Busconi指出,捐贈資金可能是“構建慈善戰略的一種非常有效的方式”。

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