Taiwanese wealthy individuals may have financial habits that differ from common perceptions. According to foreign bank observations, the top three investment choices for high-net-worth individuals are currency exchange, U.S. stocks, and mutual funds. While some middle-aged and older wealthy individuals tend to be more aggressive in their investments, the majority still prefer long-term, stable financial strategies.
Most wealthy individuals still prefer financial management methods that offer long-term stable returns. (Image / Sourced from Pixabay)
DBS Bank notes that Taiwan's high-asset clients prioritize stable asset growth when managing their wealth. They often use the DBS digibank app for real-time currency exchange, foreign stock trading (especially U.S. stocks), and mutual fund investments. These clients typically adjust their portfolios based on market analyses and insights from the DBS Group's Chief Investment Office (CIO), ensuring diversified investments that adapt to market changes.
HSBC emphasizes that risk diversification is the core strategy of asset allocation. With the U.S. dollar interest rate hike cycle nearing its end, high-net-worth clients are increasingly interested in medium to long-term global investment-grade bonds while actively participating in the foreign exchange market. They utilize tools like spot forex trading, forex derivatives, and forward options to manage their forex positions. Additionally, as tech stocks rise, many wealthy individuals are directing funds toward tech-related stocks and fixed-income offshore structured products.
Standard Chartered Bank further highlights that high-net-worth clients base their asset allocation decisions on insights from the CIO. While some middle-aged affluent clients pursue more aggressive financial goals through riskier investments, those with assets worth billions tend to favor conservative, stable investments, focusing primarily on fixed-interest income.
These wealth management strategies reflect how Taiwan's high-asset individuals navigate a volatile market, flexibly responding to risks while seeking stable asset growth.
