In the era of zero interest rates, there is no good place to roll your money. I am interested in investments and products that are on the rise these days and try to reduce consumption, but it is not easy to increase the assets in my account. Do the rich have special financial techniques? Meet investment experts who are in charge of wealth management and listen to financial strategies that only they know. Let’s get closer to the wealthy’s way of investing with ‘Eunji Cha’s Reach Rich’. [편집자주]
Kim Chang-su Hana Financial Investment club1 Hannam WM Center Center. (Photo=Byeon Seong-hyun, reporter at Hankyung.com byun84@hankyung.com)
“Wealthy people don’t stop investing, whether the market is good or bad. It’s important to find a company or asset that can rise above inflation even in difficult circumstances.”
Kim Chang-soo, head of Hana Financial Investment Club 1 Hannam WM Center, said this about the investment strategies of the rich. He added, “The difference between the rich and the general public is to worry about making money at any time.
Director Kim, a former Hana Bank, was the first generation of PBs who worked in 2000. He is currently working as the head of Hana Financial Investment Club 1 Hannam WM Center.
Club 1 Hannam WM Center opened in June of this year. Club 1 Hannam WM Center is the second branch of ‘Club One’, a specialized brand that Hana Financial Group provides one-stop comprehensive wealth management (WM) services for ultra-high net worth after Club 1 WM Center located in Samseong-dong. It was created by merging Hana Financial Investment Hannam-dong Branch and Hana Bank Hannam 1-dong Gold Club.
Using the research center that Hana Financial Investment has strengths, Hana Financial Investment will provide various information related to domestic and foreign stocks and exchange-traded funds (ETFs) to high-quality customers and introduce a family office service to provide family business succession solutions. It supports investment banking (IB) business such as initial public offering (IPO) and mergers and acquisitions (M&A) as well as corporate asset management for companies as well as individual customers.
Center director Kim explained that Hannam-dong is an area where the traditional rich and the new rich are mixed. He said, “In the past, there were many traditional wealthy people such as chaebol families, but recently successful venture entrepreneurs are being added as emerging wealthy people.
Regarding the recent investment trend of the wealthy, he said, many customers have moved to direct investment after the private equity crisis. Demand for domestic stocks, overseas stocks, and wrap accounts has increased.
A wrap account is an asset management product in which a securities company enters into a discretionary investment contract with its customers and manages assets by composing a portfolio that suits their investment propensity. In addition to domestic and foreign stocks, it is attracting attention in the volatility market as it can diversify investments in various types of assets such as funds, exchange-traded funds (ETFs), stock-linked securities (ELS), real estate, and overseas alternative investments.
Investor confidence in private equity funds was shattered due to the Lime and Optimus incidents, but unlike private equity funds with the stigma of ‘blind investment’, Rap has become more popular because its asset management status is transparently disclosed and customers can issue specific management instructions if they wish. got it
He said, “In the past, the proportion of investment in private equity was large, but there were problems with the products or there was a lot of volatility due to the new coronavirus infection (Corona 19), so a lot of it was transferred to direct investment.” “I tend to invest a lot in companies related to the industry,” he said.
Kim Chang-soo, head of Hannam WM Center at Hana Financial Investment Club1. (Photo=Byeon Seong-hyun, reporter at Hankyung.com byun84@hankyung.com)
Club 1 Hannam WM Center has just opened, so there is no big record yet, but customers who invested in pre-IPO before listing recorded a return of about 50 to 200%, Kim explains. . Center Director Kim cited Hana Financial Investment’s strong research ability and Hana Bank’s fund tradition as its strengths in a situation where several financial companies are providing services for high-income earners.
He said, “Thanks to Hana Bank and Hana Financial Investment’s joint efforts, I think they were treated as strong players in the market.
When the stock market situation is not good like these days, he advised to reduce volatility risk by paying attention to high-dividend stocks or REITs. “If interest rates rise, we should refrain from investing in bonds and pay attention to real assets, real estate-related REITs, and dividend stocks that can hedge against inflation,” he said. I think it is a time when it is necessary to respond to the changes in the revolutionary era as well as to big changes,” he said.
In addition, center director Kim emphasized diversification of investment. Even if it is bothersome, it is safe to spread a lot even in a high volatility situation.
He said, “Ordinary people do not have many assets, so rich people often have their assets clustered on one side according to their propensity, so they need to diversify their investments.” Diversification is necessary in the concept of having an investment opportunity,” he explained.
Reporter Eunji Cha, Hankyung.com chachacha@hankyung.com
