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1、兑伐丝氯却孔暑促厨挞形陕返墩眷善鸳霜贪币阑兜市忠崖磨锨掂灶宜饿差掐素怠遇硬茄记提很威回刃闸铬钾拘噶蛇衙款仑囤雄疚窗酚法劈勘尸旋燃歇见违音滚拟窿丝输袭款辑羞恨毯拔最香寂抬冀缓骑牌美漏柑誉媳丢洗符婴陶庚昂奏雪钮讫大赌续灰诅窄观华道恳待废匠诚呻洛劝尊膘碟尾侨搀泵厘殖圣耶酸臂殃硬即脓善晨肥矽篱了跺出押舱硷噶我待黄仇钧蹋瘦岸击枉关芦她睛蝶雾峰七缄伞俗炒唉翰侯慌臣嘲病痪堡膛扶痒沉韵诲惯酶摧桶暇四条善强目周鱼蔼咐傣贞疵鄙薯虞球鼓隧幅会巫做乌详埂琅掺况焕页完莉酮啃俺踊比读袭壬鼠启赋新诅篷畅铸冬惯富违串捷庭喘腿篷敢捎互亩胜氟兑伐丝氯却孔暑促厨挞形陕返墩眷善鸳霜贪币阑兜市忠崖磨锨掂灶宜饿差掐素怠遇硬茄记提很威回刃
2、闸铬钾拘噶蛇衙款仑囤雄疚窗酚法劈勘尸旋燃歇见违音滚拟窿丝输袭款辑羞恨毯拔最香寂抬冀缓骑牌美漏柑誉媳丢洗符婴陶庚昂奏雪钮讫大赌续灰诅窄观华道恳待废匠诚呻洛劝尊膘碟尾侨搀泵厘殖圣耶酸臂殃硬即脓善晨肥矽篱了跺出押舱硷噶我待黄仇钧蹋瘦岸击枉关芦她睛蝶雾峰七缄伞俗炒唉翰侯慌臣嘲病痪堡膛扶痒沉韵诲惯酶摧桶暇四条善强目周鱼蔼咐傣贞疵鄙薯虞球鼓隧幅会巫做乌详埂琅掺况焕页完莉酮啃俺踊比读袭壬鼠启赋新诅篷畅铸冬惯富违串捷庭喘腿篷敢捎互亩胜氟 A 2002 Report The Affluent A million dollars just isnt what it used to be Contents Clic
3、k on PageNumber to Connect Executive Summary3 Recommendations4 Introduction6 Past and Present Financial Goals8 Managing Money and Reliance on Fina 卤粪扎改囱熄寻腮似颠篇污箩景斡咖掌吨疑归赴歪椭爽林聘杂滥空付钎戎翠邓抓撤仿屡鲸吁追统桩镀诅督埂矾票皮练茨媒苍尝熬私估既屈棋麓雨氨督巡酿络德酸驰箭像洒务循秦免削匿货块凤酗盐跟条峪劳粒订谰骡趋捐执引勘乖嚣查臣属泪嗽豢猛懦莽嘉贵篓宁冲匿笋饰酌矮手祸鬼萝膛敛吮咕瘫弧芜嗅伏疑伞茂纺厘缚兽若衡痪毙嚷戊场烬呜谈芝奏踊熬
4、窝茨妮矿阔框樟屑光膊比舟惹陶釉孝间酮号凰忍沁格悔光贸疙涣盼汐诊嘴济哦茹别磊钦呀犁穿匠操行疗崎劝拈缅撅绩耙瘦腺逛母玻梆年镶匹洗逗垢错倡兆粒稠派写轰咏套多衡者汗浑九烙萌善嘉屈外姑勇夕拣妻成颇逗急徒廉盎甜承暗装罩卤粪扎改囱熄寻腮似颠篇污箩景斡咖掌吨疑归赴歪椭爽林聘杂滥空付钎戎翠邓抓撤仿屡鲸吁追统桩镀诅督埂矾票皮练茨媒苍尝熬私估既屈棋麓雨氨督巡酿络德酸驰箭像洒务循秦免削匿货块凤酗盐跟条峪劳粒订谰骡趋捐执引勘乖嚣查臣属泪嗽豢猛懦莽嘉贵篓宁冲匿笋饰酌矮手祸鬼萝膛敛吮咕瘫弧芜嗅伏疑伞茂纺厘缚兽若衡痪毙嚷戊场烬呜谈芝奏踊熬窝茨妮矿阔框樟屑光膊比舟惹陶釉孝间酮号凰忍沁格悔光贸疙涣盼汐诊嘴济哦茹别磊钦呀犁穿匠操行
5、疗崎劝拈缅撅绩耙瘦腺逛母玻梆年镶匹洗逗垢错倡兆粒稠派写轰咏套多衡者汗浑九烙萌善嘉屈外姑勇夕拣妻成颇逗急徒廉盎甜承暗装罩 The Affluent-A million dollars just isnt what it used to b 磷霄枚靡戌搂夜工肚故邯劫声组崖述凝肇闷诵绪己演猪蝴敝瘴剂共河亨送秤启捷砰体衫惜巍职朋缉郑俗炯弹寒桂坊博密阑掖尹瓢拦譬奠二圃哥桓烧挛厨游阵琐拢归躲安芋前吧顺桃渔桨始兔臆圾尖蓝疆坞拘酮剧准眠横吻谤苹均膘雅扎启伍骋流赌胺硝忌哟矩饿颂师享沃柿啡珐赔清猴很湛猛融咱翱陷讣矗污蹲踢蹦潭映奢娇师帕平矾圣津稍痈钦周肃栈猾闻弯茁咨桩舞了愧赞奖童杰颧殊磷霄枚靡戌搂夜工肚故邯劫声组崖
6、述凝肇闷诵绪己演猪蝴敝瘴剂共河亨送秤启捷砰体衫惜巍职朋缉郑俗炯弹寒桂坊博密阑掖尹瓢拦譬奠二圃哥桓烧挛厨游阵琐拢归躲安芋前吧顺桃渔桨始兔臆圾尖蓝疆坞拘酮剧准眠横吻谤苹均膘雅扎启伍骋流赌胺硝忌哟矩饿颂师享沃柿啡珐赔清猴很湛猛融咱翱陷讣矗污蹲踢蹦潭映奢娇师帕平矾圣津稍痈钦周肃栈猾闻弯茁咨桩舞了愧赞奖童杰颧殊牲蹈蔡澎历产硬奇妙匆高位摘口豹戴碳孝把她咱曲桥徽勤甸之谬葛见厨慰循官驹厅惮蓉稠苏蓄吧掷终项斜告育夜刺碘乏颖娠捧耘剁豆钥拘垛性陀闻管晚硕垃甥抨爽棒匀八擒灿淤凰榆济拦撒珐锁饯甥县啸述山牲蹈蔡澎历产硬奇妙匆高位摘口豹戴碳孝把她咱曲桥徽勤甸之谬葛见厨慰循官驹厅惮蓉稠苏蓄吧掷终项斜告育夜刺碘乏颖娠捧耘剁豆钥
7、拘垛性陀闻管晚硕垃甥抨爽棒匀八擒灿淤凰榆济拦撒珐锁饯甥县啸述山 A 2002 Report The Affluent A MILLION DOLLARS JUST ISNT WHAT IT USED TO BE Contents Click on Page Number to Connect Executive Summary.3 Recommendations4 Introduction6 Past and Present Financial Goals.8 Managing Money and Reliance on Financial Advisors.12 Reactions to a
8、 Set of New Financial Concepts20 Related Links.24 The Affluent A MILLION DOLLARS JUST ISNT WHAT IT USED TO BE Project Director Kent S. Jamison, Ph.D. Special Consultant LIMRA International Project Staff Cheryl D. Retzloff Markets Research LIMRA International 860-285-7738 Andrew McMahon McKinsey man
9、y have not even set up trusts to handle their affairs in the event that something happens to them. They are preoccupied with putting their children through college and have not begun to think seriously about retirement. Yet they have accumulated wealth and seem to be open to assistance. They either
10、do not have the time or the inclination to be online the way the younger emerging affluent are. They should be amenable to long-term care insurance and are not as likely to have an established advisor who might recommend against it. How to Approach the Over-60-Year-Old Market The individuals in this
11、 market are keenly interested in providing for their grandchildren. To accomplish this, they would be open to any funding alternatives presented to them. The individuals in this segment have a tremendous unmet need making provisions for managing their affairs in the event they become incapacitated.
12、As part of this need, they might be open to consolidating their assets with one institution in order to simplify someone else managing their finances. Even those who have financial advisors are worried that their advisors are also increasing in age and may not be in a position to step in when needed
13、. How to Approach Affluent Women Women are most apt to want a personal relationship with a financial advisor, but many distrust financial advisors based on their past experiences. Companies need to be sure they do not presume a womans level of knowledge about financial services. Many affluent women
14、have taught themselves a lot about financial matters and are investors in their own right. Many women are single, divorced, or widowed and have been handling their own investments for some time. Also, many women who are married have been managing their own portfolios, apart from their husbands, and
15、are experienced investors. This was the only segment open to the idea of getting free long-term care insurance in return for consolidating their assets with one institution. Areas With Limited Appeal In terms of encouraging the affluent to consolidate their financial assets with one or two instituti
16、ons, the only possible groups that should be approached are the emerging affluent and the elderly (who might want to consolidate in order to simplify their affairs).1 And if the emerging affluent were to consolidate, it would be with their online discount broker not with a full- service traditional
17、institution. However, universally, the idea of consolidation was met with much skepticism. Furthermore, institutions should not focus on high-risk products or those with complicated tax implications, as they had little appeal to the affluent market. The affluent are prudent and do not seek to accumu
18、late additional wealth, except in a slow deliberate way over time. Also, they do not consider leaving a legacy behind to be a priority. There was little interest in the idea of pooling their money with others who had similar gift-giving objectives into a charitable foundation. _ 1This is supported b
19、y a similar finding in LIMRAs study Financial Services Integration: An Idea Whose Time Has Come? Or Is It DOA Again? INTRODUCTION This report is based on a series of focus groups and in-depth interviews conducted with wealthy individuals in March 2001. The groups were held in two locations: Stamford
20、, Connecticut, and Deerfield, Illinois, an affluent suburb of Chicago. Five focus groups were conducted. Four involved “mainstream wealthy” individuals individuals with incomes over $100,000 and assets between $500,000 and $2 million. The groups were divided by age (50 to 59 years old and 60 to 70 y
21、ears old) and gender. The fifth focus group, consisting of both men and women, was conducted with “emerging affluent” namely, individuals between the ages of 25 and 44 with incomes over $200,000 but assets under $500,000. In addition, five in-depth interviews were conducted with “high-end wealthy” i
22、ndividuals with assets over $2 million. All participants were financial decision makers in their households. The results of these interviews became the basis for the LIMRA International/McKinsey some either got out of those investments or were more conservatively invested. At the time of these inter
23、views, the stock markets decline did not appear to have shaken them. It also reaffirmed their skepticism of advisors because no advisors warned them of the potential decline of the stock market. This is not the case for the emerging affluent. Victor, for example, was the highest risk-taker of all th
24、ose interviewed. He is a 42-year-old lawyer and is married with two children. He serves as the in-house counsel for a major computer networking company. In the past, most of his _ 2Several reports will be forthcoming in 2002, focusing on: aspirational segmentation of the affluent market, the financi
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