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保险公司正在涉足数字化财富管理领域

保险世界和财富管理世界之间的墙壁正在逐渐倒塌

英国《金融时报》最近对1000名中国城市消费者的调查显示,在未来的六个月内,余额宝(阿里巴巴成立的总金额为2410亿美元的货币市场基金)以及平安保险旗下陆金所(Lufax)平台上出售的投资产品,将出现大幅提升。

与此同时,ETF市场最大并且极为低调的趋势之一就是大型保险公司的入场,这些保险公司已经推出了2017年度规模最大且最受欢迎的新型ETF产品。彭博数据显示,保险公司的本土资金目前超过了253亿美元,而五年前这一数据仅为19亿美元。

而ETF.com的数据显示,截至10月26日,有6家保险公司--John Hancock, Transamerica, Nationwide, Hartford Funds, Principal,以及USAA--已经发行了自己的ETF产品。

CB Insights研究显示,保险公司也积极在数字化财富管理领域进行投资和收购,范围涉及机器人顾问、服务401k计划的创业公司和社交交易投资网络等。

在并购方面,Northwestern Mutual投资过LearnVest,并于2015年以2.50亿美元的金额收购了该公司,而New York Life则通过收购FTV Capital支持的ETF发行商IndexIQ(IndexIQ发行了23个ETF产品)进入了ETF行业。

近期的2017年10月份,Aviva投资了机器人投顾创业公司Wealthify,并成为其主要股东,这一投资行动成为"建立客户忠诚度战略的一部分"。

保险公司投资于数字化财富管理领域的少数股权投资案例有:

Nationwide Ventures和Allianz Life Ventures支持投资的在线401k计划管理公司Blooom(位于Kansas)

Manulife和Transamerica Ventures支持投资的数字咨询平台NextCapital(位于芝加哥)

New York Life支持投资的在线投资顾问SigFig。

保险公司在这个领域的早期投资包括Betterment(Northwestern Mutual投资)和Personal Capital(USAA投资)。

The walls between the worlds of insurance and wealth management are coming down.

According to a recent FT survey of 1,000 urban Chinese consumers, Yu’E Bao (the $241B money market fund established by Alibaba) and investment products sold on platforms such as Ping An Insurance-affiliated online financial marketplace Lufax are likely to see the biggest inflows in the coming six months.

Meanwhile, one of the biggest under-the-radar trends in the ETF market is the entrance of major insurers, who have launched some of the largest and most popular new ETFs of 2017. Per Bloomberg data, insurers’ home-grown funds now oversee more than $25.3B, up from just $1.9B five years ago.

As of October 26, 6 insurers — John Hancock, Transamerica, Nationwide, Hartford Funds, Principal, and USAA — had issued their own ETFs, according to ETF.com.

CB Insights data reveals that insurers have also been actively making investments and acquisitions in the digital wealth management space, ranging from robo-advisors, to 401k plan service startups, to social trading investment networks.

On the M&A side, Northwestern Mutual invested in LearnVest before acquiring the company for $250M in 2015, while New York Life made its entry into the ETF industry by acquiring FTV Capital-backed ETF issuer IndexIQ, maker of 23 ETFs.

Most recently, Aviva took a majority stake in robo-investment startup Wealthify as “part of its strategy to build customer loyalty” in October 2017.

Digital wealth minority investments by insurers include Kansas-based online 401k management startup Blooom, backed by Nationwide Ventures and Allianz Life Ventures, Chicago-based digital advice platform NextCapital backed by Manulife and Transamerica Ventures, and online investment advisor SigFig backed by New York Life.

Earlier investments by insurers in the space include Betterment (Northwestern Mutual) and Personal Capital (USAA). The visualization below highlights the range of private digital wealth investments by insurers over time.


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