Strategies for High-Net-Worth Individuals: Bank Experts Offer Sound Financial Advice

In response to the turbulence in financial markets caused by Trump's tariff policies, six major banks have proposed strategies to assist high-net-worth clients in achieving profitable outcomes despite uncertainties. From asset allocation to fund operations, these clients can employ structured products or private funds in conjunction with insurance products to mitigate current market fluctuations.
Cathay United Bank emphasizes the importance of diversified and balanced asset allocation, advising the prioritization of short- to medium-term bonds in fixed income investments and regional and industrial diversification in stock selections. Given the anticipated slowdown in the U.S. economy, high-net-worth individuals are encouraged to invest in global high-yield stocks or U.S. funds featuring defensive industries. For aggressive investors, focusing on Taiwanese and Japanese equities to leverage advancements in AI technology and global supply chain reorganization is recommended.
For those holding bond, balanced, or multi-asset funds, Taipei Fubon Bank advises a cautious approach and suggests observing market trends to wait for favorable news. If volatility is a concern, shifting to money market funds may be appropriate. Investors looking to enter the market can consider dollar-cost averaging into funds focused on the Japanese and Indian markets for long-term investment opportunities.
In overseas debt investments, prioritizing industries that are low-cyclical and have low tariff risks, such as financial services, telecommunications, and utilities, can help reduce portfolio volatility. For high-net-worth individuals, it is advised to utilize short-term fixed income offshore structured products (FCN) to balance income, and to seize opportunities in undervalued quality stocks and private funds.