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1
Juliá, Ramiro 1973, and Rachel 1973 Matthai. "High net-worth individuals' portfolios : private real estate assets." Thesis, Massachusetts Institute of Technology, 2002. http://hdl.handle.net/1721.1/32228.
Full textAbstract:
Thesis (S.M.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 2002.Vitae.
Includes bibliographical references (leaves 132-136).
The asset allocations of private real estate in the investment portfolios of High Net Worth Individuals (HNWIs) indicate that HNWIs' portfolio returns are not at optimum levels on a risk-adjusted basis. More specifically, utilizing Modem Portfolio Theory, existing allocations to private real estate should, arguably be increased by as much as twice its present allocation. This deficiency is due to insufficient conduits and products available at financial institutions for HNWIs. This mismatch has created a supply and demand problem of HNWI demand for and financial institutions' supply of private real estate assets. The current HNWIs allocations were examined using the "Survey of Consumer Finances" (Federal Reserve, 1998). HNWIs capable of private real estate investment were investors whose net worth was $25 million and above. The HNWI allocations and more than twenty years of historical investment returns and volatilities for financial assets and real estate, were the foundation for analyzing the variance between actual and optimum portfolio allocations of private real estate. This comparison highlighted how the entire HNWI segment could double its current real estate allocation to meet the optimal portfolio level. Along with this real estate allocation deficiency, the HNWI segment has grown substantially over the last 10 years. Since this is a growing segment and a potential source of capital for the real estate industry, this thesis specifically identifies the real estate asset allocation inefficiencies, recommends optimum real estate asset allocations, and lists the alternatives and characteristics of investment conduits and products for increased investment in private real estate by HNWIs.
by Ramiro Juliá and Rachel Matthai.
S.M.
2
Puplampu, Suzy Aku Akpene. "Product Diversification to Improve Investment Returns for High-Net-Worth-Individuals in Ghana." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/4675.
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The population of high-net-worth-individuals (HNWIs) in Ghana is projected to increase from 2,400 in 2015 to 4,900 by 2024. HNWIs in Ghana desire to have access to alternative investment instruments to enhance diversification and improve investment returns on their portfolios. Guided by the product-market-grid-model, the purpose of this qualitative multiple case study was to explore diversification strategies some fund managers use to improve returns for HNWIs. Twelve participants from 3 investment firms in the Greater Accra Region of Ghana, including CEOs and fund managers with more than 5 years of professional and industry experience, participated in semistructured interviews. Observations and company documents served as secondary sources of data collection. Five themes emerged from the analysis of interview and document data: investment objectives and risk appetite level, product availability, asset allocation, limited knowledge and lack of sophistication, and, performance benchmarking. Findings may be used by fund managers to combine knowledge and innovation in identifying alternative investment options for HNWIs and improving investment returns. HNWIs may use their disposable income from returns to engage in entrepreneurial activities that may create employment opportunities and improve the economic environment in Ghana.
3
Wei, Chun-Chien. "From bureaupreneur to HNWI changes and emergence of high net worth individuals (HNWIs) in China." Thesis, University of Edinburgh, 2013. http://hdl.handle.net/1842/8934.
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Economic growth in China is attributed by many people to the reforms initiated in 1978. Some individuals, who were previously agents of the state, party cadres, or peasants, have become High Net Worth Individuals (HNWIs) within a relatively short period in the wake of certain institutional changes. Before economic reform, China’s political elites seized administrative controls and material privileges and yet were relatively restricted in money income and private wealth; however, the market transition and privatization added additional value into those controls and privileges and created unique opportunities for those political elites. These political elites retain intact power and privilege regardless of market reforms or regime change. During the transformation, redistributive mechanisms are shaped by these elites, who discriminate in favour of themselves, their families, and like individuals; subsequently, some of those from the political elites migrate into HNWIs, and unjust wealth re-distribution is created accordingly. Development and the changing role of elites in transitional China, like all societies, is constrained and shaped by heritage (resources, pre-existing institutions, geography, culture, etc.); these constraints maybe stronger in transitional societies than in open market economies and enhance the importance for transitional society elites to maintain their footholds of power in state and regulatory institutions. Therefore, these elites exert influence to maintain their existing privileges for accumulating wealth from competition. This research adapts institutional change theory to incorporate the concept of resource dependences in order to give practical expression to an analysis of how the transition between these roles is played out during the institutional changes and to explore the relations between the leading social actors and their institutional environment. It draws on the example of the housing market to illustrate that there is a trade-off between conformity to external institutional pressure and exercising influence over external resources whilst pursuing stability and legitimacy in China’s reforms.
4
Anderson, Kevin. "A feasibility plan to develop a boutique sustainable private equity business to cater for ultra high net worth individuals." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/95653.
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Thesis (MBA)--Stellenbosch University, 2013.Sustainable Investors Capital (SiC) will capture a niche within the South African Private Equity industry in two ways. Firstly SiC is different by having a large network of selected members who help generate deal flow, offer their expertise if they choose in ex-post management, and who enjoy the benefit of relevant proprietary research and focused networking events. The second and main differentiating factor is the fact that the members as investors have the ability to invest on an opt-in basis. When joining SiC, members are offered the opportunity to commit capital to the Discretionary Fund. This is a fund managed by SiC in the typical private equity fashion where the member has limited to zero input in the investment decisions made. However, by committing capital to the Discretionary fund, members’ ipse facto get access to the opt-in investments made by SiC. The opt-in investments allow members to select on a deal-by-deal basis whether they want to invest or not. This has the benefit of increasing the flexibility and agility with which SiC can make investments, as well as granting the advantage to would be investors to optimise the returns on their capital which would be committed (and paying fees) but undrawn under normal private equity model circumstances. The amount that a member is allowed to invest in on an opt-in basis is directly proportional to the capital committed to the Discretionary Fund. This is done to enable SiC to actively and effectively pursue deals with the confidence that capital is available. It is reasonable to assume that the Discretionary Fund will be coinvesting with the opt-in funds.
5
Nsibande, Senzosenkosi. "The impact of data breaches of varying severity on the customer loyalty of high net worth individuals in retail banking." Diss., University of Pretoria, 2020. http://hdl.handle.net/2263/79631.
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The aim of this study was to investigate the impact of data breaches of varying
severity on customer loyalty. The study was motivated by the growth in the amount
of data shared and stored by organisations to enhance service offerings (Big Data),
and the increase in the frequency and scale of data breaches caused by this.
Research shows that customer loyalty is critical to the long-term profitability of an
organisation, making the understanding of data breaches on customer loyalty critical
for any organisation’s prospects. Despite this significance, literature on how breach
severity can influence behavioural changes has been limited. This study, using an
experiment, and the three dimensions of attribution theory - to assess how customers
determine causal inference and assign blame following a breach - examined how
customers changed their loyalty intentions following a data breach depending on the
size and scale of the breach. This study aims to contribute to the existing body of
work related to data breaches.
A 2X3 factorial design was used to determine the effects of the locus, the stability,
and the controllability of cause on the customer’s loyalty intentions, and to test the
moderating effects of the breach severity. The results of the study determined that
the stability and the controllability of cause were significant determinants of customer
loyalty. The role of the severity and the locus of causality were determined to have
limited bearing on customer loyalty. The implications for academia, managers and
businesses are examined.Mini Dissertation (MBA)--University of Pretoria, 2020.
pt2021
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted
6
Kousalová, Klára. "Privátní bankovnictví v České republice." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-150026.
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This thesis presents an overview of the cornerstones of the Czech private banking. Describes private banks according to various criteria, their approach to the client workload, an importance of private banker position, expectations and needs of the client in the context of marketing and Public relations, selected premium products and services and overlooks the private banking sector in the future.
7
Pruthi, Chetan, and Adarsh Tewari. "Customer Behaviour and Marketing Channels in High-end Experiential Travel Market." Thesis, Uppsala universitet, Institutionen för samhällsbyggnad och industriell teknik, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-421495.
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This report is a qualitative analysis of consumption behaviour of high net worth individuals (HNIs) and the marketing channels that are effective in the high-end travel industry. The travel industry caters to a vast audience and it becomes important to understand a specific niche to serve the customers better. For products targeted exclusively towards the HNI segment, conventional mass marketing methods may not be the best or the most efficient ways to reach out to the target market. Mass marketing may result in lower perceived exclusivity and brand image of the company, and it may result in lower efficiency in terms of marketing costs when the target market is merely a small percentage of the total population. The study utilizes articles and theories on consumption behavior as well as marketing theories aimed towards HNIs in order to understand and analyse the data gathered during interviews. The report outlines the factors that influence the customer behavior and consumption practices in the high-end travel industry and based on their behavior outlines effective marketing channels that could be used in order to reach the customers. The major factors influencing customer behavior such as family influence, their motivations to travel, influence of friends and groups as well as their expectations were analyzed based on which effective marketing channels were found such as agents or agencies, popular magazines as well as social media. This report provides a comprehensive understanding of the importance of recognizing the influential behavioral factors in the HNI community in order to develop an effective marketing strategy to help the companies reach their customers better.
8
Michael, Sheniqua J. "The use of community needs assessment data to establish a high-risk profile for negative health outcomes in the city of Fort Worth." online resource, 2008. http://digitalcommons.hsc.unt.edu/theses/6/.
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9
BOSETTO, DANIELA. "Costruire il ruolo del PRIVATE BANKER: indagini e proposte operative." Doctoral thesis, Università Cattolica del Sacro Cuore, 2012. http://hdl.handle.net/10280/1410.
Full textAbstract:
Obiettivo del presente lavoro è identificare le principali connotazioni specifiche della professione di private banker. In seguito ad una prima analisi della genesi del ruolo e dei fattori che ne hanno determinato l’evoluzione nel tempo, si sono indagati: quali mansioni e responsabilità ricopre e quali riporti gerarchici è chiamato a rispettare, quali caratteristiche comportamentali e attitudinali siano distintive del ruolo, quale il livello di competenze necessario al suo esercizio e quali i gap formativi ancora da colmare. Non da ultime, sono state rilevate le difficoltà quotidiane e le fonti di soddisfazione tipiche della professione, nonché gli strumenti motivazionali e di incentivazione utilizzati dalle realtà di private banking. L’indagine è stata condotta attraverso l’analisi congiunta di più progetti di ricerca quali-quantitativi, che hanno visto il coinvolgimento di private banker e opinion leader di settore. Emerge così una figura professionale ancora in divenire per effetto di cambiamenti strutturali del mercato, oggi guidati dal nuovo contesto normativo, dalla crisi finanziaria e dal processo di globalizzazione continua.The aim of this paper is to identify the main aspects of the private banking profession. Following a preliminary analysis of its origins and the factors that led to its evolution over recent years, this research investigates main tasks and duties of a private banker, his position in the organizational chart of the company, behavioural and attitudinal characteristics relevant to his role, required level of skills and expertise, as well as knowledge gaps still to be filled. A special focus has been put on his daily difficulties and typical sources of satisfaction, in addition to motivational tools and incentives used by private banking organizations. The survey has been conducted by means of a combined analysis of various qualitative and quantitative research projects, involving both private bankers and opinion leaders within the banking sector. The emerging scenario is an evolving professional role as a result of current structural changes in the business, constantly subjected to new regulations, recurring financial crisis and the continuous globalization process.
10
Douglas, Angela Marie. "Leading indigenous education in a remote location : reflections on teaching to be "proud and deadly"." Queensland University of Technology, 2009. http://eprints.qut.edu.au/30275/.
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This thesis is a critical reflection of the author’s time as a Principal of an Indigenous state school from 2003-2004. The purpose is to reassess the impact of her principalship in terms of the staff, students and Community change that affected learning outcomes at the school and to reanalyse to what actions and to whom positive changes could be attributed. This thesis reflects and identifies, in light of the literature, strategies which were effective in enhancing student learning outcomes. The focus of this thesis was the Doongal State School*, its students, staff and facilities. The author will attempt to draw out theoretical frameworks in terms of: (1) what changed educationally in Doongal State School, (2) what seemed to be important in the Principal’s role, (3) the processes that took place, and (4) the effect of being non- Indigenous and a female. Overall, the author undertook this critical reflection in order to understand and embrace educational practices that will (a) lessen the gap between the academic outcomes achieved by Indigenous and non-Indigenous students, and (b) enhance life choices for Indigenous children. The findings indicate that principal leadership is critical for success in Indigenous schools and is the centrepiece of the models developed to explain improvement at Doongal State School. School factors, Principal Leadership factors, Change factors and factors relating to being a non-Indigenous female principal, which, when implemented, will lead to improved educational outcomes for Indigenous students, have evolved as a result of this thesis. Principal Leadership factors were found to be the enablers for the effective implementation of the key components for success.
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"社群归属感、生活形态与忠诚度：高净值社群运营的关键影响因素研究 ——以上海嘉庭俱乐部为例." Doctoral diss., 2019. http://hdl.handle.net/2286/R.I.53537.
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abstract: 随着中国经济过去30多年的高速发展，出现了一大批的高收入人群，他们更注重生活的品质，如追求自然、简约、低调的休闲生活方式，更看重健康生活、自身的身心修养，和提高自身修养的内涵式生活，以及注重子女的内涵气质教育。
同时，具有很强烈地获得心理认同的需求，参加各种以消费和交往为媒介和主体活动的社群或“社交圈子”，在心理和情感上自我获得与其在财富、生活方式以及生活品位等诸方面都类似的群体间的身份认同感和归属感；更看着与其社会阶层相匹配的身份地位、社交人脉、兴趣爱好等。
因此，从运营的角度来看，如何增加上述这些高净值人群对高净值社群的归属感，进而提高其对高净值社群的忠诚度，是高净值社群进一步可持续经营和发展的基石。本研究以上海嘉庭俱乐部为例，在对问卷调查的基础上，通过实证研究，探讨影响高净值社群归属感与忠诚度的关键因素，高净值社群中会员的归属感与忠诚度的关系，会员生活型态的差异使得归属感与忠诚度的影响关系呈现显著的不同。
实证研究表明，“时尚流行”会员较为理性，其更注重休闲风尚；而“优雅休闲与享受尊荣”的会员则偏感性，其相当注重心灵感受与宁静舒适的感觉，强调全家共享以及纯封闭式的会员享受，能够更多地认识到与个人品味和品位相同的人，如对生活品质的追求、价值观、子女教育等；内心更开放、所接受教育程度更高的家庭，在嘉庭会感受到的归属感意识更高、其忠诚度也更高。Dissertation/Thesis
Doctoral Dissertation Business Administration 2019
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Lin, Ling-Chen, and 林玲真. "TAXATION PLANNING FOR HIGH NET WORTH INDIVIUALS." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/16423975977689181220.
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碩士國立中央大學
財務金融研究所
96
High net worth individuals usually face high taxation rate, hence tax saving plans are important when managing their assets. The professionals engaged in wealth management, such as accountants or financial advisers, usually set up shell companies to hold the assets of those high net worth individuals in order to achieve goals in tax saving. This article covers tax saving plans as well as case studies. It explores tax planning using shell companies which covers: tax regulations and asset management of high net worth individuals, analysis for investment shell company vs. real estate shell company; establishment and management of off-shore companies and off-shore accounts as well as using trust accounts in the framework for asset management. Lastly, an analysis is performed on tax planning for creating a shell investment company, a real estate company and an off-shore company. In conclusion, by implementing shell companies in order to create tax efficiency is in line with international tax trend. With the assistance from the professionals, the high net worth individuals are able to efficiently management their assets and advance their tax planning legitimately.
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Allaire, Laurence. "Promoting socially responsible investing to high net worth individuals." Master's thesis, 2019. http://hdl.handle.net/10362/66388.
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As sustainability considerations gain popularity among individual investors, financial insitutions
need to expand their Sustainable Finance strategy as to encompass, namely, Socially Responsible
Investing (SRI) solutions. At ING Luxembourg, in the Private Banking department, one specific
area for sustainability improvement concerns the investment fund offer. This Work Project is
dedicated to developing a process in order to give the ING Aria European Bonds sub-fund a SRI
focus. The transformed sub-fund must, in addition to provide a sustainable investment alternative
to investors, be designed in a competitive way relative to other products in the market and
outperform its agreed-upon benchmark
14
Su, Shiang-Wei, and 蘇祥緯. "A Study of High net worth individuals Wealth Planning Strategies." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/25sj5c.
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碩士東海大學
高階經營管理碩士在職專班
104
With the increasing scale of our wealth of high net worth individuals, as well as changes in laws and regulations of the external environment, while about personal wealth, often overlooked in the past few problems have surfaced. Wealth Management due to financial institutions often provide the information or piece goods, so that wealth management has become synonymous with another commodity sales. In this study, four interviews by high net worth individuals, sort out their needs, and high net worth population architecture strategy wealth planning, let high net worth individuals have a direction to follow to reach the goal of wealth and sustainable for future generations. Interviews four objects, or I have three children have dual nationality American identity, but also verifiable, high asset ethnic groups have very high proportion of dual nationality. Certain impact on wealth planning in 2014 to be implemented FETCA "Foreign Account Tax Compliance Act" (Foreign Account Tax Compliance Act, hereinafter referred to as "FATCA") is bound to have people of this ethnic group
15
CHEN, SHANG-YU, and 陳尚輿. "A Study of High-Net-Worth Clients’ Financial Products Purchase Intention." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/67650267439485164529.
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碩士實踐大學
企業管理研究所
94
Citibank was the first bank that introduced the concept o wealth management to Taiwan by introducing The Citigroup Private Bank in Taiwan in 1987, to service clients whose asset value exceeds US$100,000. In 1990, the Taiwanese government allowed 16 new banks to enter the financial market, which resulted in over competition. The shrinkage in spread between loans and deposits has prompted all the banks to adjust their operating strategies and resort to the wealth management markets where the main source o income is handling fees. Financial Supervisory Commission in February 2005 defined wealth management as the “services and products offered within the approved scope by the banks to high net worth individual clients through finance professional salespeople to meet the clients’ requirements in financial planning or asset allocations”. In order to compete or the top-of-the-pyramid high net worth individual clients and to cater to their finance management requirements, banks do not only have to provide a large variety of financial products but also professional services through executive sales. Therefore, the purposes of this research paper are to: 1) whether the demographic statistical variables affect life style, product attribute variables and asset management clients’ willing to purchase; 2) whether life styles and product attributes affect purchase willingness of wealth management clients; and; 3) to provide a reference to the financial industry in its efforts to make differentiated services. The finding of this research is as follows: 1. Among all the demographic statistical variables such as gender, age, education, vocation and monthly income, none of them exhibits any significant differences in the degree o purchasing willingness. This indicates that the wealth management clients do not differ due to attributes in demographic statistics. 2. In the demographic statistical variables, life style and age difference exhibit differences in bargain seeking; gender, education, vocation and monthly income exhibit significant differences in self awareness. Only gender exhibits significant difference in prices. 3. Through factor analysis on the dimensions such as life style, the financial- management-focus and family-life-focus types exhibit significant differences in terms of purchase willingness. 4. In terms of product attributes, professional consultations such as experience o financial service executives, professional knowledge, financial management consulting and asset allocation abilities, integrity and characters of service executives also exhibit significant differences in terms of purchase willingness.
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Huang, Chia-Yu, and 黃家玉. "The factors determining discretionary account decision by high net worth customers." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/x692qh.
Full textAbstract:
碩士靜宜大學
管理碩士在職專班
97
The study is done based on the Agency theory by distributing questionnaires through senior financial advisors to the domestic or offshore high capital assets investors who experienced investments through agents. The study aims to find out, after the financial tsunami, the motives and preferences of these investors in investing through agents, as well as the incentives for the agents to the investment service contracts. The findings show that on the facet of law issues, the investors of age level between 41 and 50 give the most weights to investment risks. Most of them want their own interest prior to the agents. Furthermore, on the facet of company specialized images when choosing agents, these investors prefer agents of good achievement records, with good-background shareholders, massive in business scales, and with license-certified managers.because of their limitation on time and energy tend. On the facet of data system, these investors require their agents with complete client data systems and well-established internal risk management. They practice the idea of user charges, and are willing to pay significant commissions to the effective managers. Two proposals were offered to convince the investors who value the agents’ achievement records most: first, discount on commission if the operation results fail to meet the expectation. Second, a trial period was offered before signing the contract. Results show the proposals successfully attract the investors to contract, even compared to the well-recorded agents. Finally, suggestions were made according to the findings.
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Song, Steven, and 宋金富. "A Study of the Effect of The High Net Worth Customer’s Loyalty." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/58235227977412099746.
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碩士東吳大學
企業管理學系
97
Wealth Management provided by professional bank is a trend and is a tendency towards the developed countries due to the increase of the rich populations year by year. Local financial industrial is certain about this gigantic market and all without exception to make an attempt to take a part of market share of this business. This research is in the case of the leading brand of Wealth Management business, Citibank. To discuss the salesperson’s characteristics, business image, service quality, relationship quality and customer loyalty. At the mean time, we also hope to understand the direct affection of salesperson’s characteristics and customer loyalty. From the result of this research, the relationship quality will be affected by the business image and service quality remarkably, especially be affected by service quality directly. Financial Consultant’s personalities do not have a remarkable affection of customer loyalty. From the result of this research, we also find that the relationship quality is the main factor that positive effect customer loyalty. To sum up the result of this research, we advice the financial institutions which take the wealth management as their main business are devoted to promote their business image and service quality in order to strengthen the relationship quality and tone up the customer satisfaction with their customers.
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Kuo, Yao-Fang, and 郭垚芳. "The Critical Success Factors of Purchase Insurance for High Net Worth Client Decision." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/y3xhcq.
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碩士國立臺北商業大學
企業管理系研究所
107
In recent years, the insurance industry has become more and more popular. From the past insurance only have life insurance, but now have many kind of insurance like: life insurance, medical insurance, wealth management and other types of insurance. In the past few years, the government has widely promoted and educated the public, let more and more people participate in this industry thus, the overall insurance industry is promoted; however, in recent years, there has been a special group in the insurance industry. That group aspires to be served high quality and high value. Therefore, the insurance institution refers to the insurance industry as the term "VIP" or "high-asset customer", that is, the willingness to spend high prices to enjoy the value that insurance services bring to high-asset customers. This study combines the insurance industry with high-asset customers to explore the key success factors for high-asset customers to purchase insurance. The research aimed at the policyholders who purchased more than NT$500,000 per year as a target, and conducted a fuzzy multi-criteria decision-making method to confirm the weight and ranking of the insurance products purchased by high-asset customers..
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Lee, Yu-Long, and 李玉龍. "Studies on Contributed Factors of High-net-worth Customers' Profitability for Financial Institutions." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/62713142522257192761.
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碩士國立東華大學
國際企業學系
98
The purpose of this paper is to identify the difference of attributes associated with contributions on High-net-worth customers. Using a data set of a giant bank in Taiwan , we apply a regression model to analyze factors influencing the contribution from different groups. The results showed that the dimension from a customer’s attributes (revenue,period,risk_level) and investment transaction (amount of investment) are positively related to customer profitability. The dimension from (Non-) Wealth management department (High-net-worth customers) and a customer’s attributes (gender) are negatively related to customer profitability. A customer’s attributes (age,education,marriage) are not related to customer profitability. This study may help banks or financial institutions promote profitability contribution to the maximum effectiveness of the operations about High-net-worth customers improve the performance with better marketing strategies and resource allocation.
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Yang, Hsiu-Hui, and 楊琇惠. "The Study of Critical Success Factors to Become a High Net-Worth Business Owner." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/64307380060159315759.
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碩士國立中興大學
高階經理人碩士在職專班
92
Abstract Subject: The Study of Critical Success Factors to Become a High Net-Worth Business Owner Since the start of the 21st century, Taiwan has seen an increasing number of mergers and consolidations in the banking industry. These financial holding companies, in order to increase share of the top-tier prospects of wealth management market, are targeting the high net-worth segment as their primary focus. These high net-worth clients are therefore able to take advantage of a greater number of good investment opportunities to continue to grow their wealth. Although everyone wants to be a millionaire, but may not be able to achieve this success, the main focus of this research is to study the Critical Success Factors (CSF) that are common within a target study group of high net-worth business owners. Business owners among the high net-worth group were selected as the object of this research study. Perceived preliminary key factors for success were collected from interviews of authorities in the field, the relevant literature and previous domestic and foreign case study research. These factors were subject to Analytic Hierarchy Process (AHP) using a survey of high net-worth business owners. Seven Critical Successful Factors (CSF) were obtained from the results of the survey, listed in order of importance: (1) Enjoy your chosen work/career, (2) Be honest, (3) Have support from the family, (4) Have superior professional abilities, (5) Previous working experience before starting own business, (6) Found a profitable business niche, and (7) Recognized an opportunity unseen by others. Therefore, the results provide a path to follow for those businessmen who wish to become high net-worth individuals. Keywords: Critical Success Factors, AHP, High Net-Worth Business Owner
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Huang, Ching-Yang, and 黃晴漾. "The Impact of Common Reporting Standard For Financial Investment and Management of High Net Worth Individual." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/qq7req.
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碩士輔仁大學
企業管理學系管理學碩士在職專班
107
Thanks to advances in economy and business , investment have gained popularity. Before the Common Reporting Standard (CRS) had been promoted, the High Net Worth Individual had many ways to avoid tax. It’s a big global problem to every governments. In order to curb the erious tax avoidance situation, every governments began to promote a series of policies that can avoid enterprises and individuals avoid tax through overseas accounts. As early as 2014, the OECD began to promote the CRS and establish a global tax information exchange system. On July 12, 2016, Taiwan passed the Article 43 of the Income Tax Law (the law of controlled foreign companies) and The amendment draft of Article 43(4) (actual management of the law of the premises) formally participated in the tax information exchange system, which brought a impact to the High Net Worth Individual. The main purpose of this study is to examine the impact of common reporting standard for financial investment and management of High Net Worth Individual, and to explore in depth the implications of the financial advisors and the strategies of wealth management for high-asset groups when the anti-tax avoidance clauses are implemented together with the cross-strait taxation agreements. By summarizing past literature and distributing it through questionnaires, it will besubmitted to professional investment financial advisors and high-asset investors at home and abroad to collect the strategic changes in the financial operation of domestic high-asset groups after CRS implementation, and to investigate high assets through this method. The changes in ethnic wealth management strategies were investigated and analyzed in detail. In the end, this research hopes that through the investigation and analysis of the results of the in-depth discussion of the topic, it can give domestic and foreign investors advice on the impact of major policies, and can reduce their losses in the investment market.
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Joubert, Kobus. "The asset composition of high net worth individuals in the Southern Gauteng area of South Africa." Diss., 2015. http://hdl.handle.net/10500/20221.
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In South Africa, less than 10% of individuals are financially independent after retirement, with an increasing number becoming dependent on social grants from government – hence the importance of analysing the asset composition of high net worth individuals who have achieved financial independence.
To achieve the aim of this study, it was first necessary to define net worth and to develop a theoretical framework of the assets and liabilities included in the measurement of an individual’s net worth and how these assets and liabilities should be valued. A definition of high net worth individuals was then formulated. Secondly, the factors influencing the asset composition of high net worth individuals, as well as selected demographic factors that influence net worth, were investigated. Finally, following a quantitative approach, data collected from the liquidation and distribution accounts of deceased individuals were analysed according to the developed framework.
The results of this study suggest that are indeed differences in the contribution of the different asset types when measured using the mean, relative contribution and importance of the asset class in comparison with total assets. Further analysis revealed that the richest individuals included in the survey invested more in shares than the other groups for whom immovable property was the primary asset. Based on the analysis of selected demographic factors, the findings indicated that for many of the dependent variables, the asset used most by respondents in that group was not the same asset that made the highest contribution to the net worth of the individuals in the group.Business Management
M. Com. (Accounting)
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Orr, Stewart Rennie, and 歐史都. "Utilizing Quality Function Deployment Technique for MarketingCanadian Residential Property to High-Net-Worth Chinese InvestorsChinese Investors." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/71629060710625878648.
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碩士國立中山大學
國際經營管理碩士學程
103
This study intends to explore the real-time process of marketing a Canadian residential property to the emerging market of immigrant-investors in China. The literature review examines, uncovers, and reflects upon the status of the Canadian real estate market, specifically Vancouver and Toronto, with respect to the recent influx of homebuyers from China (P.R.C). Competitive market research is then done to categorize and evaluate the methods currently being used to market Canadian property within China. Then, a Toronto based property is used as a case study to test the viability of one realty portal, Juwai.com. Interviews are conducted to highlight benefits and faults of the site, and then a QFD is compiled to reflect these results. The results from the case can then be used for the benefit of Juwai, or to highlight Juwai’s weaknesses that can be expended by competitors.
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LOU, TIEN-SHIANG, and 樓天翔. "Application of AHP to Explore the Choosing Factors of Wealth Management Firms by High Net Worth Customers." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/wznghm.
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碩士國立臺北科技大學
管理學院資訊與財金管理EMBA專班
107
Wealth management companies not only developed and broadened their business offerings, but also aggressively invested in elevating their wealth management professionals’ fees and other service charges. This promoted more career transitions from their own employees, and increased poaching activities from competitors. However, can different financial consultants really meet the demands of all of their clients? For financial institutions, high net worth clients are not just a source of financial assets, but also a great source of referrals. So, the understanding of these high net worth individuals’ choices of financial consultants and how that affects the institutions in their operations forms the basis of this study. These individuals’ decisions are formed through a complex and multi-dimensional concerns. Based on research journals and personal interviews, we have established six dimensions (actual benefits, financial consultant characteristics, quality of relationships, perceived values, brand Image, and products) plus seventeen other important aspects, to evaluate how high net worth individuals choose their wealth management service providers, key factors in how they rate their financial consultants, differences between expectations and realities, etc. We also used analytic hierarchy process to conduct and analyze surveys, hoping that this study can help financial institutions to better understand how they are evaluated by their clients, so that they can better adjust their marketing and product strategy to meet their clients’ needs. This study found that high net worth individuals prioritize their decision making process with: Actual benefits, consultant characteristics, and perceived values. Of the seventeen aspects that affect their decisions, the top eight are: Company reputation, trust, meeting expected performance, ethics, exchange rate, professional knowledge, diverse products, and fees. Financial consultants often focus on their ethics, professional knowledge, and providing diverse products to meet their clients’ financial needs. On the other hand, high value individuals often are more concerned with the reputation of the financial institution, actual benefits, exchange rate, and whether or not the performance meets their expectations. Lastly, we looked at domestic high net worth individuals, domestic financial consultants, international high net worth individuals, and international financial consultants. We analyzed their top five concerns, and discovered their rank trust and ethics as the most important factors to consider.
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Liu, Chen-chi, and 劉真綺. "The Empirical Study for Risk Attribute of High-net-worth Clients and Investment Return Rate of Mutual Fund." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/24599152920418064220.
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碩士國立中央大學
產業經濟研究所碩士在職專班
99
In recent years, compatriots increase to the understanding of mutual fund and acceptance degree day by day, review our country''s relevant banking''s literature in the past, it is actually few as to wealth management or relevant discussions of private banking. The main purpose of this thesis is to probe into the high net value customer of investment mutual fund, its personal characteristic changes one, financing and has a partiality for changing one that is with risk attribute relatedly; Its personal characteristic changes one, the financing has a partiality for changing one, risk and affording degree and changing one and taking the total assets proportion of the bank, related three research themes of the rate of returns of common fund investment with mutual fund assets, utilize, gather H bank open an account KYC questionnaire, cash in bank total assets, investment mutual fund amount of money, mutual fund investment rate of returns,etc. materials newly, propose studying the conclusion after the real example is analyzed according to the purpose of studying, and then offer the suggestion on the practice financial institution and investor. Analyze and receive the following results with the regression model real example of three components: Part one With education, individual / family annual income, investment experience, expect remuneration, expect, invest in time limit, annual trade number of times,etc. parameter for ability of explaining, the attribute of investment risk tends to the positive type. Part two Affording parameters such as degree,etc. with sex, individual / family''s annual income, risk relatively has ability of explaining, improve to the proportion of taking the assets of chief bank of mutual fund. Part three Relatively have ability of explaining in parameters such as age, education and investment experience,etc., raise the rate of returns of the investment of mutual fund. Finally, investment mutual fund is one of the choices of the current investor''s tool for managing money matters, how to assess one''s own risk attribute to do efficient fund assets to dispose, in order to achieve the rate of returns of best investment it will be an important subject. .
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Vale, Rita Silva do. "Wealth management in Africa: the cape verde opportunity." Master's thesis, 2015. http://hdl.handle.net/10362/15354.
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This work project consists of a comprehensive study of the possibility of opening a Wealth Management (WM) firm located in Cape Verde (CV), and was made at the request of NovoBanco’s Research Sectorial team. WM is a growing industry that consists in the set of financial services provided to wealthy clients. After taking into account the expected industry growth of the Sub-Saharan region, the preferences of the African wealthy, the current industry structure, and the advantages and disadvantages of locating a WM business in CV, it is concluded that a business opportunity exists. The reasons for thus, along with relevant recommendations, including which services a new business should offer and whom to target specifically, are presented in the final section.UNL - NSBE
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Huang, Hui-Jen, and 黃惠仁. "Investigating the Relationship Selling Behaviors Influencing the Relationship Value and Customer Loyalty via Trust Perspective: A Study of the High- Net-Worth Management Clients." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/26425386633372871394.
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碩士國立東華大學
國際企業學系
99
This study adopted the concept of customer relationship management to investigate the cause and effect among relational selling behavior, trust and relationship value. This study uses the structural equation model （SEM） to investigate test the causal relationship among every construct in relational selling behaviors (including interaction intensity, interpersonal communication, preferential treatment and reward sub-constructs), in trust (including characteristic-based trust, process-based trust and institutional-based trust sub-constructs), in relationship value (including investment service relationship value and investment functional relationship value sub-constructs) and loyalty (including attitudinal loyalty and behavioral loyalty sub-constructs). This study posts questionnaires using random sampling to the high-net-worth clients. Empirical results verify that there are the positive relationships on the targeted hypothesis, the different relational selling behaviors affect on the diverse of categories of relationship value and customer loyalty in light for different types of trust, rather than just for a single type of trust. Consequently, the managerial implications of this study can provide the appropriate strategies for the bank or service industries to develop and execute their efficiency on the customer relationship activates.
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Liao, Min-Li, and 廖敏利. "The study of Key Successful Factors and Service Gap in Cross-border Wealth Management - The Case of High-net-worth Individuals and Taiwanese Businessman." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/tqf7h8.
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碩士國立臺北大學
企業管理學系
102
In response to the needs of cross-border wealth management business in the banking industry in Taiwan, literature review summarized the key successful factors of operations. Apply research methods, the first part through modified Delphi method compiled experts' opinions identify the key success factors of the criteria cross-border wealth management, and the second part by Importance - Satisfaction model (IS Model) analyze customer base in the practice of service gaps. The study found: cross-border wealth management operations key successful factors included the image of the product -oriented, the image of customer -oriented and company reputation, such as three dimensions of seventeen measure factors. Taiwan businessman and high net worth individuals (HNWI) through empirical analysis, we found for to be improve area (II / To be improve) of Taiwan businessman and situated in the top three for the improvement factor are "insurance and protection planning" and "loans"; HNWI were "investment by Renminbi in mainland China " and " tax and trust planning", the quality of the properties listed in this area is regarded as important, but the customer service has not yet reached the expected shortfall , the service providers must focus on these quality attributes, and immediately made improvements.
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"The use of community needs assessment data to establish a high-risk profile for negative health outcomes in the city of Fort Worth." UNIVERSITY OF NORTH TEXAS HEALTH SCIENCE CENTER AT FORT WORTH, 2009. http://pqdtopen.proquest.com/#viewpdf?dispub=1462698.
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