“Ambition should be as steadfast as a mountain, while actions should flow like water. Without the firmness of a mountain, one cannot be resolute; without the flexibility of water, one cannot adapt.” This phrase aptly describes the fund advisory business.

Innovation: The Driving Force for Development
For the fund advisory business, which has been operating in China for less than five years, the current phase is one of exploration and innovation. As one of the pilot institutions, GF Fund has consistently focused on a customer-centric approach, striving for innovation and change.
To address common pain points in fund trading, GF Fund introduced the "carrying method" investment strategy, which incorporates a control mechanism for cash flow to offer comprehensive investment solutions. Recognizing the need to optimize investor behavior, GF Fund has developed a full lifecycle service system and a content studio that provides valuable and engaging support for investors.

Future Trends in Fund Advisory
According to GF Fund's advisory business leader, the domestic fund advisory model is likely to transition from traditional strategy-based following to a more comprehensive account management model that focuses on detailed asset allocation and financial planning. Recently, GF Fund launched an account-based advisory service, aiming to provide personalized solutions tailored to each investor’s needs.

Comprehensive Solutions for Real Needs
In recent market fluctuations, investors frequently encounter challenges like “what to buy and how much,” and “when to sell.” GF Fund has shifted from a product-centric mindset to a more client-focused approach, incorporating operational suggestions and profit-taking reminders into its advisory strategies. This comprehensive solution combines foundational fund advisory strategies with financial planning guidance.
The "Super Investment Strategy," launched at the end of 2021, exemplifies this evolution. It uses market conditions to guide buy and sell operations, offering tailored investment advice based on quantitative models and qualitative assessments.
Innovations in Profit-Taking Services
Understanding that effective investing requires not only buying but also selling, GF Fund has innovatively integrated profit-taking services into its strategies. Unlike traditional methods that trigger sell alerts based on market highs, their approach tailors profit-taking points to each investor's unique situation.
The advisory service system tracks each client's contributions and provides real-time monitoring, offering personalized profit-taking suggestions when conditions are met. This system is supported by robust technology and deep research involvement.
Full Lifecycle Services to Optimize Investor Behavior
Research indicates that the value of investment advisors lies significantly in behavioral guidance, which comprises about half of their overall impact. From the outset, GF Fund recognized this importance and established a comprehensive advisory service system that emphasizes frequent interactions and long-term support.
Over the past year, the advisory team has produced over 400 pieces of content and conducted more than 200 interactive sessions, maintaining close engagement with clients. This content covers strategy operations, account performance, and market updates, helping clients make informed decisions while minimizing emotional trading impulses.
From Standardization to Personalization
Since the pilot began in 2019, “innovation” has been a key theme for fund advisory services. GF Fund is committed to enhancing investor satisfaction through continuous exploration of business models.
Historically, the industry has favored a strategy-following model. However, GF Fund believes the future will shift towards a more personalized account management approach, combining KYC (Know Your Customer) and KYP (Know Your Product) to create nuanced client profiles and provide tailored account management advice.
Implementing Account Management Models
GF Fund has segmented its advisory clients to provide individualized solutions based on specific account profiles. This includes a newly introduced account panorama function that optimizes client asset allocations comprehensively.
The advisory team employs in-depth KYC research to understand investor needs, capturing not only risk tolerance but also behavioral patterns. This is complemented by KYP analysis to assess the health of current holdings and provide optimization recommendations.
Conclusion: A Commitment to Innovation and Change
Over the past three years, GF Fund has consistently pursued innovation, from comprehensive solution strategies to integrated advisory services and personalized account management. Looking ahead, the advisory business leader affirmed, “The development of fund advisory services in China is just beginning. GF Fund is committed to enhancing integrated advisory capabilities, fulfilling our mission of inclusive finance.”