How did the new middle class come from?
Recently, Hurun Research Institute and Jinyuan Investment Group, an investment asset management company, jointly released the White Paper on the New Middle Class in China (20 18), which is the origin of the new middle class. Today, according to this white paper, we will learn what the new middle class is, whether their living and working conditions are as anxious as described, and what kind of emotional status quo and wealth outlook they have.
Both the middle class and the new middle class should have money.
The white paper defines the middle class as a social group that still has high spending power and investment power after removing basic household living expenses such as food, clothing, housing and transportation. The basic consumption expenditure of middle-class families accounts for less than 50% of the average annual disposable income of families.
The specific setting is that the annual income of families in the first-tier cities in the north, Guangzhou and Shenzhen is at least 300,000, and other cities are above 200,000.
As long as the middle class has money, the new middle class should not only have good family income and wealth conditions, but also have a good educational background and a stable living environment (a house and a job with considerable income).
In China, the eligible new middle class does not exceed 30% of the total middle class. These new middle classes have the following characteristics:
At least 1 apartment in the permanent residence, preferably a private car;
Family net assets of more than 3 million;
Received higher education;
White-collar workers, gold collars or professional freelancers;
Post-80s is the main force of the new middle class, followed by post-70s and post-90s;
Subjective self-identity is middle class.
Rich, they are young, promising, happy and positive. Why is the new middle class anxious?
There is a classic joke on the Internet. Do you still think rich people will be happy? Wrong, the happiness of rich people is beyond your imagination!
The new middle class is also a group of rich people, who are anxious, but more are the material enjoyment and spiritual freedom brought by wealth.
Their average age is 35 years old, they are well educated, prefer hot industries such as financial investment and TMT, and have been promoted to enterprise management or engaged in professional freelancing.
They are excellent, but they are not a single elite left behind. Most of them are married and have children, and recently 1/5 all gave birth to a second child.
They are no longer satisfied with the material pursuit of having a house and a car for free shopping, but pay more attention to the quality of spiritual life. They like reading, exercising and traveling.
In recent two years, the average family tourism consumption of new middle-class people is 74,000 yuan/year, and 18% of new middle-class families spend more than 654.38+10,000 yuan. Among the tourism themes, they prefer leisure vacation.
What is the anxiety of the new middle class? One is the education of children, and the other is how to manage money.
Among the anxiety of the new middle class, it mainly focuses on children's education (45%) and investment and financial management (42%).
With a good educational background, they also attach great importance to their children's education. In the past year, the average expenditure of new middle-class families on children's education was 90 thousand yuan. Up to 93% of new middle-class parents have made plans or even started to prepare a series of plans for their children to study abroad in the future.
With an average of 6.5438+0.08 million yuan of investable financial assets, how to manage money is also one of their sweet troubles. They are eager to stabilize the existing life class or enter a higher class by accumulating wealth.
Therefore, the main purpose of their investment and financial management is to make assets grow steadily and then preserve their value. In terms of financial allocation, stocks are their first choice, followed by baby internet financial management and real estate.
Their financial anxiety mainly comes from three points: insufficient risk control ability, insufficient time to manage investment, ignorance of investment and insufficient professional knowledge. Therefore, 85% of the new middle class intends to help themselves invest and manage their finances through professional financial services in the future.