Wealth in the Netherlands: HNW Investors

Wealth in the Netherlands: HNW Investors

Code: VF-VF0132CI | Published: Apr-2016 | Pages: 40 | Verdict Financial
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Typically Dutch HNW individuals come from an entrepreneurial background or are family business owners, while the leading generators of wealth are the IT and financial services industries. While younger than the regional average, most Dutch HNW individuals are over 50, with almost a quarter over 65. Expats form a small proportion of the HNW population (4.1%), with the UK accounting for the largest share. The typical Dutch HNW individual invests heavily into equities, which make up nearly half of the typical HNW portfolio, while bonds constitute another third. Allocations into equities, property, and cash are expected to increase, demand for alternatives will remain unchanged, while demand for bonds and commodities is set to decrease amid low yields and commodity prices.

Key Findings
- Compared to the wider region, expats do not form a large proportion of the resident HNW population, and have been in the Netherlands for less time than the European average.

- Discretionary mandates account for 49.9% of portfolios, while 42.3% is invested in advisory mandates and 7.8% in execution-only mandates.

- The largest share of HNW wealth is allocated into equities, which make up 44% of the typical HNW portfolio, while bonds constitute 31%.

- The desire to receive better returns through advisors and investors highly complex portfolios are the leading reasons why Dutch HNW individuals seek professional advice.

- Those seeking to self-direct at least part of their wealth are largely motivated by the desire to retain exclusive control over part of their portfolio.

Verdict Financials "Wealth in the Netherlands: HNW Investors" analyzes the investing preferences and portfolio allocation of Dutch HNW investors. The report is based on our proprietary Global Wealth Managers Survey.

Specifically the report:

- Profiles the average Dutch HNW investor in terms of the source of their wealth and age as well as analyzes the expat opportunity in the Netherlands.

- Analyzes which wealth management mandates are preferred among Dutch HNW investors and how demand will develop going forward.

- Examines the allocation of Dutch HNW investors portfolios into different asset classes and how the allocation is expected to develop in the future.

- Analyzes product and service demand among Dutch HNW investors.

Reasons To Buy
- Develop and enhance your client targeting strategies using our data on HNW profiles and sources of wealth.

- Give your marketing strategies the edge required and capture new clients using insights from our data on HNW investors drivers for seeking investment advice vs self-directing.

- Tailor your investment product portfolio to match current and future demand for different asset classes among HNW individuals.

- Develop your service proposition to match the product and service demand expressed by Dutch HNW investors and react proactively to the forecasted change in demand.

Table of Contents

Most Dutch HNW individuals are either family business owners or entrepreneurs
Key findings
Critical success factors
Entrepreneurship is the leading source of Dutch HNW wealth
Entrepreneurs should be targeted with tailored service propositions
Many HNW investors have built their fortunes through IT and financial services
Dutch HNW individuals are older, making wealth preservation crucial
Expats in the Netherlands form a small share of the HNW population
Expats constitute 4.1% of the local HNW population
Cost considerations motivate expats to keep wealth in the Netherlands
The UK accounts for almost half of HNW expats in the Netherlands
Only 7.8% of HNW wealth is held via execution-only mandates, making the Netherlands an attractive market to operate in
Wealth managers should highlight their specialist expertise
The largest proportion of HNW wealth is kept in discretionary mandates
Demand is strongest for discretionary mandates
Discretionary mandates will remain the favored asset management offering
A desire to retain control of some of their investments motivates self-directed investors
Equities will remain the most favored asset class
Equities constitute nearly half of HNW investors managed wealth, and are mostly held through funds
Capital appreciation opportunities and dividend income feed the HNW appetite for equities
Bond investments are forecast to decrease in popularity
Balancing out equity risk, Dutch investors prefer bond funds and direct government bonds
Bond investments will continue to decrease in popularity
Cash and near-cash allocation is on par with the wider region
The Dutch HNW cash portfolio is largely in local currency deposits
Low interest rates will continue to depress demand for cash and near cash-products
Property constitutes 6% of the typical HNW portfolio
Dutch HNW investors prefer property investments through funds
The revitalized property market will motivate investors to increase allocations in this asset class
Alternatives constitute 5% of the typical HNW portfolio
Hedge funds account for more than half of alternatives
Asset diversification is the leading driver of alternative investments
Demand for planning services is below the regional average
ABN Amro offers services for families seeking to secure their wealth over generations
Demand for advice will offer opportunities in the future
Demand for investment property and tax advice lags behind the regional average
Wealth managers lacking the in-house resources to provide property advice should consider partnerships in light of rising demand
Abbreviations and acronyms
Mass affluent
Liquid assets
Verdict Financials 2015 Global Wealth Managers Survey
Verdict Financials 2014 Global Wealth Managers Survey
Exchange rates
Further reading
About Verdict Financial

List of Figures

Figure 1: The majority of Dutch HNW individuals have sourced their wealth through either family business or first-generation entrepreneurship
Figure 2: INGs innovation studio lets startups test their ideas and receive mentoring
Figure 3: IT and financial services are the leading generators of wealth
Figure 4: Dutch HNW individuals are younger than the regional average, but the majority are still over 50
Figure 5: Expats have largely been in the country over the short or medium term
Figure 6: Expats in the Netherlands aim to avoid foreign exchange fees by investing in the country
Figure 7: The largest proportion of expats in the Netherlands come from the UK
Figure 8: ABN Amros World Citizen Services targets expats globally
Figure 9: Clients seek professional advice in the hope of better returns
Figure 10: Discretionary mandates are the leading choice among Dutch HNW investors
Figure 11: Dutch HNW investors express strong demand for managed mandates
Figure 12: Demand for discretionary mandates is set to soar
Figure 13: Self-directing clients want to retain control of part of their investment portfolio
Figure 14: Equities dominate Dutch HNW asset allocation
Figure 15: Two thirds of the Dutch equity portfolio is held through funds
Figure 16: Capital appreciation and dividend income drive HNW equity investments
Figure 17: Bonds constitute a third of the typical Dutch HNW portfolio
Figure 18: Demand for bonds will decrease as investors look for higher returns
Figure 19: Cash investments are largely in local currency deposits
Figure 20: Demand for cash investments is expected to decrease
Figure 21: Investment property is mostly held through funds
Figure 22: Asset diversification is the leading driver of property investment
Figure 23: Alternative investments are mostly held in hedge funds
Figure 24: Wealth managers are divided on the development of demand for alternatives
Figure 25: Demand for planning services is below the regional average
Figure 26: ABN Amro offers planning services for wealthy families
Figure 27: Demand for planning services is set to pick up
Figure 28: Demand for investment property advice and tax planning services is muted
Figure 29: Demand for investment property advice is expected to pick up
ABN Amro

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