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Because of the knowledge of wealth management and lots of existing financial products, knowing how to make money in this financial world becomes a trend. It is an important issue for investors to know how to make a good decision within a complicated financial market.
In order to understand what factor is important for Financial Consultants managing finances, questionnaire survey about Financial Consultants of commercial banks in Taipei. Responses of 69 questionnaires were statistically analyzed by Cluster analysis, Analytical Hierarchy Process and Relative to an Identified Distribution. The survey results are obtained as below：
1. Financial Consultants are divided into two groups by their demographic characteristics.
2. When making wealth management decisions, the key determinants that Financial Consultants focus on are Profitability, Default Risk, and Liquidity. Also, returns, portfolio, and market condition are considered critical valuation factors.
3. Financial Consultants in the first group are familiar with Deposits, Funds, and Stocks but are not familiar with Futures and Gold. Financial Consultants in the second group are familiar with Deposits and Funds but are not familiar with Real Estates, Futures, Foreign Currency, Gold and Securities.
4. As far as purpose of wealth management be concerned, Financial Consultants in the first group think wealth management as the most needed in living expense and retirement pensions. Financial Consultants in the second group think wealth management as the most needed in living expense, retirement pensions, and increasing living standards. All Financial Consultants think buying real estates as the least needed.
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