臺灣經濟經歷數波產業轉型與經濟發展，以及全球重大的金融事件與政治更迭。儘管外部局勢持續變動，臺灣的各大金融機構持續關注客戶需求的改變，近年來金融機構主打以客戶為核心，持續精進全方位個人金融服務。
本研究針對臺灣高資產財富管理客群進行研究，目的是希望能深入剖析臺灣的高資產客群，在面臨變化頻繁的全球政經局勢下，如何採取快速的調整策略，以及對家族保有永續經營的價值觀與希望，同時，本研究期望為臺灣財富管理探索更深入的市場脈絡、洞悉客戶需求及為金融服務與商品的研發注入更廣泛的策略思維。
本研究採用問卷的方式，以可投資資產超過新臺幣3,000 萬元以上之客戶作為研究對象，問卷以邀請制符合本研究高資產定義之臺灣高資產客群進行問卷訪查，調查執行時間為2020年1月至2020年12月，有效回收樣本數為200份，依據調查問卷分析，本研究得以下結論及建議：
超過90%臺灣高資產客群過去一年財富的規模有顯著性成長變化，近80%的高資產客群期望未來三年投資理財的報酬率區間為3%~8%，而財富規模的成長多為投資金融商品所致損益變化。
超過90%臺灣高資產客群投資配置以臺灣為主，相同於2018年以前臺灣高資產客群藉由投資中國與美國等全球市場進行風險分散，投資配置不因資產規模不同有顯著差異，惟境外資產以投資性不動產及各項金融商品，而未來三年逐步有轉往「其他東協」等新興市場趨勢。
對於家族財富的傳承偏重「財富的完整性」，租稅及法律規範發展趨勢及個別差異也因此成為擁有高資產客群所關切要點，2019年主要關注境外資金匯回課稅、反避稅制度、全球金融帳戶資訊自動交換機制和共同申報標準、個人稅相關法令等議題。
高資產客群期待財富管理機構能提供客製化體驗與彈性的收費機制，針對數位化介面的要求傾向簡單與直覺性之操作，對於提供資訊範圍的服務包含投資前的資訊取得與投資後的即時管理；此外，於研究調查中發現，高資產客群期盼數位服務能參酌更多人性化的設計，因此，暖心的服務提供為其首要選擇財富管理機構之重要指標。

The Economy of Taiwan has undergone several waves of industrial transformation and economic development, as well as major global financial events and political changes. Due to external situation continues keep change, major financial institutions in Taiwan continue to pay attention to changes in customer needs. In recent years, financial institutions have focused on customers core and continued to improve comprenshive personal wealth management services.
This article conducts research on Taiwan’s high-asset wealth management customer, the purpose of analyzing Taiwan’s high-asset customer behavers, how to adopt rapid adjustment strategies, in the frequently changing global political and economic situation At the same time, I also hope that this research can provide insights into the wealth management of Taiwan’s financial industry.
This study adopts a questionnaire method and takes customers with investable assets of more than NT$30 million as the research object. The questionnaire sent an invitation to high-asset customers in Taiwan who meet the definition of high-asset in this article. The survey execution time is 2020 From January 2010 to December 2020, 200 effective samples recovered. Based on the analysis of the questionnaire, the following conclusions were below.
1. More than 90% of Taiwan High-asset customers have seen significant growth in wealth in the past year. 80% of high-asset customers expect the return on investment and wealth management in the next three years to range from 3% to 8%, most the scale of wealth will grow are changes in profit and loss caused by investment in financial products.
2. More than 90% of Taiwan's high-asset customer base investment allocation is mainly based on Taiwan. Before 2018, Taiwan's high-asset customer base invested in global markets such as China and the United States for risk diversification, Investment allocation does not diff significantly due to different asset sizes. However, investment real estate and various financial products in overseas, and innext three years there will be a trend of gradually transferring to emerging markets.
3. The inheritance of family wealth emphasizes the "wealth Completeness", main concerns of high- asset customers points are development trend of taxation and legal regulations and individual differences. Repatriation of overseas funds for taxation and anti-tax avoidance. are the 2 focus points in 2019. the automatic exchange mechanism of global financial account information and common reporting standards, and personal tax-related laws and regulations.
4. The expects of High-asset client base on wealth management institutions to provide customized experience and provide more flexible charging mechanisms. Always simple and intuitive for charge and any potention fees in customers experience. For services that provide information, include information acquisition and investment before investment Immediate management；In addition, the research and survey found that high-asset customers expect digital services to take into account more user-friendly designs. Therefore, warm-hearted service provision is an important indicator of their primary choice of wealth management institutions。

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