At the "AI Together, Co-Generating the Future" 2025 Noah Global Black Diamond Summit held in Macau, Norah Wang, Noah Co-Founder and Chairwoman, delivered a keynote speech titled "From Chaos to Clarity: Building a Global Operating System for Wealth Management." Drawing on over 20 years of global observation, the specialized experience of the Chinese community, and proven asset allocation wisdom, she pointed out that the next decade represents a critical period for global Chinese family wealth management and shared a future-focused strategy specifically designed for Noah’s global Black Diamond clients.

We have distilled the core insights from her presentation below—insights that extend beyond mere finance to touch upon the wisdom of life itself.

Navigating the Paradigm Shift: From the Internet to AI

Over the past four years, global markets have undergone unprecedented turbulence and restructuring. From geopolitical conflicts and high inflation to interest rate cycles and shifts in technological paradigms, every variable has challenged the cognitive boundaries of wealth managers.
Throughout this period, Noah has remained committed to its core philosophy of "Common Sense, Logic, and Foresight," serving as a beacon amid uncertainty. Over these four years, ten Noah Holdings | ARK Wealth CIO reports have provided a phased reference to understand market shifts, while Noah's integrated wealth architecture was designed to help clients systematically translate insights into action.

Expanding our view from the last four years to the last two decades, we see that only two major shifts have structurally altered the global wealth landscape. The first was the internet, which created the business models and wealth logic we know today. The second is AI, which is currently rewriting rules from the ground up, reshaping industries, and redefining the sources of future wealth.

We are standing at a historic turning point. As we face this second revolution, are you and your family prepared? We believe the next ten years may become the most critical period in the history of global Chinese family wealth management. Drawing upon two decades of experience and insights from supporting over 400,000 clients, Wang explained: "The real pain point for Chinese families today is not investment performance, but navigating the growing complexities of a global lifestyle."

A Robust Global Operating System for Five Structural Forces  

In this restructured world, your wealth voyage will traverse five powerful trends. Understanding and navigating them is the key to the future.

1.Geopolitical Shifts: Wealth security requires forward-looking global allocation strategies to ensure resilience from systemic shocks.

2.Structural Inflation: Moving past the era of low interest rates, making predictable cash flows and infrastructure-level yield essential for capital preservation.

3.Security as an asset class: Strategic technologies including defense, cybersecurity, and resilient supply chains, gain critical investment value as sources of "Alpha" opportunities. 

4.AI normalization: As AI continues to reshape global civilization, compute and energy are emerging as foundational assets.

5.New Family Governance: Legacy planning now outweighs financial planning. A dual-track approach of "Psychology x Governance Structure" is ushering in a new era of family wealth stewardship.

While many may already possess the "maps" and "tools," we believe a robust and intelligent global operating system is the superior choice. Combined with our global AI digital platform, Noah's three pillars—Olive (Asset Management & Global Growth Engine), GLORY (Family Governance & Legacy Architecture), and ARK (Global Booking & Wealth Execution Center)—serve as our "Global Wealth Infrastructure." This one-stop solution is dedicated to fundamentally solving the complexity of global living.

True Wealth Freedom: The Maturity of Structure and Mindset

True wealth freedom is not defined by the amount of money one has, but by one's understanding of the world, the self, and the future. Wang summarized this through seven guiding principles:

·Principle 1: Wealth is defined not by the scale of assets, but by the power of future choice. The ability to make independent, informed decisions is the true foundation of a family's long-term security.

·Principle 2: Wealth is built through mastery of time. Families that endure across cycles understand the discipline of compounding. In wealth management, patience and consistency are the most effective accelerators.

·Principle 3: Preservation outweighs growth. Protection does not imply excessive caution; rather, it reflects a long-term, strategic approach to sustaining family wealth.

·Principle 4: Lower costs and controlled risks matter more than pursuing higher returns. Avoiding structural mistakes and unnecessary risk is essential to long-term success.

·Principle 5: Global asset allocation expands the strategic horizon and creates greater optionality for a family's future.

·Principle 6: Wealth is ultimately measured by peace of mind. The ability to rest well and remain confident in one's financial decisions represent the highest form of wealth.

·Principle 7: Wealth represents freedom of purpose. By remaining grounded, aligned with the world, and respectful of time, families can treat wealth as a long-term partner—one that contributes meaningfully to family legacy, society, and the broader world.

The dual maturity of external structures and internal mindsets creates true freedom. This is not a destination, but a higher state of being—as Noah has always advocated: "Wisdom Beyond Wealth."

The world's script is being rewritten. At this pivotal moment, we aspire to be the next destination for global Chinese wealth, building a "Centennial Wealth Ship." Through Noah's exclusive wealth management approach, we help Chinese families discover their unique advantages and stay ahead of the curve, charting a course that connects wealth, time, choice, and spiritual freedom.