Investimenti a capitale protetto/garantito – Quello che i “consulenti“ non dicono!
Non sarebbe magnifico investire quando i mercati galoppano, ma proteggere il patrimonio durante le crisi finanziarie?
Negli ultimi anni, complici lo scoppio della bolla dei mutui subprime Usa (2007), il fallimento della Lehman Brothers (2008) e la crisi del debito sovrano dell’Eurozona (2011), i mercati finanziari sono diventati estremamente instabili. In questo scenario si sono moltiplicate le offerte di fondi e comparti di sicav a capitale garantito o a capitale protetto.
È innanzitutto bene precisare che esiste una sostanziale differenza tra le due tipologie di strumenti.
Viene infatti definito a capitale garantito un veicolo finanziario che, a prescindere dai risultati di gestione dei titoli in portafoglio, l’emittente, o la casa d’investimento a cui è demandata la gestione, garantisce a scadenze prefissate e con propri capitali a ogni sottoscrittore, la restituzione di una predefinita percentuale del capitale investito. Quest’ultima è specificata nel prospetto informativo e indica in modo preciso la quota del capitale investito (per esempio il 100%, piuttosto che il 90% o l’80%) che verrà liquidata alla data di scadenza indicata.
I prodotti a capitale protetto, invece, indicano una percentuale di protezione del capitale investito e il periodo durante il quale tale protezione è applicata. Tuttavia, al contrario dei prodotti a capitale garantito, non assicurano in nessun caso che il capitale iniziale investito venga restituito per quella percentuale al sottoscrittore.
In sostanza, la protezione del capitale è un obiettivo dichiarato dal gestore ma non vincolante: in particolari situazioni di mercato potrebbe non essere raggiunto senza per questo fornire alcuna possibilità al sottoscrittore di pretendere la liquidazione di quanto promesso.
Gli investimenti a capitale protetto sono molto spesso promossi dagli Istituti. Questo non a caso, perché da un punto di vista del marketing sono investimenti in grado di “intercettare” una fetta importante del mercato degli investimenti.
- Equity Protection Certificates, tramite i quali l’investitore partecipa al rialzo o al ribasso di un’attività sottostante, ad esempio un’azione, con i termini stabiliti al momento dell’emissione.
- Express Protection Certificates, simili agli Equity Protection Certificates, prevedono però il pagamento anticipato se si verificano determinate condizioni.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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Бързото отслабване е трудна задача и не
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Здравословният начин на живот, редовните
физически упражнения и правилното хранене
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Теглото на всеки човек се променя
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а.
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Всеки винаги започва отнякъде.
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Tu nivel de actividad
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físico o camina una media de 10.000 pasos al
día;
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Debes elegir una actividad física que sea asequible económica, física y mentalmente.
Si tiene sobrepeso, no es buena idea empezar corriendo
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Perder peso empieza en la cocina: el paso clave hacia
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de una nutrición adecuada: haga cinco comidas
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Acara ini turut dihadiri oleh Anisia Kumala selaku
Wakil Rektor I Uhamka, Desvian Bandarsyah selaku Wakil Rektor II Uhamka, Prof Nani Solihati
selaku Wakil Rektor III Uhamka, Ade Hikmat selaku Direktur Sekolah
Pascasarjana Uhamka, Ai Fatimah Nur Fuad selaku Dekan Fakultas Agama Islam (FAI) Uhamka,
Ony Linda selaku Dekan Fakultas Ilmu-ilmu Kesehatan (FIKES) Uhamka,
Supriansyah selaku Kepala Biro Sumber Daya Manusia (SDM) Uhamka,
Faizal Ridwan Zamzany selaku Dana Pensiun Uhamka, pejabat penerima SK Rektor, dan stakeholders.
Desvian Bandarsyah selaku Wakil Rektor II Uhamka mengatakan bahwa Uhamka
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Ia mengatakan bahwa mutu dan kualitas dari waktu ke waktu selalu meningkat tuntutannya, sehingga Uhamka dituntut untuk
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“Sebuah program studi dan fakultas menjadi baik disebabkan karena unit penjaminan mutunya berfungsi dengan baik.
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penjaminan mutunya bekerja dengan baik, kita harapkan mutu universitas
menjadi semakin baik. Begitu juga dengan bapak dan ibu
dosen, bahwa program studi yang baik itu disebabkan kinerja dosennya yang baik diantaranya melakukan riset, menulis, melakukan pengabdian, hasil riset dan pengabdiannya diterbitkan dalam artikel jurnal,” tutur Desvian.
Desvian Bandarsyah menambahkan catur dharma perguruan tinggi dikalangan perguruan tinggi
Muhammadiyah dapat menjadi agenda akademik keilmuan dan profetik yang nanti
akan dilaksanakan oleh dosen, unit penjaminan mutu dan tenaga
kependidikan di lingkungan Uhamka. Ia juga menyampaikan pesan rektor
Uhamka kepada para dosen atau tenaga kependidikan yang telah
menerima SK Rektor.
“Bapak Rektor beserta pimpinan fakultas menyampaikan terima kasih kepada bapak
dan ibu yang telah diangkat untuk menjalani tugas-tugasnya serta atas pengabdian yang telah dilaksanakan untuk institusi
kita. Mudah-mudahan bapak dan ibu terus bisa menjadi bagian dari proses perjalanan Uhamka yang
lebih kokoh lagi dengan tantangan yang lebih besar,” pungkas Desvian.
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