L’importanza di affidarsi ad un consulente finanziario – La consulenza finanziaria indipendente
In un mondo sempre più incerto e dominato dalla complessità, si rafforza sempre più l’esigenza di affidarsi a chi ha delle competenze ben precise. Questo vale in tutti i campi, a maggior ragione quando si tratta di gestire risparmi accumulati con sforzi e sacrifici da destinare a progetti che riguardano la propria famiglia o il proprio futuro.
Secondo quanto emerso dalla ricerca di Assogestioni, presentata al Salone del Risparmio 2017, il ruolo del consulente finanziario resta imprescindibile per i risparmiatori, a maggior ragione in un’epoca in cui tante informazioni sono accessibili sul web.
Purtroppo, per molti anni, l’industria del risparmio gestito ha celato, dietro una pseudo consulenza finanziaria, una mera attività di vendita; un’attività nella quale il vero contenuto professionale risultava quasi inesistente.
Di fatti, Il risparmiatore si è trovato spesso ad affidarsi ad un operatore tradizionale presso la filiale della propria banca o ad un consulente finanziario abilitato fuori sede/ex promotore finanziario, il quale, legato alla politica commerciale della banca o delle reti di vendita (SIM/Sicav) al quale fa riferimento, si è trovato ad operare in palese conflitto di interessi.
Quindi, Il risparmiatore dovrebbe valutare la possibilità di avere interlocutori che operino con il suo stesso interesse; una categoria professionale che sappia rispecchiare queste caratteristiche, ovvero, i Consulenti finanziari indipendenti.
IL CONSULENTE FINANZIARIO INDIPENDENTE
Introdotta nel 2007 con la direttiva europea MiFID (Markets in Financial Instruments Directive), la consulenza finanziaria indipendente ha acceso il semaforo verde alla rivoluzione del settore degli operatori finanziari.
In Italia si è cercato di ostacolare quasi in ogni modo questo modello che non piace alla industria del risparmio gestito e alle banche perché evidentemente è molto più vantaggioso mantenere i vecchi privilegi (maggiori costi per i risparmiatori e maggiore redditività per i collocatori) ma seppure con ritardo qualcosa sta iniziando a cambiare e il 2018/2019 dovrebbero essere gli anni buoni per il vero decollo di questo tipo di consulenza.
il consulente finanziario indipendente è un professionista che consiglia i propri clienti nelle scelte di investimento, senza che vi sia alcun conflitto di interesse.
Il compenso del vero consulente viene corrisposto direttamente dal cliente al consulente e non alla banca o alla Rete per cui ha un mandato di vendita. Il professionista non riceve alcuna commissione in relazione agli strumenti finanziari che propone.
Il compito del consulente è quindi valutare le soluzioni di investimento più adatte al profilo del cliente, nell’ottica di soddisfarne le esigenze sia in termini di rendimento che di rischio.
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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