Before giving any advice, we first listen carefully to what you have to say.
Our investment advice in 6 steps
From your bank, you expect expert and well-motivated investment advice. You deserve no less. But how does that actually work?
1. Your present, personal situation is the point of departure.
Have you recently retired? Have you benefited from a financial windfall? What is your income? How much can you save each month? Do you own a home or rent? Do you have other assets or expenses? This information is important when it comes to assessing your personal and financial situation. It can help your adviser decide which investments to recommend and which to avoid.
2. What do you expect from the planned investment?
How long do you want to put your money aside? Are you looking for capital protection at maturity or perhaps not? Whenever you invest, you are the one who decides what kind of risk you consider acceptable and for how long.
3. Which investments are you familiar with? Which investments do you already have experience with?
Invest only in areas you are familiar with. This rule of thumb is not only a statutory guideline, but also the 'golden rule' for every investor. That is also why we use a questionnaire to evaluate your knowledge of and experience with investing. You can take this test at any time online.
4. Then we will prepare a proposal.
In the previous steps you gave us an indication of the criteria that your investment must meet. Now it is time for us, as your adviser, to take action. From about 25 investment products we select an investment that meets your requirements as optimally as possible.
5. We send you all the necessary information and documentation.
Together with this proposal, you also receive
- a summary of all the information you gave us. This ensures that the investment proposal is based on the correct information.
- the legally required documentation that we will go over together.
We discuss the following with you: the degree of capital protection, the potential return, the investment term, the composition, the liquidity and the product risk. We then also take a detailed look at the costs: commission and redemption costs, administrative fees, tax considerations with respect to buying and selling securities as well as income (withholding tax, double taxation etc.).