{"id":5816,"date":"2020-02-27T19:08:24","date_gmt":"2020-02-27T18:08:24","guid":{"rendered":"http:\/\/www.tiocodina.com\/?p=5816"},"modified":"2020-03-22T16:42:22","modified_gmt":"2020-03-22T15:42:22","slug":"perque-necessita-un-assessor-financer","status":"publish","type":"post","link":"https:\/\/www.tiocodina.com\/?p=5816","title":{"rendered":"Perqu\u00e8 necessita un assessor financer?"},"content":{"rendered":"<div  class=\"tatsu-dJxM70LzB tatsu-section    tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"15px 0px 15px 0px\"}' data-padding-top='15px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-suPOHhOeCG\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-column-no-bg tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-lPOmEKL7S6\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-h6A1gmlIL5  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-h6A1gmlIL5.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;}<\/style>\n<p><span style=\"color: #333333;\">El 75% de les inversions en productes financers a Espanya es&nbsp;fan \u00fanicament seguint els consells d&#8217;una entitat bancaria&nbsp;comercial, entitat que en la majoria de casos aconsellar\u00e0 els fons i productes que m\u00e9s els interessin per la seva estructura de comissions. <strong>\u00c9s molt habitual que una persona sense coneixements financers acabi contractant nom\u00e9s productes de la seva entitat bancaria i sense saber realment quant est\u00e0 pagant en comissions, ni tampoc si existeixen millors alternatives<\/strong>. Tamb\u00e9 \u00e9s molt habitual que els productes que acabi contractant la persona no siguin els m\u00e9s idonis per ell, sin\u00f3 per l&#8217;entitat bancaria amb la que opera.<\/span><\/p>\n<p><span style=\"color: #333333;\"><strong>Un assessor financer independent ofereix una perspectiva m\u00e9s subjectiva, no presenta conflictes d&#8217;inter\u00e8s i aconsella sempre el m\u00e9s adequat pel client.<\/strong> Aquest assessor&nbsp;es&nbsp;centrar\u00e0 a con\u00e8ixer la persona per tal d&#8217;oferir una planificaci\u00f3 que ajudi a complir amb els seus objectius, i sense inc\u00f3rrer en riscos intolerables. Aquesta manera de treballar fa que l&#8217;assessor financer acabi establint una relaci\u00f3 estreta amb els seus clients, que en molts casos acabaran sent \u00abamics\u00bb.<\/span><\/p>\n<p><span style=\"color: #333333;\">Avui en dia existeixen tamb\u00e9 el que s&#8217;anomenen&nbsp;roboadvisor&nbsp;que ofereixen assessorament automatitzat&nbsp;online. Aquests serveis tampoc s\u00f3n recomanables, ja que un servei automatitzat no podr\u00e0 establir una relaci\u00f3 de confian\u00e7a que ajudi a gestionar les emocions, com tampoc podr\u00e0 mai oferir un servei personalitzat a mida per cada persona.<\/span><\/p>\n<p><span style=\"color: #333333;\"><strong>\u00c9s molt important que un assessor financer estigui degudament qualificat, i aix\u00ed ho exigeix la normativa vigent&nbsp;MIFID&nbsp;II<\/strong>. L&#8217;any 2018, la Comissi\u00f3 Nacional del Mercat de Valors (CNMV) va publicar una llista d&#8217;acreditacions v\u00e0lides per certificar la feina d&#8217;assessor financer. <strong>En el nostre despatx disposem de dues certificacions acreditades, l&#8217;EFPA&nbsp;European&nbsp;Financial&nbsp;Advisor&nbsp;(EFA) i el&nbsp;Certified&nbsp;Advisor&nbsp;(CAd) proporcionada per&nbsp;CFA&nbsp;Society&nbsp;Spain<\/strong>. Aquestes certificacions s\u00f3n importants per als nostres clients per dos motius:<\/span><\/p>\n<ul>\n<li><span style=\"color: #333333;\">s\u00f3n una garantia que disposem dels coneixements actualitzats dels diferents productes del mercat i les novetats del sector.<\/span><\/li>\n<li><span style=\"color: #333333;\">per l&#8217;obtenci\u00f3 d&#8217;aquests certificats firmem un codi \u00e8tic on ens comprometem a vetllar pels interessos dels nostres clients per davants dels nostres amb l&#8217;objectiu d&#8217;assessorar amb professionalitat i integritat.&nbsp; &nbsp; <strong><span style=\"color: #800000;\"><a style=\"color: #800000;\" href=\"https:\/\/www.cfainstitute.org\/-\/media\/documents\/code\/code-ethics-standards\/translation\/spanish-code.ashx?la=en&amp;hash=C1EC9ED300D80D829E9C221FF06AF4E9AB15515D\" target=\"_blank\" rel=\"noopener noreferrer\">Enlla\u00e7 Codi \u00e8tic<\/a><\/span><\/strong><\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><\/div><style>.tatsu-row > .tatsu-lPOmEKL7S6.tatsu-column{width: 100%;}.tatsu-lPOmEKL7S6.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: none;}.tatsu-lPOmEKL7S6 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-lPOmEKL7S6 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-lPOmEKL7S6 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-lPOmEKL7S6 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-lPOmEKL7S6.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-lPOmEKL7S6.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-lPOmEKL7S6.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-GpWorlfb6o\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-column-no-bg tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-Q2WQLw6bhv\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-animated-link tatsu-animated-link-style4  tatsu-_Ecerh7wOT tatsu-module tatsu-animated-link-align-none  \"><a class = \"tatsu-animated-link-inner \" href = \"https:\/\/cincodias.elpais.com\/cincodias\/2018\/10\/11\/abante_asesores\/1539246135_520252.html\" target = \"_blank\"  aria-label = \"\u00bfPor qu\u00e9 contar con un asesor financiero es importante?  - Enlla\u00e7\"><span class = \"tatsu-animated-link-text\"  >\u00bfPor qu\u00e9 contar con un asesor financiero es importante?  - Enlla\u00e7<\/span><span class = \"tatsu-animated-link-arrow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" width=\"25px\" height=\"15px\" viewBox=\"0 0 30 18\" enable-background=\"new 0 0 30 18\" xml:space=\"preserve\">\n\t\t\t<path class=\"tatsu-svg-arrow-head\" d=\"M20.305,16.212c-0.407,0.409-0.407,1.071,0,1.479s1.068,0.408,1.476,0l7.914-7.952c0.408-0.409,0.408-1.071,0-1.481\n\t\t\t\tl-7.914-7.952c-0.407-0.409-1.068-0.409-1.476,0s-0.407,1.071,0,1.48l7.185,7.221L20.305,16.212z\"><\/path>\n\t\t\t<path class=\"tatsu-svg-arrow-bar\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M1,8h28.001c0.551,0,1,0.448,1,1c0,0.553-0.449,1-1,1H1c-0.553,0-1-0.447-1-1\n\t\t\t\tC0,8.448,0.447,8,1,8z\"><\/path>\n\t\t\t<\/svg><\/span><\/a><style>.tatsu-_Ecerh7wOT .tatsu-animated-link-inner{color: rgba(104,0,3,1) ;}.tatsu-_Ecerh7wOT .tatsu-animated-link-inner:hover{color: rgba(49,50,51,1) ;}.tatsu-_Ecerh7wOT .tatsu-animated-link-inner:hover .tatsu-animated-link-arrow{color: rgba(104,0,3,1) ;}.tatsu-_Ecerh7wOT.tatsu-module{margin: 0px 0px 40px 0px;}<\/style><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><\/div><style>.tatsu-row > .tatsu-Q2WQLw6bhv.tatsu-column{width: 100%;}.tatsu-Q2WQLw6bhv.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: none;}.tatsu-Q2WQLw6bhv > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-Q2WQLw6bhv > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-Q2WQLw6bhv > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-Q2WQLw6bhv > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-Q2WQLw6bhv.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-Q2WQLw6bhv.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-Q2WQLw6bhv.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><style>.tatsu-dJxM70LzB .tatsu-section-pad{padding: 15px 0px 15px 0px;}.tatsu-dJxM70LzB > .tatsu-bottom-divider{z-index: 9999;}.tatsu-dJxM70LzB > .tatsu-top-divider{z-index: 9999;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p>El 75% de les inversions en productes financers a Espanya es fan \u00fanicament seguint els consells d&#8217;una entitat bancaria comercial, entitat que en la majoria de casos aconsellar\u00e0 els fons i productes que m\u00e9s els interessin per la seva estructura de comissions. \u00c9s molt habitual que una persona sense coneixements financers acabi contractant nom\u00e9s productes de la seva entitat bancaria i sense saber realment quant est\u00e0 pagant en comissions, ni tampoc si existeixen millors alternatives. <\/p>\n<div><a href=\"https:\/\/www.tiocodina.com\/?p=5816\" class=\"exp-read-more exp-read-more-underlined\">Read More<\/a><\/div>\n","protected":false},"author":1,"featured_media":5817,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":["post-5816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies-ca"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/5816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5816"}],"version-history":[{"count":7,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/5816\/revisions"}],"predecessor-version":[{"id":5824,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/5816\/revisions\/5824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/media\/5817"}],"wp:attachment":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}