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Thread: 合格投资者要学会问十大问题

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    Default 合格投资者要学会问十大问题

    不论是买基金,还是买保险,投资者面对的都是一些复杂的表格和合同。如何成为一个成熟、合格的个人投资者?近日,外资银行的个人理财师列举了十个投资者需要向理财机构(银行、保险公司、信托公司、基金公司等)提出的问题。如果理财机构不能回答出大部分问题,那么这笔投资就应该仔细掂量一下了。投资者也可以避免被一些地下金融公司欺诈。



    一、你们的顾问和理财经理有哪些资质?目前,杭州个人理财师一般拥有注册理财规划师(afp)和国际注册理财规划师(cfp)的资质。至于每个理财师的服务水平,还应看他的工作经验。



    二、你们的服务如何收费?你们从所售产品中提取佣金吗?这些内容一般都会在产品合约中有所说明。投资者应该特别关注人身保险合约中的现金价值等内容,这会给你退保、保障带来很大的影响。



    三、你们提供哪些服务?哪些服务是外包的?对于人民币理财计划、外汇理财计划和信托计划,中资银行会选择与外资银行、证券公司合作。



    四、你们提供全权委托投资组合管理还是顾问管理?杭州的个人理财师一般采用顾问管理方式,投资的具体操作由本人完成。



    五、可以看看你们以往的投资记录吗?投资者可以查看保险公司、开放式基金、集合信托的年报,这些在公司网站上都免费提供。



    六、你们如何监控投资业绩和风险?



    七、你们是用内部基金经理还是外部基金经理,或是两者都用?基金公司、保险公司都是用本公司的基金经理。



    八、你们公司对我委托资产的投向有限制吗?



    九、你们如何保护我的投资不受欺诈或公司破产的威胁?



    十、你们多久给我发送一次财务报告?基金公司一般三个月或者半年会邮寄一份账户报告,投资者如果急需知道自己账户的净值,通过网站、股票交易软件都可以查到。

  2. #2
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    记住一个简单的规则-善用停损交易

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    要研究好多问题。

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    不懂操盘技巧的人常常诽谤操作股票和期货跟赌博一样,在赌局中,一旦骰子离手,你就再也不能控制。但是优秀的操盘人不是赌徒,因为优秀的操盘人永远都能控制局面。

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    这个好象是在找经纪公司,不过是我们资金保险的一中做法.

  6. #6
    shaoyinwang
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    这是基本的问题,在做出行为之前就应考虑的

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    Default

    问对问题,才是思考的前提!!

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