Like nearly 75% of savers, you probably have only limited confidence in your banker’s advice and investments… so why not ask for a CGP, in other words a wealth management advisor? It will help you identify your current and future needs, and will build financial and real estate assets that fit your profile. All at a cost less than you might think, especially if you choose an organization that is 100% online (read our selection in the table below). But before opening an account there, make sure that it offers all the required professional guarantees, and that it defends your interests with complete independence towards insurance companies and money management companies.
There is no minimum to become an online savings manager client. A CGP with a physical branch rarely opens its doors for less than 500 or 1000 euros in monthly savings, especially if it is part of a large national network, such as Cyrus Conseil, Primonial or Thesaurus. Nothing to do with the new generation of savings managers, Altaprofits, Bienprévoir.fr, Linxea, Meilleurtaux Placement or NetInvestissement, which were created on the Internet in order to make the profession accessible to as many people as possible: at home, there is no minimum bet required to become a client, The savings products can be subscribed directly to their site. As far as advice is concerned, it is clear that everything is done online, and the experts of these companies can be reached by email, phone or video.
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The stature of a financial investment advisor ensure seriousness and skills. All serious Internet companies have adopted the status of financial investment advisor (CIF): it enables them, after checking their skills, to distribute risky investments and places them under the control of the Autorité des marchés financial financiers, which do not mess. With poorly crafted savings plans. Another guarantee that can reassure you about the scope of the services offered: registration in Oras, in order to obtain the status of an insurance broker.
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Stock market, real estate, life insurance, tax arrangements: the scope is often very wide. Among the savings products most distributed by these online managers are multi-support life insurance and a retirement savings plan (PER). True, companies come up with specific contracts for them, offer a wide range of investment tools, with the help of lawyers, as a bonus, in drafting the beneficiary clause (this makes it possible to designate people who will collect savings in an account in the event of the policyholder’s death). But it also offers, depending on the client’s profile, Equity Savings Plans (PEA), funds to reduce taxes (FCPI, Sofica, land pools, etc.) or for regular supplemental income, particularly through SCPI’s.
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It comes from the commissions paid by the managers of the subscribed products. A wealth advisor may charge a fee for recommendations made or the tax study performed. But Internet companies rarely charge board fees, preferring to be offset by fees deducted from subscribed investments. This bonus takes the form of commissions repaid to them by mutual fund managers, life insurance contracts, and Profitability Rates (PER) or SCPIs. That means, depending on the situation, between 0.5 and 3% on payments, and between 0.10 and 0.40% on annual bills. Simple and economical formula for the customer.