We know that with the help of an investment advisor, the chances of success are greater. However, one of the first questions that need to be resolved is: how to choose one? After all, we can't hand a lifetime's income over to the wrong hands, can we?
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Due to the lack of information, it is very common for people to confuse with the autonomous investment agent, however, their functions are completely different. Furthermore, one of the only models that most people have contact with or knowledge of is the one offered by bank managers, stockbrokers or investment advisors.
You can even benefit from this, however, these agents are only employees of banking institutions and cannot provide a complete consultation. On the other hand, the investment adviser has no connection with institutions and will be able to provide a more appropriate model. for the client, in addition to detecting the risks and advantages of each investment, providing some statistics to increase the benefits.
After discovering some of the benefits of finding an investment adviser, you need to know what they really do. He is a professional who has extensive knowledge in counseling and guidance on the best paths to be followed by those who wish to make an investment.
In addition, their service is completely personalized, no “cake recipe”. He can be both an individual and a legal entity, and act independently. As a result, there is no payment of commissions or bonuses on top of applications.
Its objective is nothing more than to reach the goals stipulated by the clients in a personalized way, as previously mentioned. In addition, it will provide guidance on the best decisions to be made according to the investor's profile, and will seek to understand the following questions:
After identifying the points above, the consultant will develop a financial plan with the presence of adequate investments, strategies, budgets and other necessary points.
And finally we come to the main point of our article, because, who knows, you already understood the concept and function of this professional, however, you are in doubt about how to choose one.
The main segments to watch are:
It is essential to review whether the consultant's documentation is correct. The procedure is carried out on the CVM website, just go to the “Quick Access” option (Consulta – CVM/Regulated General Register), inform the name or CNPJ/CPF.
The most relevant certifications for the investment adviser are:
One option is to check information and data, such as, for example, the time the individual works in this area on the LinkedIn page.
Check whether the chosen investment adviser works in its own research or in conjunction with qualified specialists.
A very important point is to know how the consultant will charge for his service and the way he will provide customer service, his availability, contact and many other relevant requirements.
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