理财规划的风险管理幻灯片.ppt

* * We now know what risk profile you are taking on. Now, it may be that we get down to the risk and you say “now hang on a minute (Mr Adviser) I’m not comfortable with international shares”, or “I’m not comfortable with Australian shares” but straight away you know that if you make any adjustments at the risk end you need to make similar adjustments at the lifestyle end. * * * * We understand that for a financial planners to provide quality financial advice, they cannot a jack-of-all-trades. How can they focus on clients if they have to construct portfolios, select fund managers, monitor markets and review portfolios? At ipac our advisers are financial planners, not investment managers. We outsource our portfolio management to the experts. The financial planner’s role is to provide clients with an investment framework and to help clients make sensible investment decisions. * When talking about the periodic review of long term SAA, mention (without overemphasising) the slight change in weightings in January and May. * We understand that for a financial planners to provide quality financial advice, they cannot a jack-of-all-trades. How can they focus on clients if they have to construct portfolios, select fund managers, monitor markets and review portfolios? At ipac our advisers are financial planners, not investment managers. We outsource our portfolio management to the experts. The financial planner’s role is to provide clients with an investment framework and to help clients make sensible investment decisions. * How we will help you - we will help you keep the faith (you know why you need it - to achieve your lifestyle) * * * * 理財規劃顧問的定位 顧問的演進過程 顧問的能力 客戶得到的結果 產品銷售者 了解商品 滿意 專家 信任 知道正確的答案 了解商品 夥伴/嚮導 充分倚賴 知道正確的問題 知道正確的答案 了解商品 是顧問，不是投資經理人 管理客戶行為，不只是管錢而已 不判讀市場短期變化，挑選熱門商品 專業與道德贏得客戶的信賴 理財規劃顧問的定位 完全參與(Involve) 知道發生了什麼(Informed) 掌握自己的未來(In control) 為客戶創造的價值 職業道德 溝通能力 規劃能力 作業流程效率化及標準化 資產配置與篩選管理公司 顧問成功的要件 客戶忠誠度高 管理客戶大部份資產 在客戶同意下收入更高 理財規劃顧