Expat financial advisor in Namibia – that will be the topic of today’s article.
Compararé algunas de las opciones disponibles a nivel local, junto con otras más portátiles, en línea e internacionales, como las que nosotros ofrecemos.
Para cualquier pregunta, o si desea invertir como expatriado, puede ponerse en contacto conmigo utilizando este formulario, o a través de la función WhatsApp.
Tiene sentido tener una opción portátil como expatriado, frente a una localizada, y eso es algo en lo que nos especializamos.
Introducción
Namibia, located in southwest Africa, is the realest heaven on Earth. Home to two deserts, scenic coastlines and densely populated national parks, the country boasts unique wonders.
Tourists visiting Namibia and expats moving to Namibia are captivated by scenes such as the 75 miles (120 km) Etosha salt bath, the massive Fish River Canyon, or the endless red sand dunes at Sossusvlei. However, foreigners would be wrong to imagine a purely arid rural landscape with nothing more to offer.
Expats that are moving to Namibia may be really amazed by the country’s historical and cultural heritage – architecture, environment and lifestyle. Namibia was a former German colony, and after it was annexed by South Africa and was a South African province until 1990 when it get its independence.
As a result, the country’s capital, Windhoek, has preserved European-style buildings and food Culture appreciates beer and a good South African braai or barbecue. Usually expats who are immigrating to Namibia, stay in the capital – Windhoek, which is the country’s social, political, cultural and economic center, where most jobs are likely to be found.
Namibia’s economy is based mainly on agriculture and mining, in particular diamonds. Its many natural attractions have led to a flourishing tourism sector. Finding a job in Namibia can be difficult, however, as the government tends to hire locals rather than expats due to the country’s high unemployment rate.
Doing business in Namibia and the accompanying dress code is relatively formal, but communication is considered an important part of building a good working relationship. In business, English is the most spoken, along with Afrikaans and German. Thanks to its vast desert terrain, Namibia is one of the least populated countries in the world.
As a result, residents can easily leave the city for weekends to the more isolated areas of Namibia. While a big part of expats may choose a low-budget camping trip, luxury safaris are also offered for those who are looking for a splurge. Public transport is available, but the easiest way to get around Namibia is by road. The main roads are paved and in good condition, but expats looking to drive on more rural roads should consider a 4WD vehicle.
Caution should be exercised when driving at night as animals often cross roads in some areas. Access to health care in Namibia is vital, especially as the northern part of the country is at risk of malaria. The capital and some major cities have good health facilities with well-trained staff, but since treatment can be expensive, health insurance is recommended.
Namibia has both private and public hospitals, with the latter being more common and serving most of the country’s citizens. The level of public hospitals compared to private hospitals is below average in many areas.
Medical services are less frequent outside the main cities. Families of expats with children may be concerned about educational options. Education in Namibia is compulsory for children between the ages of 6 and 16. Both primary and secondary education in public schools is free, but fees may apply for uniforms, textbooks, dormitories, and school improvement fees. Most expat parents choose private schools.
The language of instruction in these schools is predominantly English, but there are also Afrikaans and German schools, as well as schools following an international program. Foreigners moving to Namibia probably won’t experience a huge culture shock. Namibian society is a mixture of traditions and cultures in an amazingly beautiful landscape. The people of Namibia must embrace the desert and all that it brings.
Reasons to move to Namibia?
Namibia is located in southern Africa and is a pretty interesting destination for expats.
In addition to the beautiful scenery, it offers a favorable business environment for expats who wish to settle here. The country is truly one of the leading emerging markets in Africa. In this way, job opportunities are available for skilled professionals and this is also an asset that attracts foreign investors.
Windhoek is the capital of Namibia and a real attraction for families. If you enjoy a an endless and amazingly gorgeous nature and are in searches for a more connection with the mother nature, there is no better place found in this world, than Namibia. In this article, you will find all the information you need to help you move to Namibia smoothly.
Clean, well-established cities bathe the wonders of the desert and wild coastal shores, making Namibia a truly attractive country to live in.
The lifestyle is generally laid-back and peaceful, with relatively few nightlife and nightlife options. Although Namibia is relatively safe, expats who are not well familiar with the country, choose to live in more protected areas, with most foreigners living in Windhoek.
- Peace, stability and good governance.
- Reliable road, rail and aviation infrastructure.
- Excellent telecommunications network.
- Stable working environment.
- Fast, efficient and transparent bureaucracy.
Life in Namibia
- Due to the high crime rate in Namibia, expats usually live in secured homes or areas.
- Windhoek has several international and private schools to choose from to educate your children.
- Namibia has both private and public hospitals, with private hospitals generally offering better services and more treatments.
- Long distance car travel is the most practical way to get around in Namibia.
As you can understand, Namibia is an enough poor country, and moving there in searches for a job is not the best option. Usually, those people who are moving to Namibia are investors or rich people, who want to make business, or invest in property of the country to get high returns.
And to do that properly, sometimes very experienced investors may need the help of a financial specialist, who can be their financial advisors. Because Namibia is by far not the UK or the United States, or another European country. It may have its difficulties, its tax rules, and other factors that a foreign investor may not know.
That is why in this article we will talk about a very modern and important profession of these days, which is a financial advisor. Who is a financial advisor and how he can help you, we will find out below.
¿Quién es un asesor financiero?
A financial advisor (or financial advisor in some countries) is a certified investment professional who provides financial advice to clients to help them achieve their long-term financial goals for a fee. Financial advisors provide many different services such as investment management, tax planning, insurance, mortgages, retirement planning, and more. Some financial advisors may be paid a fixed fee, while others are paid a commission on the amount invested, depending on the applicable laws of the country in which they work.
Un asesor financiero ayuda a los clientes a fijar objetivos financieros realistas y les proporciona asesoramiento objetivo para ayudarles a alcanzarlos. Ayudan a organizar los activos financieros de forma que mejore el bienestar financiero del cliente.
The term financial advisor is used in a broader context to refer to different types of financial professionals such as stock brokers, insurance agents, real estate managers, risk managers, tax and financial planners. A financial advisor can also be called an investment advisor, financial planner, or investment advisor.
¿Qué hace un asesor financiero?
Los asesores financieros evalúan las necesidades financieras de sus clientes y les proporcionan asesoramiento profesional sobre inversiones a corto y largo plazo. El asesor financiero analiza las opciones de inversión con la pareja.
Los asesores financieros personales suelen hacer lo siguiente:
- Organizar reuniones con los clientes en persona para hablar de sus objetivos financieros.
- Responder e informar a los clientes sobre las opciones de inversión y los riesgos potenciales
- Ayudar a los clientes a planificar circunstancias específicas, como el gasto en educación o la jubilación.
- Realizar un seguimiento de las cuentas de los clientes y determinar si es necesario realizar cambios para mejorar el rendimiento de la cuenta o adaptarse a cambios en la vida como casarse o tener hijos.
- Buscar oportunidades de inversión
Aunque la mayoría de los asesores financieros ofrecen asesoramiento sobre una amplia gama de temas, algunos se especializan en áreas como la jubilación o la gestión de riesgos.
Después de haber invertido, el cliente debe recibir informes de inversión periódicos elaborados por su asesor financiero. Supervisan la inversión del cliente y se reúnen con él al menos una vez al año para informarle de posibles inversiones. Pueden ajustar el plan financiero durante este tiempo debido a cambios en las circunstancias del cliente o debido a cambios en las opciones de inversión.
Algunos asesores financieros están autorizados a comprar y vender directamente productos financieros como acciones, bonos, seguros y otros valores. Dependiendo del acuerdo que tengan con sus clientes, los asesores pueden tener el permiso de los clientes para tomar decisiones sobre la compra y venta de acciones y bonos.
Asesores financieros locales
La diferencia entre un asesor financiero local y otros tipos de asesores financieros radica en realidad en la diferencia entre el enfoque de los servicios profesionales y el enfoque de un producto específico. Por supuesto, una gran experiencia local es una ventaja.
Hiring a local consultant has one key advantage: you can meet with someone who will advise you according to the rules of a particular place, in this case according to the rules of Costa Rica.
Muchas empresas no pueden permitírselo. Esté o no de acuerdo con los negocios virtuales, seguro que hay situaciones en las que siente la necesidad de reunirse y hablar con alguien que le dé estrategias y consejos valiosos.
Otras empresas de asesoramiento financiero suelen distribuir su carga de trabajo en distintos departamentos. Lo más probable es que su “asesor” sea un gestor de cuentas que actúa como amortiguador entre usted y algunas de las otras personas del back office que realmente hacen el trabajo.
Su “planificación” probablemente provenga del departamento de planificación; su análisis de inversiones muy probablemente provenga de un analista que está muy lejos de lo que realmente importa en su vida, y los que realmente aplican la estrategia suelen verle a usted sólo como un montón de “compras” y “ventas” que hacen cada día de compras. Sencillamente, no podrá reunirse con un verdadero “asesor” porque estas responsabilidades se han repartido entre varias personas en distintas oficinas.
Por otro lado, debería poder reunirse con un asesor si elige una consultora independiente orientada a los servicios. De nuevo, contratar a un asesor financiero local es opcional, pero para la mayoría, las reuniones cara a cara aportan multitud de ventajas.
La mayoría de los asesores de grandes empresas financieras, como los bancos, recibirán una parte o la totalidad de la remuneración por venderle un producto, ya sean acciones, bonos, fondos de inversión, pólizas de seguros o rentas vitalicias.
This creates an inevitable conflict of interest. The securities laws in this country recognize this fact and require these “advisors” to be at a lower level. This is called the “suitability” standard, which means they only need to consider whether the products they sell are suitable for your broad investment profile.
The highest standard is the “fiduciary” standard. An independent consultant, whether online or local, who agrees to abide by this standard is required by law to always put your interests first.
These consultants never sell products, take commissions, or do anything else that might cause a conflict of interest. They weigh all the factors in your situation before making any recommendations. Their advice is 100% objective. Whether you are hiring a local consultant or not, remember that they are objective and always prioritize their clients. Speaking of online financial advisors, let’s talk a little about them.
Asesores financieros en línea
Los asesores financieros en línea han ido ganando popularidad a lo largo de los años y por diversas razones.
Una de las primeras razones por las que la gente empezó a trabajar con asesores financieros virtuales fue para ganar tiempo en los viejos tiempos, ya que no tenían que coger el coche o sentarse en el tráfico para reunirse con su asesor financiero cuando la llamada telefónica está en curso. o reuniones de Zoom. no importa.
Para las personas que viajan con frecuencia o tienen previsto trasladarse a otra parte del país (o vivir en el extranjero), trabajar con un asesor financiero en línea también garantizará que su relación no termine dondequiera que esté.
Quizá el avance más significativo que acelera la tendencia hacia el asesoramiento financiero virtual es la capacidad de los asesores financieros para especializarse en un nicho que sería poco práctico si se limitaran a trabajar con clientes de su ciudad.
De este modo, tendrá la oportunidad de contratar a un asesor financiero que comprenda realmente sus necesidades individuales, basándose en su formación, experiencia y compromiso para ayudar a personas como usted.
Geographical location
Los inversores que buscan contratar a un asesor en ciudades con un alto coste de la vida a menudo tienen dificultades para encontrar un asesor asequible o que les acepte como clientes si no cumplen los requisitos basados en su patrimonio mínimo.
Tener una relación virtual permite a los inversores de, por ejemplo, San Francisco o Nueva York, contratar a un asesor en Delaware o Mississippi que probablemente sea más accesible y tenga un patrimonio mínimo declarado más bajo, aunque tengan la misma experiencia y nivel. de servicios.
In time advisory – without delays
Los profesionales que trabajan duro cobran buenos sueldos, pero a menudo no encuentran un consultor que esté disponible cuando ellos lo están: fuera del horario de oficina. Un consultor online no suele estar limitado a las horas de “oficina” y ¡puede ponerse en contacto contigo cuando lo necesites!
En épocas de intenso estrés financiero, a menudo no basta con revisar el plan anual. Como inversor, lo más probable es que prefiera disponer de sus planificadores o asesores financieros durante todo el año.
The client / consultant relationship is not a set-and-forget relationship, but rather an ongoing dialogue. This includes ongoing text or email conversations, which are much more convenient than scheduled face-to-face meetings once a year.
Documentación en línea
La planificación financiera requiere realmente muchos documentos diferentes. Quienes reciban asesoramiento básico sobre planificación financiera encontrarán fácilmente cientos de páginas de documentación de asesoramiento.
Habrá muchos documentos que también requerirán su firma. Como asesores financieros online, aprovechamos los avances tecnológicos, ya que existen muchas nubes y plataformas seguras que almacenarán sus datos financieros. Por lo tanto, podemos enviarle de forma segura todos estos documentos online por correo electrónico.
¡Pero lo más increíble es la posibilidad de poner una firma electrónica! Utiliza unos pocos clics para firmar documentos para dar la vuelta a tu superusuario, personalizar archivos adjuntos y poner en marcha el Plan B.
Todos estos documentos se publicarán de forma segura en un portal en línea al que sólo tendrán acceso usted y su asesor financiero en línea.
Muchas personas pueden abordarlo con escepticismo, lo que también tiene su explicación. Se trata de un concepto relativamente nuevo y es difícil que la gente se acostumbre a algunas de las cosas que también se pueden hacer en una plataforma en línea, pero es una gran herramienta que le ahorra tiempo y beneficios en primer lugar.
Benefits of Hiring a Financial Advisor
There are many advantages to hiring a consultant who can help you make serious investment decisions, use the right banks, help you plan for your retirement, and more. Let’s take a look at some of the benefits.
Recibirá orientación profesional
While it’s best for you to decide how you want to manage your finances, getting advice from financial advisors can be a good idea. These specialists have completed several trainings and are highly qualified. Moreover, with years of experience, they can better advise you on where to invest at the moment. This is due to the fact that they have dealt with various financial problems and are therefore highly aware of what works and what does not, based on the individual needs and goals of each person.
You can say goodbye to your tax problems
Huge amounts of taxes on investments and assets can surpass the very purpose of their ownership. A good financial advisor understands this and organizes your finances in such a way that your tax expenses are kept to a minimum. High taxes mean low profits. Even seemingly promising investments can turn out to be the wrong decision due to the taxes associated with them. An independent financial advisor will help you here. They will not only help you reduce taxable income, but they will also keep you updated with the latest tax laws and amendments.
Podrás beneficiarte de su capacidad de investigación
The role of an independent financial advisor requires them to be active researchers. In-depth research across different industries, sectors and markets helps them stay competitive. They are knowledgeable about various sectors, financial markets, risks, applicable laws, tax regulations, and other areas of financial management. That way, when you approach them with your problems, they will be well prepared to help you make informed decisions. This, in turn, will help minimize investment risks.
Puede contar con ellos para gestionar sus finanzas
In a fast and progressive world, you already have a lot to do. Even though you want to, you may find it difficult to carve out time in your busy schedule to manage your finances. With a financial advisor by your side, you don’t have to worry about your money. These professionals use their skills and experience to make your money good. While you work, financial advisors can make your money work for you. They will take on a wide range of economic issues and responsibilities on your behalf and find the best ways to create wealth.
You can benefit from their experiences and views
Financial advisors not only have many years of experience, but also have a clear point of view. They analyze your financial decisions from a long-term perspective, which is a must for a successful investment. They also balance your decisions and help make sure emotions don’t impact your ROI.
Sus archivos adjuntos se comprobarán periódicamente
The importance of analyzing your investments cannot be overstated. It is only when you track the performance of your investments that you know how well they are meeting your goals. An independent financial advisor tracks your investments and sends you regular reports. They can also tell you better if you should keep investing or withdrawing funds based on their market revise.
Adam is an internationally recognised author on financial matters, with over 316.3 million answers views on Quora.com and a widely sold book on Amazon
