Expat financial advisor in Madagascar part 2 – Part one is aquí.
What is the difference between a local financial advisor and an online advisor?
To understand this, you must continue reading, we will go over each type and give you a clear idea of what you will need in Madagascar.
Asesores financieros locales
La diferencia entre un asesor financiero local y otros tipos de asesores financieros es, en realidad, la diferencia entre un enfoque de servicios profesionales y un enfoque de productos específicos. Por supuesto, una gran experiencia local es una ventaja.
Contar con un asesor financiero local ofrece una ventaja fundamental. Elegir un asesor financiero local le permite reunirse con alguien que le asesorará sobre las normas de un lugar concreto.
Las empresas nacionales no pueden permitírselo. Aunque usted se sienta cómodo haciendo negocios en línea, inevitablemente habrá ocasiones en las que querrá reunirse y hablar sinceramente con la persona que le asesora.
Otras empresas de asesoramiento financiero suelen distribuir su carga de trabajo entre 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 de la oficina 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.
On the other hand, you should be able to meet with a consultant if you choose an independent service-oriented consulting firm. Again, hiring a local financial advisor is optional, but for most people there are many benefits to having in-person meetings.
Most “consultants” to large financial companies, such as banks, will receive some or all of the compensation for selling you a product, be it stocks, bonds, mutual funds, insurance policies, or annuities.
Esto crea un inevitable conflicto de intereses. Las leyes de valores de este país reconocen este hecho y exigen a estos “asesores” un nivel inferior. Esto se denomina norma de “idoneidad”, lo que significa que sólo tienen que considerar si los productos que venden son adecuados para su amplio perfil de inversión.
La norma más estricta es la “fiduciaria”. Un asesor independiente, ya sea online o local, que acepte cumplir esta norma está obligado por ley a ponerle siempre a usted en primer lugar.
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 hire a local financial advisor or not, what really matters is that he is objective and puts his clients first. Speaking of online financial advisors, let’s talk a little about them.
Asesores financieros en línea
This is what we can offer you, just fill in this formulario and see your funds being properly managed.
This is by far the best option. The concept of having a financial advisor on the Internet is a relatively new concept.
This is a model that has successfully proven itself in all developed countries. Generations X and Y are used to interacting with people on the Internet. Whether you share selfies with friends and family on Facebook and Instagram, or via Skype video calls, we are open to daily online communication with those who matter to us.
So here’s the question: if your friends and family are online, why isn’t your financial advisor?
Here are some of the benefits of an online financial advisor that will give you an idea of the benefits of a financial advisor who uses technology and wants to contact you.
Cheaper prices
One of the biggest benefits of having an online financial advisor is cost. Financial advisors and other service professionals typically own and rent trendy offices in upmarket locations. The luxurious offices you see can certainly make a good first impression, but they are also very expensive. And you pay for it. With an online financial advisor, your office is your own couch and laptop.
We do not need to rent fancy offices – we need a beautiful site with useful information, it will be cheaper than the services of a bank or local financial consultants!
If you are currently working with another financial planner, we highly recommend that you revise and compare the commissions you pay with ours.
We can provide you with quality advice from the comfort of your own home and we are quite confident that we can do it cheaper.
Real person
When people hear about online financial advisors, they immediately imagine robots. It doesn’t sound good anyway, because no one wants to trust a robot with their funds.
There are also articles showing the disadvantages of the “robo-advisor”. An advisor robot will not be able to help you when the markets are crashing or when you need to demand your Plan B.
With us you can be sure that you are working with a real person who has real families and real qualifications in the field of planificación financiera.
It is important to note that you are working with people who have work experience and understand that working with money is a very emotional thing that requires a human factor.
The comfort of your own home
Today we all value comfort and time, because time is money. You can talk to a financial advisor online from the comfort of your home! You don’t have to get in your car and try to find parking.
No need to board crowded public transport. We can meet you wherever you have time, in a taxi, in the kitchen while eating, in the office, on the beach in the Maldives or if you need advice. If you have a gadget that can be connected to wi-fi, we can advise you.
Documentación en línea
Financial planning requires a LOT of documents. Those who receive basic financial planning advice will easily have over 200 pages of documentation with the advice provided.
There will be many documents that will also require your signature. Where do you keep all this documentation? Especially if you love to travel?
As an online finance consultant, we are taking advantage of technological advances. Therefore, we can safely send you all these documents online by email.
But the most interesting thing is that you can put your electronic signature! Use a few clicks to sign documents to flip your superuser, customize attachments, and implement 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.
Mucha gente puede abordarlo con escepticismo, lo que también tiene su explicación. Es un concepto relativamente nuevo y a la gente le cuesta acostumbrarse a algunas de las cosas que también se pueden hacer en una plataforma en línea, pero es una gran herramienta que te ahorra tiempo y beneficios en primer lugar.
Have you already chosen what type of financial advisor do you need?
¿Le duele la indecisión financiera? ¿Quiere invertir con Adam?
Adam es un autor reconocido internacionalmente en temas financieros, con más de 336,6 millones de respuestas vistas en Quora.com y un libro muy vendido en Amazon.
