Integrity and Financial Advisers

Your advisor or planner is honest and 100% honest? Insist that he garnishes your mutual fund or securities portfolio with NO link to his firm. Neither directly nor indirectly. In case you do not know, when you first issue a security, a policyholder must promise a minimum sale in their network. The order ends up going to the customer, in the form of a “wonderful opportunity not to be missed”!

To prevent you from passing p’tites speed, here in my opinion, the guarantees of greater objectivity in financial advice. By closely monitoring these 5 categories of risk, you ensure maximum control over your business.

Distributing financial products

cash

It starts with a sorting among the companies distributing financial products. Distributors and trustees must have a superior credit rating synonymous with financial strength. Few institutions receive AM Best, Standard and Poors and Moody’s ratings. When they have them, we must remember the best evaluated. It’s exactly like us when applying for a loan. They demand our credit rating, do the same!

The distribution between the companies of distributions, management styles and asset class (Shares, Bonds, liquidity …). RBC, Sunlife, Fidelity, CIBC, TD, Industrial-Alliance, Manulife, AIM, BMO … Retain the big brands in your portfolios by focusing on their specialty. Watch out for the scatter!

Taxation being a risk

Taxation being a risk

Taxation being a risk in itself, you should not pay more tax than you should. Meticulous attention must be paid to the income category that your investments will generate. Even if you are very cautious, you have to look for ways to reduce your tax burden on investment income. In this regard, many institutions and large managers are lagging behind. They show nice gross yields, but in our pockets, there are less! We live in a NET world, NET after all. Net of fees and NET tax must be a major criterion to remember.

Specialists in their categories

Taxation being a risk

It’s nice the stock broker of the bank. He sells, buys and puts options for sales and purchases and tries full of beautiful combinations. But what is its average score of the last decade? Is he practicing with your assets? Why TRY stuff when others have already proven themselves! Institutional managers, pension funds, wealth, foundations and mutual funds abound in the industry. They are specialists in their categories, whose returns have a proven history of more than 10 years. Some have the distinction of doing on average better than their peers with less volatility. Independent statistical data and verified evidence must be provided. The past is not guarantor of the future, but with the horrible past we have just lived … we can see more clearly and observe the know-how!

Independent advisor

Supervision, rebalancing, updates and transactions must be initiated by an independent advisor. It is neither employed by the great institutions mentioned above, nor encouraged to favor one over another. The independent advisor is a professional registered with the Good Finance, in the file without task. His privilege to advise you in your investment choices is conditional on the maintenance of professional liability insurance in case of errors or omissions. He is NEVER made a check directly, but only to the distribution firms he has chosen to build your wallet

Borrow money without BKR review Belgium

Is your bank account empty and do you need the money quickly, but do you have a BKR registration in your name? Now you can borrow money without BKR review Belgium! If you are in need of money, even if it is just for a while, you want to have it remedied quickly. In the Netherlands, however, applying for a loan at the bank takes weeks and the question is whether you can take out it at all. Borrowing money without BKR testing Belgium is therefore a good alternative!

Borrowing money is not difficult, but many people are not aware of this enough.

Borrowing money is not difficult, but many people are not aware of this enough.

If you run out of money to pay this month’s bills, or you want to book a weekend away, people go to the bank to try and take out a loan. Applying for a loan from the bank, however, is a bad idea if you need the money quickly because they check all sorts of rules and procedures before you qualify. This takes a lot of time and effort and moreover you don’t have much choice. However, you probably never thought of the possibility to borrow money without a BKR assessment in Belgium! Instead of applying for a loan from the bank, you have to look for the solutions via the internet. Here, Dutch and Belgian lenders offer online loans that can be arranged in no time. Because it is also possible to also take out a mini-credit with Belgian loan providers, you have a lot more choice from different providers and you can therefore better choose an online loan that suits you.

Borrow money without BKR review Belgium via the internet

Borrow money without BKR review Belgium via the internet

Borrowing money without a BKR check You can do Belgium via the internet. Nowadays you don’t even have to leave the house to arrange a loan. Everything can be arranged online. Online loan providers are therefore active in both the Netherlands and Belgium, from which you can choose. It is advisable to compare several lenders with each other, because the conditions may differ per provider and one type of loan fits better with your financial situation than another. Moreover, they do not have a BKR in Belgium, which makes borrowing a lot easier, even if you have a BKR registration. If you want to take out a mini-loan with a Belgian provider, you only have to state why you chose to take out a loan in Belgium. Furthermore, it is very simple and you only have to fill in an online form on the website with your details and the desired amount. At most flash loan providers you can borrow between 50 and 1000 euros. If you have filled in everything, you will receive a text message within a few minutes confirming your request and the money will often be deposited into your account the same day! Borrowing money without BKR review Belgium makes borrowing a lot easier and faster. Moreover, you do not even have to leave your house to arrange this. So do you need money quickly, and do you want to borrow 100, 200 or maybe 800 euros? Borrowing money without a BKR assessment You can do Belgium in 10 minutes!