Playa del Ingles Gran Canaria: Banks advise catastrophic
If it says in the school itself is hard, "or the work product is" was always ready "means that one is not equal to the demands. Exactly how to describe the situation that is encountered in counseling sessions in the banks, if a sample of foundation trusts Warentest.
In 147 Constitution talks This summer, 21 banks should show how good is their advice. The task was simple. The test customers were the target in the call, to want to invest 30,000 euros risk five years. The required rate of return is specified by four percent, with deposits guaranteed fixed interest rate products of the banks was not feasible.
The first hurdle was thus to educate the customer about it, that their expected return with their safety-conscious investment profile was not possible. Only four banks were able to do so.
The results of consultation have product recommendations have come out with deposit insurance, such as time deposits and savings bonds to assist in the evaluation of the Stiftung Warentest to score points. The investment in securities of the covenant was positive.
The actual recommendations in most conversations were, however, very different. As a "blatant blunder" sees the Stiftung Warentest here such as the purchase of an equity fund for a client who wants to invest his money five years. Equity funds were recommended by the Berlin Savings Bank and Deutsche Bank.
BW Bank put the customer as a raw material blending funds to his heart, Sparkasse Pforzheim Calw even recommended an investment in gold.
recommended In a second field, the bank consultant offensive products that are unsuitable for the customer, but expect the consultant a nice commission. When Ostsächsische Savings Bank and in the Sparda-Bank West Berlin and tried to turn the customer annuities. These are due to 2.25 percent guaranteed interest safe but because of the costs, the yield only about one percent per year.
squinted up-front commission on the investment adviser at Deutsche Bank. They recommended the test clients concluding a savings agreement. The cost from the outset until completion fee € 480.
The credit offered to guarantee the other hand, like certificates of DZ Bank. These are supported by the Stiftung Warentest as too complex and not judged suitable for the customer. Many banks also recommended the purchase of balanced funds, shares and Bonds has. Postbank and Dresdner Bank tried the in-house asset management products strike, which are created as a fund of funds.
Given the fact that in the last twelve months 13 real estate funds temporarily withdrew, no further units and some losses attributed, holds the Stiftung Warentest also this type of product for a security-conscious investor with an investment horizon of five years for unfit. Open-ended property fund was recommended by consultants, preferably of the People's Bank and Postbank.
bottom line shows the counseling situation in the banks, a year after the bankruptcy of U.S. bank Lehman in a catastrophic state. The best grade was awarded with a 3.4 just so satisfying. The bank manager to go negligent in determining the status and inform customers about products poorly and the associated costs.
In 147 Constitution talks This summer, 21 banks should show how good is their advice. The task was simple. The test customers were the target in the call, to want to invest 30,000 euros risk five years. The required rate of return is specified by four percent, with deposits guaranteed fixed interest rate products of the banks was not feasible.
The first hurdle was thus to educate the customer about it, that their expected return with their safety-conscious investment profile was not possible. Only four banks were able to do so.
The results of consultation have product recommendations have come out with deposit insurance, such as time deposits and savings bonds to assist in the evaluation of the Stiftung Warentest to score points. The investment in securities of the covenant was positive.
The actual recommendations in most conversations were, however, very different. As a "blatant blunder" sees the Stiftung Warentest here such as the purchase of an equity fund for a client who wants to invest his money five years. Equity funds were recommended by the Berlin Savings Bank and Deutsche Bank.
BW Bank put the customer as a raw material blending funds to his heart, Sparkasse Pforzheim Calw even recommended an investment in gold.
recommended In a second field, the bank consultant offensive products that are unsuitable for the customer, but expect the consultant a nice commission. When Ostsächsische Savings Bank and in the Sparda-Bank West Berlin and tried to turn the customer annuities. These are due to 2.25 percent guaranteed interest safe but because of the costs, the yield only about one percent per year.
squinted up-front commission on the investment adviser at Deutsche Bank. They recommended the test clients concluding a savings agreement. The cost from the outset until completion fee € 480.
The credit offered to guarantee the other hand, like certificates of DZ Bank. These are supported by the Stiftung Warentest as too complex and not judged suitable for the customer. Many banks also recommended the purchase of balanced funds, shares and Bonds has. Postbank and Dresdner Bank tried the in-house asset management products strike, which are created as a fund of funds.
Given the fact that in the last twelve months 13 real estate funds temporarily withdrew, no further units and some losses attributed, holds the Stiftung Warentest also this type of product for a security-conscious investor with an investment horizon of five years for unfit. Open-ended property fund was recommended by consultants, preferably of the People's Bank and Postbank.
bottom line shows the counseling situation in the banks, a year after the bankruptcy of U.S. bank Lehman in a catastrophic state. The best grade was awarded with a 3.4 just so satisfying. The bank manager to go negligent in determining the status and inform customers about products poorly and the associated costs.
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