[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.peti.sk\/je-financny-poradca-expertom-na-financie\/#Article","mainEntityOfPage":"https:\/\/www.peti.sk\/je-financny-poradca-expertom-na-financie\/","headline":"Je finan\u010dn\u00fd poradca expertom na financie?","name":"Je finan\u010dn\u00fd poradca expertom na financie?","description":"Zrejme ka\u017ed\u00fd sa u\u017e stretol s pojmom finan\u010dn\u00fd poradca, \u010di u\u017e v poz\u00edcii pracovnej alebo ako klient. N\u00e1zory na t\u00fato profesiu sa ale diametr\u00e1lne rozch\u00e1dzaj\u00fa.\u00a0Financie s\u00fa d\u00f4le\u017eit\u00fdm \u017eivotn\u00fdm aspektom, nie je sa preto \u010do \u010dudova\u0165, \u017ee si ich ka\u017ed\u00fd dobre str\u00e1\u017ei. Asi ste sa u\u017e stretli s ponukou na spr\u00e1vu Va\u0161ich financi\u00ed. Pozor si ale […]","datePublished":"2023-06-30","dateModified":"2023-06-30","author":{"@type":"Person","@id":"https:\/\/www.peti.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.peti.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"peti.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.peti.sk\/wp-content\/uploads\/kaminvestovat_2.jpg","url":"https:\/\/www.peti.sk\/wp-content\/uploads\/kaminvestovat_2.jpg","height":0,"width":0},"url":"https:\/\/www.peti.sk\/je-financny-poradca-expertom-na-financie\/","about":["Financie"],"wordCount":374,"articleBody":"Zrejme ka\u017ed\u00fd sa u\u017e stretol s pojmom finan\u010dn\u00fd poradca, \u010di u\u017e v poz\u00edcii pracovnej alebo ako klient. N\u00e1zory na t\u00fato profesiu sa ale diametr\u00e1lne rozch\u00e1dzaj\u00fa.\u00a0Financie s\u00fa d\u00f4le\u017eit\u00fdm \u017eivotn\u00fdm aspektom, nie je sa preto \u010do \u010dudova\u0165, \u017ee si ich ka\u017ed\u00fd dobre str\u00e1\u017ei. Asi ste sa u\u017e stretli s ponukou na spr\u00e1vu Va\u0161ich financi\u00ed. Pozor si ale mus\u00edme d\u00e1va\u0165 na to, komu zodpovednos\u0165 za svoje financie vklad\u00e1me do r\u00fak. Aj ke\u010f sa n\u00e1m to na prv\u00ed poh\u013ead zd\u00e1 ako hra so slov\u00ed\u010dkami, medzi finan\u010dn\u00fdm poradcom, sprostredkovate\u013eom alebo agentom je rozdiel.\u00a0Upresnime si teda, ako to v t\u00fdchto profesi\u00e1ch je a spravme si jasn\u00fd preh\u013ead o tom ako to vo finan\u010dnom poradenstve funguje. Pribl\u00ed\u017eime si rozdiely, ktor\u00e9 v sektore financi\u00ed s\u00fa, no nie ka\u017ed\u00fd sa v nich dok\u00e1\u017ee dobre orientova\u0165.Finan\u010dn\u00fd poradca pracuje na z\u00e1klade zmluvy, ktor\u00fa so svojim klientom sp\u00edsal. Jedn\u00e1 sa o poradensk\u00e9 slu\u017eby, poskytnutie odbornej pomoci, stanoviska alebo r\u00f4znych odpor\u00fa\u010daniach klientovi s n\u00e1sledn\u00fdm uzavret\u00edm zmluvy alebo jej zmenou. Finan\u010dn\u00fd poradca ale nem\u00f4\u017ee vykon\u00e1va\u0165 finan\u010dn\u00e9 sprostredkovanie. N\u00e1rodn\u00e1 banka Slovenska finan\u010dn\u00fdm poradcom ude\u013euje povolenie na vykon\u00e1vanie finan\u010dn\u00e9ho poradenstva.\u00a0Finan\u010dn\u00fd sprostredkovate\u013e pracuje na z\u00e1klade zmluvy, ktor\u00fa uzatvoril s finan\u010dnou in\u0161tit\u00faciou. Odmena za sprostredkovanie teda prebieha medzi in\u0161tit\u00faciou a sprostredkovate\u013eom. Napr\u00edklad medzi n\u00edm a bankou v pr\u00edpade \u00faveru, p\u00f4\u017ei\u010dky \u010di hypot\u00e9ky. Odborn\u00fa pomoc alebo inform\u00e1cie je opr\u00e1vnen\u00fd poskytn\u00fa\u0165 iba v rozsahu dan\u00e9ho produktu alebo k\u00f3dexu in\u0161tit\u00facie.\u00a0Ako posledn\u00e1 varianta prich\u00e1dza na rad obchodn\u00fd z\u00e1stupca. Naj\u010dastej\u0161ie s\u00fa to z\u00e1stupcovia nebankov\u00fdch spolo\u010dnost\u00ed. Sem rad\u00edme agentov, ktor\u00fd maj\u00fa na starosti svojich klientov a portf\u00f3lio produktov, ktor\u00e9 im pon\u00fakaj\u00fa. Ich prim\u00e1rnym cie\u013eom je sprostredkovanie poskytnutia p\u00f4\u017ei\u010dky. Aj svet finan\u010dn\u00fdch agentov m\u00e1 svoje pravidl\u00e1. Legislat\u00edva toti\u017e rozli\u0161uje tri druhy finan\u010dn\u00fdch agentov. Samostatn\u00fd, viazan\u00fd a podriaden\u00fd finan\u010dn\u00fd agent.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je finan\u010dn\u00fd poradca expertom na financie?","item":"https:\/\/www.peti.sk\/je-financny-poradca-expertom-na-financie\/#breadcrumbitem"}]}]