有做financial planner的么

belanddolly

michael128 发表于 2013-10-23 08:55
那如何知道他们卖给你的是最适合你的产品，还是他们可以拿到最多佣金的产品呢？
因为sales的建议一般都bi ...

确实是啊。我认识一个大妈。被一个COMMONWEALTH银行里面的planner忽悠的把中国股市里的钱拿出来，投了这边commonwealth旗下的一个什么基金。结果现在还赔着呢。

你说的是sales普遍的通病，就像卖房的sales也是一样啊，真正能有几个为你考虑的，不都是那个楼盘给的commission多，就把客人往哪边推。要是真为你着想的sales，90%也是知道你还有可能再买一套，先推个好的楼盘给你，commission低点没有关系，关键是让你尝到甜头，等你出手再买第二个楼的时候，就很坑一笔。

人不为己天诛地灭吗

michael128

belanddolly 发表于 2013-10-23 09:41
确实是啊。我认识一个大妈。被一个COMMONWEALTH银行里面的planner忽悠的把中国股市里的钱拿出来，投了这 ...

既然financial planner不能客观的站在顾客的角度为顾客着想，那花钱找financial planner的意义何在呢？

corn827

you can discuss freely in my post. Although I don't really agree on some of your opinions but okay, people do vary. So there is no such things like all Financial Planner don't care about the customers.

corn827

tas 发表于 2013-10-23 09:35
能私信吗？我很感兴趣的就是：
1.   1百万的life 和 TPD.
2,   转super过去不收费。

normally the entry fee for most superannuation companies are with no entry fees. however there does an exit fee apply. So it depends on what superannuation you are on now. As when you rollover your super that'll depend. If you are interested in financial advice, we can run through your scenario. Also place the best strategy for your superannuation portfolio as well. Access to superannuation investment portfolio and insurance are expert advices so may be better to be analysed based on your own circumstances. How does this sound to you?

tas

corn827 发表于 2013-10-23 11:27
normally the entry fee for most superannuation companies are with no entry fees. however there doe ...

没冒犯的意思啊。但是会不会发生这种情况，你找几个不同的finance planer，结果他们给推荐不同的super和保险公司

corn827

tas 发表于 2013-10-23 11:32
没冒犯的意思啊。但是会不会发生这种情况，你找几个不同的finance planer，结果他们给推荐不同的super和 ...

If I were you, I wouldn't bother with this question because I will just stick with one. Otherwise if you seek advices from different FP they will give you multiple choices. It will be like wearing lots of watches and don't know the accurate time. So better stick with one.

tas

corn827 发表于 2013-10-23 11:36
If I were you, I wouldn't bother with this question because I will just stick with one. Otherwise  ...

对阿。但是既然有multiple choice，那又如何证明某个是最好的呢？总不成都是最好的吧。

corn827

tas 发表于 2013-10-23 12:06
对阿。但是既然有multiple choice，那又如何证明某个是最好的呢？总不成都是最好的吧。 ...

Well that's on you because for each FP plan you will cost money. Normally it is friend's reference or your own judgement that help you make the decision.

yanyangtian

tas 发表于 2013-10-23 08:35
能私信吗？我很感兴趣的就是：
1.   1百万的life 和 TPD.
2,   转super过去不收费。

有钱人

yanyangtian

corn827 发表于 2013-10-23 07:40
是华人公司还是本土公司？感觉怎么样？公司financial adviser多吗？

本土公司，最大的那个，昨天看新闻说REST得了个什么AWARD，据说它的回报率居然有17%以上，呵呵。比我现在的公司强，我公司，挺黑的，收费太高。公司里的ADVISER一堆一堆，很多是驻在在各郊区的PRACTICE.还有许多什么联合的LICENSEE

corn827

yanyangtian 发表于 2013-10-23 12:37
本土公司，最大的那个，昨天看新闻说REST得了个什么AWARD，据说它的回报率居然有17%以上，呵呵。比我现在 ...

How's the business now? How many years of experience on average do you reckon. How did you get the job as the admin?

tas

yanyangtian 发表于 2013-10-23 12:34
有钱人

保100万的保额而已。不是100万现金要去找他们理财。

yanyangtian

tas 发表于 2013-10-23 12:29
保100万的保额而已。不是100万现金要去找他们理财。

哦，我看错了。我以为你SUPER里有100万