Investment advisor (Beleggingsadviseur)
Information on this skill...
An investment advisor is a financial advisor who specializes in investing. Investing can best be described as investing in certain things with the aim of building up money and/or capital. Investing should be seen very broadly because there are many different ways of investing. What exactly someone wants to invest in is generally personal. An investment advisor is therefore a specialist in the investment field, which in turn can relate to different fields. In general, the work of an investment advisor will consist of informing clients, including monitoring investments for the clients. An investment advisor therefore gives advice to his or her clients on how best to invest their money. The advisory work of an investment advisor is very important because not all clients want to take the same amount of risk. Giving investment advice is therefore, in many cases, tailor-made because not everyone wants to take the same amount of risk. Personal circumstances also play an important role in selecting a suitable investment. Consider, for example, the duration, certain guarantees or risks, which are a decisive factor for the customer. There are many people who have a small or large capital at their disposal and have it in the bank at a low-interest rate. If someone wants to achieve more return on their equity, they will have to invest in one way or another. An investment advisor therefore provides investment advice to individuals and/or companies about possible suitable investments. Depending on the provision of services, an investment advisor may fall under the supervision of the AFM. This depends on the capital that someone wishes to invest. There are many different investment advisors active within the investment world.
An investment advisor is therefore a financial advisor who in some cases can also be classified as an asset manager, but this can differ per investment advisor. In order to achieve a good return on equity, a considerable amount of knowledge is needed, and this certainly depends on current and future economic developments. As an investment advisor, building a relationship of trust with a potential client is very important. Unfortunately, people often underestimate the risks involved in investing and look at the promised high returns rather than realistic returns. It is therefore wise in many cases to talk to an investment advisor and explain any wishes so that the advisor can help to make a wise decision.
Making the right choice to invest in something is often not easy. The trade-off is also different for everyone because everyone has different requirements for an investment. For example, it may be that someone only wants to make a return on equity and otherwise wants nothing to do with it. For these types of people, for example, investing in shares can be appropriate advice. Those who want to take more risk can, for example, invest in seagoing vessels or in real estate projects. Wanting to determine the highest return is obviously not without risk. A good investment advisor should therefore definitely keep an eye on the financial situation of clients. The financial situation will largely determine which risks can be taken. An investment advisor may also be active as a mediator or as an intermediary.
INVESTING IN REAL ESTATE
There are also plenty of people who make the choice to invest in something because they understand the dangers and understand a certain industry. For example, there are a lot of people who invest in real estate. There are also safe and less safe choices to be made when investing in real estate. The more return one wants, the higher the risk often is. Choosing an investment often depends on the person and their assets. Not everyone can and wants to take the same risks. For example, project development can generate a lot of money, but the risks are often very high. For example, a student residence is often relatively safe to invest in, but the returns on equity are therefore not super high. Also, the management of a student residence is often intensive compared to the revenues and there are regular mutations. Nevertheless, investing in this is usually interesting because the students pay the mortgage and when they sell the house, the prices may have risen.
When someone has more capital and wants to take greater risks, they will also look at other types of real estate, such as offices or shops. These types of investments often yield more returns, but are also riskier. If a tenant can no longer pay, they must, of course, be able to absorb this. Renting out an office or shop usually takes a lot of time. The landlord must be able to absorb this vacancy. This is also the reason that the broker and landlord demand various guarantees from the tenant, such as a bank guarantee of three months and perhaps turnover figures.
INVESTING ART
Investing in other valuables can also be interesting, such as in old paintings or in antique silverware. But also when investing in art, there are often disadvantages, such as the storage of the art and its insurance. Anyone who has valuables in their home must insure them against theft or fire. In order to be able to insure these, valuation reports will often have to be made, and the insurance will often have many requirements with regard to the security of the art or antique objects.
INVESTING IN PRECIOUS METALS
You can also invest in other ways, such as in gold, silver or art. Here, too, someone's choice is very personal, and the considerations are different for everyone. For example, having precious metals is not completely carefree because the price can fluctuate quite a bit and precious metals also have to be stored and insured in a good way.
GOOD INVESTMENT
What someone sees as a good investment is personal, and is different for everyone. For example, one person only wants to own shares and the other only wants real estate. An advantage of shares can be that they can be sold quickly. The property owner can invest in real estate because this cannot evaporate, as is the case with shares. The disadvantage of real estate is that it is often not easy to sell. Those who prefer to invest on the stock exchange must have a lot of knowledge of investing on the stock exchange, and be able to withstand the tension of stock market price changes. Staying on top of financial markets is very important as an investment advisor. An investment advisor is usually also responsible for the administrative handling. A good investment is often a long-term investment.
WHAT DOES AN INVESTMENT ADVISOR DO:
TRAINING TO BECOME AN INVESTMENT ADVISOR
Those who want to work as an investment advisor can choose from various training options that can be different in nature and level, such as the Bachelor's degree in Financial Services Management or the Bachelor's degree in Business Economics. In addition, we also know the Amsterdam Institute of Finance and the Netherlands Institute for Banking and Insurance and Securities. Which training fits best is of course different per person and future employer. To increase confidence in the securities industry or investment world, we also have the Dutch Securities Institute (DSI) in the Netherlands. Accounting is also important as an entrepreneur.
COMPANIES WHERE AN INVESTMENT ADVISOR MAY WORK
An investment advisor can work for various types of companies, institutions and governments. Think, for example, of banks, pension funds, financial institutions, insurance companies, stock exchange companies or investment companies. In addition, an investment advisor can work as an entrepreneur in various fields. The profession of investment advisor can also appear under different names, depending on the type of company where an investment advisor will work. In most cases, this does relate to a financial institution. For example, a financial institution can also be a pension fund.
COMPETENCES INVESTMENT ADVISOR
The competencies as an investment advisor can differ per specialization, but it is of course important that you are aware of your field. For example, investing in real estate is very different from investing on the stock market. In general, as an investment advisor, you need to have mathematical and economic insight. In addition, it is important that you have integrity and dare to take risks. Communication skills play a big role because, depending on your work you will have to deal with a lot of clients who will advise you. But also continuing to learn and follow the latest trends and possibilities is of course extremely important as an investment advisor. Finally, it is also important to appoint laws and regulations. An investment advisor cannot simply be classified as a banker.
LABOUR MARKET PERSPECTIVE AND CAREER OPPORTUNITIES AS AN INVESTMENT ADVISOR
The labour market perspective as an investment advisor is great in the Netherlands. Obtaining work as an investment advisor with the right training will therefore usually not be a problem at all. The career opportunities should be seen in obtaining a managerial position within the organization, such as the position of fund manager or senior investment advisor. But the career opportunities are of course highly dependent on the organization where you work. In addition, starting your own business can of course also be seen as growth.
TERMS OF EMPLOYMENT AND SALARY OF INVESTMENT ADVISOR
There are no specific employment conditions for this profession because you can work at different types of companies or institutions. As an independent entrepreneur, you naturally determine your own employment conditions. As an investment advisor, you will usually fall under the higher salary scales, and in addition to a fixed salary, you can also receive a bonus compensation when certain objectives have been achieved. In general, an employed investment advisor will earn a salary between 3000 and 6000 euros gross per month, depending on age, education and responsibilities. However, the salary can vary greatly per organization and possible bonus structures within the organization.
The content on this page has been automatically translated from the Dutch language. For this reason, texts and videos on this page may contain small errors.
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