Invest yourself (or through the bank)?

If you are going to invest and you are a novice investor, you will delve into the ins and outs of investing. Then the question is whether you will invest yourself, whether you will choose an intermediary or whether you will let your bank invest. Do you choose shares, options, corporate bonds or bonds and how much will you invest?

What investment options are there?

Investing is done as safely as possible, that goes without saying. You don’t invest for nothing, you have expectations such as making financial progress and making a profit. The safest way to invest is a savings account. Not everyone is familiar with other forms of investing. If you want to start investing yourself, it is wise to delve deeper into investing and the types of investments. Some follow the crowd, and this is not always safe. When investing you also use your own insight and intuition, although hiring an investment advisor is useful. If you want to invest yourself, you must have a feeling for investing. Investing through the bank is accessible.

Investing through an intermediary

Investing yourself, okay, but taking everything into your own hands when investing is not legally possible. The investor must invest through an intermediary. The intermediary acts on behalf of the investor. The intermediary is a bank or a broker, who buys and sells securities for the person. The investor usually chooses his own bank to act as an intermediary, which gives a safe and secure feeling. While a bank provides many other financial services, a broker is mainly concerned with trading in securities. Then there is the remisier, who passes orders to the commission agent. The remisier receives commission from the bank or broker. Each intermediary receives money for the intermediary services in the form of commission or wages per transaction.

Investing and securities commission

In addition to investing, banks, remisiers and commission agents also manage assets. Depending on the size of the assets, the bank, remisier or commission agent receives money for this. They receive securities commission for brokering securities and have an interest in the growth of their investing client’s assets, so that they receive more money. In addition to the bank, remisier and broker, there is also the commission-independent asset manager.

Commission-independent asset manager

The commission-independent asset manager does not receive any securities commission. This asset manager receives compensation that depends on the results of investments.

Invest, with what amount

There is no guideline for the amount you will invest. This of course depends on the power you have. However, investing with a small amount is unfavorable: you pay relatively more commission than when you invest with a larger amount.

Shares, (corporate) bonds and options

As a novice investor you may be wondering: which form of investing should I choose? The shares, corporate bonds, ordinary bonds or options. So do your research before you really start investing. You can ask your bank for advice, as well as information. The bank informs investors about investment options and safe investing and provides investment advice. The bank also benefits from the fact that you, as an investor, start farming well. The bank will recommend its own house funds, but there are more options than these funds. To buy shares, call the bank (securities department) and ask for the current price. Banks have the current rates. Then you can choose between limited or best.

  • Limited: the investor sets a price limit
  • Best: the investor can choose the most favorable price

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