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Bộ mẫu cố vấn tài sản

Hồ sơ rủi ro khách hàng, kế hoạch tài chính hộ gia đình, IPS cá nhân, báo cáo phù hợp và rà soát định kỳ danh mục khách hàng.

Bước 1

Khảo sát

  1. Client Risk Profile Template (MiFID II Suitability, Reg BI)

    Đầy đủ

    Fact-find and risk profiling: classification, finances, goals, knowledge, risk tolerance vs capacity for loss, sustainability preferences, model mapping

    MiFID II Art. 25(2); Delegated Reg (EU) 2017/565 Art. 54-55; SEC Reg BI

  2. Personal Financial Plan Template

    Đầy đủ

    Household plan hub: profile, goals, cash flow, net worth, emergency fund, debt, insurance, investing, retirement, tax, estate, action plan, review

    CFPB Your Money, Your Goals; G20/OECD INFE 2016 (names)

  3. Net Worth Statement Template

    Đầy đủ

    Personal balance sheet: valuation rules, assets, liabilities, net worth and ratios, change analysis, ownership split, local equivalents

    CFPB Your Money, Your Goals (public domain)

  4. Retirement Plan Template (Gap Analysis and Withdrawal Strategy)

    Đầy đủ

    Retirement goals, spending estimate, pension and income sources, staged gap analysis, savings needed, scenarios, glide path, withdrawal strategy, local equivalents

    Time-value-of-money method; CFPB consumer guidance (public domain)

  5. Household Insurance Review Template

    Đầy đủ

    Risk ranking, policy inventory, health, life cover need (KaTeX), income protection, home rebuild cost and contents, liability, car, gaps, claims log, renewals

Bước 2

Chính sách

  1. Individual Investment Policy Statement Template

    Đầy đủ

    Private-client IPS: goals, required return (KaTeX), risk limits, constraints, asset allocation ranges, glide path, rebalancing, fees, review triggers

    MiFID II Art. 25; Delegated Reg (EU) 2017/565 Art. 54; SEC Reg BI; SEC IA-5248
Bước 3

Quyết định

  1. MiFID II Suitability Report Template (Art. 25(6), Del. Reg 2017/565 Art. 54)

    Đầy đủ

    Retail suitability statement: profile used, recommendation, reasons, sustainability, risks, costs, switching, review, inducements, delivery, checklist

    MiFID II Art. 25(2), 25(6), 29a; Delegated Reg (EU) 2017/565 Art. 50, 52, 54 (as amended by 2021/1253); ESMA35-43-3172
Bước 4

Đánh giá Well-Architected

  1. Client Portfolio Review Template (MiFID II Periodic Report)

    Đầy đủ

    Periodic client report and review: holdings, transactions, TWR vs benchmark, IPS ranges, ex-post costs, cost effect, 10% loss alerts, goals, suitability

    Delegated Reg (EU) 2017/565 Art. 50, 54, 60, 62, 63; SEC Rule 206(4)-2