Co-founder of Affari Miei
January 19, 2024
Have you heard of the BPER asset management and would you like to know more to understand if this is a viable solution for you or if you should look elsewhere?
Today we will analyze all the characteristics from the BPER asset managementseeing his costsi advantages they disadvantages and at the end of the article you will find mine opinions about.
Enjoy the reading!
This article talks about:
A presentation by BPER
Before starting, I would like to introduce the bank with which you are about to sign up for your wealth management.
BPER Banca is a large, sustainable and advanced Italian bank that aims to connect people and businesses to help them develop their ideas.
BPER’s history boasts over 150 years of success, and for 150 years they have chosen to grow together with the people who trust in the territory and for the territory.
To date, in fact, BPER has become a large, solid national bank because it has been able to adapt to changes, making it its strong point.
It has more than 1,900 branches covering almost all Italian regions, with 22,000 employees and more than 5 million customers.
The characteristics of BPER asset management
Let’s now see, first of all, what the asset management proposed by BPER looks like and what its features are characteristics main.
Asset management is for customize the investment, as it is defined on the basis of an accurate analysis of your needs and investment objectives.
Another typical feature of BPER asset management is the possibility offered to you of being able to access markets all over the world and realize the diversification of the investment portfolio, through monitored financial risk management.
Asset management allows you to approach investments through rational choices that allow you to remain immune to emotions.
Another important thing to point out is the transparency: in fact, every quarter the complete report of the service provided is sent, with the details of all the operations that were carried out in the reference period, with the results achieved and the costs incurred. This is a good way to keep everything under control and to have a great reference.
Let’s talk about now fiscal efficiency: this is the compensation of positive results with negative ones, which are taxed only on the net result of overall management.
Furthermore, there is no real constraint duration: There is only a recommended minimum period.
The goal is to create value over time with professional and transparent management of the investment portfolio. This offers the possibility of a personalized investment, on portfolios that are chosen based on the objectives that the investor wants to pursue and achieve and above all in relation to his risk profile.
Furthermore, you can count on the specialized teams of Optima Spa SIM (a company of the BPER Banca group which has been delegated for the management activity).
The two asset management groups BPER
As far as asset management is concerned, we have two groups of management that are defined Core e Satellite:
Core: presents 3 macrofamilies and 10 management lines that respond to the need to offer an adequate solution to every investor. In core management you will be able to find the most suitable line to satisfy your investment objectives, diversified by type of markets and financial instruments. They are risk profile lines designed to seek the correct return objective based on the chosen risk. The management style is active, with a portfolio structure that varies dynamically, with the aim of obtaining a return above the benchmark. The lines can access a wide range of financial instruments including: securities, shares, bonds, funds, SICAVs, ETFs, ETCs and ETNs;
Satellite: presents 2 macrofamilies and 15 management lines. These allow you to enrich your overall portfolio, seeking investment opportunities on the markets or through the adoption of flexible and advanced management styles. The management style of GP Satellite Asset Class is characterized by a constant search for value in line with both the stock and bond reference markets. GP Satellite Flessibile are lines specialized in management style, which help to complete the investable universe also alongside the GP Core. The management style is active and combines with ample flexibility to allow the manager to dynamically seize the various opportunities offered by the financial markets.
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How to subscribe to BPER asset management?
If you want to subscribe to BPER asset management on the official website you will find a form that you can fill out in which you will have to communicate your name and surname and your data in order to make an appointment at the branch and consequently discuss with the bank professionals who further details on BPER asset management.
Costs and commissions
Also for the costs I advise you to make an appointment at the bank to be able to have all the information information useful and be able to ask all the questions that allow you to clarify your doubts.
Opinions on BPER asset management
Now that we have reached the end of the review we can also try to think together and understand whether it could be a solution suited to your needs or not.
First of all, I can’t help but advise you to go to the branch to have more information on asset management and to be able, consequently, to understand more, since there is not so much information on the official website that can be considered sufficient to make such an important informed decision.
At this point I’ll try to give you mine opinions on asset management, in general and not only on this proposal by BPER.
In my opinion, choosing this instrument to invest means to delegate completely to one manager all your money and all your assets.
This can have a positive side: it means entrusting your money to a capable and knowledgeable person, but on the other hand it can also be negative because you will have no idea what happens to your money.
Personally, I like to invest consciously and, precisely for this reason, I want to know what happens to my money and my assets. This is also why I don’t like these complicated and cumbersome products, which are often difficult to understand.
Then I also invite you to consider the management costs: they are always very high when we refer to the world of managed savings in general. Of course, in this case we do not have access to the data, but they can assure you that these costs will not differ much from those typical of asset management also offered by other banks.
Understand that if you find yourself paying 3-4% a year in commissions, your performance it really risks going to the ground.
Is this really what you want? Just because you are afraid and don’t trust your abilities and therefore aim for full delegation?
My advice to overcome this is the training: if you study you become aware, if you study you will know the tools and will therefore be able to build a strategy aimed at obtaining the best returns and achieving your goals.
If you want to know more about asset management I invite you to consult this article.
As you may have understood, I’m not a big fan of asset management, but if you want to delve further into the discussion and better understand how they work, I invite you to read this article.
If I have to give you an alternative, I personally prefer to choose instruments such as ETFs, which are passively managed funds that replicate the market or an index and therefore can offer you maximum diversification and transparency at significantly lower costs, since there is no intermediation of the manager .
Now I say goodbye, but before doing so I think it might be useful for you to read these guides to show you the best path to start investing:
Having said this, I bid you farewell, hoping to see you back up here My business.
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