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Title:FINANČNO SVETOVANJE POSAMEZNIKOM IN GOSPODINJSTVOM V RAZLIČNIH ŽIVLJENJSKIH OBDOBJIH
Authors:ID Šertel, Leon (Author)
ID Oplotnik, Žan Jan (Mentor) More about this mentor... New window
Files:.pdf UNI_Sertel_Leon_2012.pdf (5,00 MB)
MD5: 64940B685A2E72F8A7F5206132BCF1B4
PID: 20.500.12556/dkum/1fcfd73e-928d-4cca-8251-071fd2854fcc
 
Language:Slovenian
Work type:Undergraduate thesis
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Gospodarske razmere in sodobni trendi narekujejo trenutno gospodarsko in socialno situacijo v državi. Ti vplivi narekujejo državi, da se vse bolj odmika od socialnih temeljev (zdravstvo, pokojnine, šolstvo in ostali socialni transferi) in to breme prepušča državljanom samim, ki zaradi polpretekle zgodovine v veliki večini še vedno razmišljajo »socialistično« in pričakujejo pomoč države na vsakem koraku. A žal so trenutne razmere drugačne in od posameznika zahtevajo, da sam poskrbi zase in za svoje finance. Skrb za osebne finance in njihovo upravljanje je tako tudi pri nas postalo nuja. Na finančnem trgu lahko posameznik izbira med različnimi naložbenimi alternativami in finančnimi ponudniki, da bi si zagotovil varno finančno prihodnost. A katera naložbena alternativa je zanj prava v tem trenutku in ob danih pogojih, nepoučeni, »amaterski« vlagatelj, težko prepozna. Zato je priporočljivo, da si neuk in finančno nepismen posameznik poišče pomoč pri finančnem svetovalcu. Prav tako kot mora biti dobro proučena in premišljena izbira naložbene alternative, mora biti v prvi fazi skrbno, temeljito in premišljeno izbran tudi finančni svetovalec, saj niso vsi finančni svetovalci strokovni, etični in moralni pri svojem delu. Vse več se pojavlja zgolj prodajalcev naložbenih alternativ zaradi lastne koristi in ne koristi stranke, ki ji svetujejo. Primeren finančni svetovalec, ki bi posameznika spremljal skozi njegovo celotno »finančno življenje«, naj bi bil strokovno izobražen na področju financ in upravljanju le teh, licenciran, neodvisen od finančnih institucij, ponujati mora široko paleto naložbenih alternativ, pri delu pa mora biti moralen in etičen. Skozi življenje ljudje prehajamo v različna življenjska obdobja, ki imajo svoje specifične značilnosti, zaradi katerih imajo posamezniki različne potrebe, želje, cilje in poglede na svet. Vsi ti dejavniki (starost, spol, zaposlitveni status, zakonski stan, zdravstveno stanje, denarno stanje, osebni dejavniki in drugo) pomembno vplivajo na to kakšne potrebe ima posameznik v določenem trenutku in v bližnji prihodnosti, zato je pomembno, da jih pri finančnem svetovanju upošteva tudi finančni svetovalec, ko pripravlja finančni načrt za svojo stranko. Saj je znano, da ne obstaja univerzalna naložbena alternativa, ki bi bila primerna za vsakega posameznika ob vsakem času in vsaki situaciji. Prav tako ne sme biti finančno svetovanje le enkraten obisk finančnega svetovalca pri stranki in zgolj prodaja določene alternative, saj je znano, da so le spremembe stalnica v posameznikovem življenju. Spremembe, ki pomembno vplivajo na to, da je potrebno finančni načrt tudi spremeniti so lahko osebne ali zunanje. Tako se dober finančni svetovalec razlikuje zgolj od prodajalca naložbenih alternativ tudi po tem, da bo svojo stranko redno spremljal in preverjal njene finančne načrte in jih po potrebi tudi spreminjal in prilagajal novim situacijam, osebnim ali zunanjim.
Keywords:finančno svetovanje, finančni svetovalci, naložbene alternative, življenjska obdobja posameznika, finančni cilji, finančna piramida, zaščita osnovne socialne varnosti, izgradnja premoženja, optimiranje premoženja, finančna neodvisnost.
Place of publishing:Mislinjska Dobrava
Publisher:[L. Šertel]
Year of publishing:2012
PID:20.500.12556/DKUM-38104 New window
UDC:336.76
COBISS.SI-ID:11248412 New window
NUK URN:URN:SI:UM:DK:VHFOITX6
Publication date in DKUM:07.12.2012
Views:1829
Downloads:254
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:FINANCIAL CONSULTING TO INDIVIDUALS AND HOUSEHOLDS IN DIFFERENT LIFE PERIODS
Abstract:Economic conditions and modern trends dictate current economic and social situation in the country. These influences dictate the country to increasingly shift from social foundations (health care, pensions, educational system and other social transfers) and leaving this burden to its citizens who, because of the recent history, in great majority still have the “socialist” way of thinking and expect help from the state in their everyday life. But unfortunately the current conditions are different and demand from an individual to provide for himself and his finances. Care for personal finances and their management became a necessity in our country as well. On the financial market an individual can choose among different investment alternatives and financial providers to secure himself a safe financial future. But which investment alternative is right for him at this moment and the given circumstances is hard to be recognized by an uneducated, “amateur” investor. Therefore it is recommended that an uneducated and financially illiterate individual seeks help with a financial adviser. Just as well as a choice of investment alternative must be well studied and thought-out, a financial adviser must be carefully, thoroughly and cautiously chosen in the initial phase as not all of them are professional, ethical and moral at their work. There are more and more merely sellers of investment alternatives for their own benefit and not the benefit of the client they counsel. A competent financial adviser who would accompany an individual through his entire “financial life” is supposed to be professionally educated in the field of finances and their management, licensed, independent from financial institutions, and should offer a variety of investment alternatives and be moral and ethical at his work. Throughout our lives we pass over to different life periods with their own specific characteristics giving individuals different needs, wishes, goals and a different view of the world. All these factors (age, gender, employment status, married state, health condition, financial situation, personal factors and other) have an important influence as to what needs an individual has in a certain moment and in the near future; therefore it is important they are considered by a financial adviser as well when preparing a financial plan for his client. It is known that a universal investment alternative, which would be suitable for every individual at any time and any situation, does not exist. Also, financial advising is not to be only a one-time visit at a client any merely a sell of a certain alternative, since it is known that only the changes are a constant in individual’s life. Changes that importantly influence the fact that a financial plan must also be changed may be personal or external. So a good financial adviser varies from just a seller of investment alternatives also by the fact that he will regularly accompany his client and examine his financial plans, alter them if necessary and adjust them to new situations whether personal or external.
Keywords:financial advising, financial advisers, investment alternatives, individual’s life periods, financial goals, financial pyramid, protection of elementary social security, asset construction, asset optimizing, financial independence.


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