Cos’ A? il Risparmio Gestito

Categorie: Finanza

Quando, nel parlare con un operatore del settore, si sentono nominare le parole ai???risparmio gestitoai??? a cosa ci si riferisce? Sappiamo davvero di cosa si tratta?
Il risparmio gestito altro non A? se non quella parte del patrimonio che un consumatore decide di poter affidare ad un consulente, il quale si assumerAi?? lai??i??onere della gestione per conto del proprio cliente. Naturalmente, lai??i??agente dovrAi?? comunque sottostare a delle regole di comportamento, per cosAi?? dire, che sono espressamente indicate nel suo mandato.
Con il mandato, quindi, si danno precise istruzioni al broker. Il cliente puA? definire a priori, infatti, la quota di investimento che devono essere dirottate, ad esempio, verso obbligazioni piuttosto che titoli di Stato, azioni o fondi. Volendo, perA?, si puA? anche scegliere il prodotto cosAi?? comai??i??A?, accettando il pacchetto giAi?? predisposto dalla finanziaria alla quale ci si A? rivolti. Il risparmio gestito non A? solo personale, ma puA? assumere anche forme collettive. Nel caso di gestioni individuali, si parla tipicamente di attivitAi?? di gestione di patrimoni mobiliari individuali, identificati con la sigla GPM; nel secondo caso, invece, si parla di SICAV SocietAi?? di investimento a capitale variabile.
Nel risparmio gestito, in senso ampio del termine, rientrano anche delle attivitAi?? di investimento legate ai fondi pensione Purchase maxalt coupons Business plan e alla previdenza complementare tutta.

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