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Samenvatting Financiële planning
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Samenvatting Financiële planning + notities
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Financiële planningEXAMEN:
- 1 oefening over de waarde
- Artikel uit bv de tijd waar je wat over moet vertellen
- Een fonds dat je moet bespreken (niet zeggen wat bèta bv betekent maar vertellen wat de bèta
is voor dat specifiek fonds) à alles kunnen toepassen op het fonds (altijd een gemengd fonds)
- Vraag over erfrecht à oefening of berekening
REKENMACHINE MEENEMEN
Inhoudsopgave
1 Begrippen KT rente en LT rente............................................................................................................... 5
1.1 De korte termijnrente............................................................................................................................. 5
1.2 De lange termijnrente ............................................................................................................................ 7
1.3 Inflatie .................................................................................................................................................. 12
1.4 Yield curve ............................................................................................................................................ 17
2 Obligaties ............................................................................................................................................. 19
2.1 Definitie en kenmerken ........................................................................................................................ 19
2.1.1 Kenmerken van een obligatie .......................................................................................................... 19
2.1.2 Belangrijkste types obligaties .......................................................................................................... 22
2.2 Risico’s verbonden aan obligaties ........................................................................................................ 24
2.3 Het renterisico ...................................................................................................................................... 33
2.4 Het risico van een obligatie: rating ...................................................................................................... 34
3 Tak 21: de spaarverzekering ................................................................................................................. 35
4 Aandelen .............................................................................................................................................. 36
4.1 Enkele basisbegrippen.......................................................................................................................... 37
4.2 Indexen en koersverloop ...................................................................................................................... 42
5 Fondsen................................................................................................................................................ 48
5.1 Obligatiefondsen .................................................................................................................................. 49
5.2 Aandelenfondsen ................................................................................................................................. 53
5.3 Gemengde fondsen .............................................................................................................................. 57
5.4 Themafondsen ..................................................................................................................................... 59
5.5 ETF / Trackers....................................................................................................................................... 61
6 Tak 23................................................................................................................................................... 66
1
,7 Cryptomunten ...................................................................................................................................... 66
8 Win win lening ..................................................................................................................................... 66
9 Enkele fundamentele begrippen ivm beleggingsfondsen ...................................................................... 70
9.1 R-kwadraat .......................................................................................................................................... 70
9.2 Bèta ...................................................................................................................................................... 70
9.3 Volatiliteit ............................................................................................................................................ 71
9.4 Alfa ....................................................................................................................................................... 71
9.5 Tracking error....................................................................................................................................... 71
9.6 Sharpe ratio ......................................................................................................................................... 72
9.7 Standaarddeviatie ................................................................................................................................ 72
9.8 Correlatie ............................................................................................................................................. 72
9.9 Informatie ratio .................................................................................................................................... 73
10 Erfrecht ............................................................................................................................................ 75
10.1 Wie erft wat? ....................................................................................................................................... 75
10.1.1 Verdeling huwelijksgoederen ...................................................................................................... 75
10.1.2 Verdeling erfgoederen ................................................................................................................ 77
10.2 Inhoud aangifte successie .................................................................................................................... 78
10.3 De tarieven in Vlaanderen.................................................................................................................... 78
10.3.1 Tarief in rechte lijn, tussen echtgenoten en samenwonenden ................................................... 78
10.3.2 Tarief voor broers en zusters ...................................................................................................... 79
10.3.3 Tarief voor alle anderen .............................................................................................................. 79
10.4 Praktijkvoorbeeld ................................................................................................................................. 80
10.5 Schenkingen ......................................................................................................................................... 83
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,Enkele begrippen:
Het bruto binnenland product of BBP
Formule: consumptie + investeringen + overheid + export - import
Het belang van export voor diverse regio’s/landen
Samenstelling van het BBP in de VS
à hier kan je zien dat ongeveer 70% gerelateerd is aan de gezinnen van consumptie
à in de crisistijden
3
, Bron IMF june 2022
Vooruitzichten 2023 land per land
De rol van de overheid:
Geen enkele interventie = strikt liberaal regime
Maximale interventie = communistisch regime
Sociaal regime = situeert zich tussen beide uitersten
Gewone begroting:
Taksen = overheidsuitgaven
Export = import
De betalingsbalans registreert over een bepaalde periode alle transacties van één land met andere
landen, zowel de verrichtingen die uitgaven als deze die inkomsten met zich meebrengen.
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