Alles wat je moet weten om de WFT basis
examen te halen
samenvatti
ng
Samenvatting/begrippenlijst voor het
behalen van de Wft Basis examen:
Essentiële kennis en inzichten voor
succes in de financiële
dienstverlening
,Inhoud
Hoofdstuk 1: financiële dienstverlening:................................................................................................4
Financiële dienstverlening..................................................................................................................4
De economische kringloop.................................................................................................................5
Drie productiefactoren:......................................................................................................................6
Financiële huishouding consumenten:...............................................................................................7
Aanbieders van financiële...................................................................................................................7
Samenwerkingsverbanden tussen aanbieders:..................................................................................8
Distributie van verzekeringen.............................................................................................................8
Distributie consumptieve kredieten...................................................................................................8
Distributie van hypothecaire geldleningen.........................................................................................9
Distributie beleggingen.......................................................................................................................9
Toezicht op financieel dienstverleners...............................................................................................9
Solvency 2: Toezicht in de verzekeringsmarkt....................................................................................9
De 3 pijlers van Solvency 2:................................................................................................................9
Systeemtoezicht:..............................................................................................................................10
Strafrechtelijk toezicht:....................................................................................................................10
Boetes en sancties:...........................................................................................................................10
Informatiebronnen voor de klant:....................................................................................................10
Klachten:...........................................................................................................................................10
Tuchtraad financiële dienstverlening:..............................................................................................10
Stichting Klachten en Geschillen Zorgverzekeraars (SKGZ):..............................................................11
Hoofdstuk 2: WFT.................................................................................................................................11
Financiële producten........................................................................................................................11
Diensten...........................................................................................................................................11
Eisen aan financieel dienstverleners.................................................................................................11
Soorten bemiddelaars......................................................................................................................11
Taken van de bemiddelaar...............................................................................................................11
De Vergunning:.................................................................................................................................12
Financiële bijsluiter...........................................................................................................................14
Hoofdstuk 3: Financiële huishouding van de klant...............................................................................14
3.1 De financiële positie van de klant...............................................................................................14
De inkomenspositie van de klant......................................................................................................14
Vermogenspositie van de klant........................................................................................................14
Financiële soliditeit van de klant......................................................................................................14
Pagina 1 van 54
, Sparen, ontsparen en lenen..............................................................................................................15
Levensfasen van de klant..................................................................................................................15
3.2 De Juridische Positie van de Klant...............................................................................................15
Handelingsbekwaamheid.................................................................................................................15
Samenlevingsvormen.......................................................................................................................15
Toestemming vereist van partner.....................................................................................................16
Erfrecht.............................................................................................................................................16
Begrippen:........................................................................................................................................16
Verzorging langstlevende echtgenoot..............................................................................................16
Groep-voor-groep-regel...................................................................................................................16
Plaatsvervulling................................................................................................................................17
Legitieme portie...............................................................................................................................17
3.3 De Fiscale Positie van de Klant....................................................................................................17
Inkomstenbelasting..........................................................................................................................17
Heffingskortingen.............................................................................................................................18
Erfbelasting (Successiewet)..............................................................................................................18
Schenkbelasting (Successiewet).......................................................................................................19
Hoofdstuk 4: Betalen, Sparen en Beleggen..........................................................................................19
4.1 Betaalrekeningen........................................................................................................................19
Betalingsvormen...............................................................................................................................20
Geld opnemen en storten.................................................................................................................20
4.2 Sparen.........................................................................................................................................20
Spaarmotieven.................................................................................................................................20
Spaarproducten................................................................................................................................20
Fiscaal-vriendelijk sparen.................................................................................................................21
Depositogarantiestelsel (DGS)..........................................................................................................21
4.3 Beleggen.....................................................................................................................................21
Beleggingscategorieën......................................................................................................................21
Voorkeur van de klant......................................................................................................................23
Hoofdstuk 5: Lenen..............................................................................................................................23
5.1 Consumptief Krediet...................................................................................................................23
Fiscale aspecten consumptief krediet...............................................................................................24
5.1 Crowdfunding.............................................................................................................................26
5.2 De nieuwe studiefinanciering.....................................................................................................27
5.3 Hypothecair krediet....................................................................................................................27
Overzicht: Transportakte en Hypotheekakte....................................................................................28
Pagina 2 van 54
, 5.4 RENTE.........................................................................................................................................29
5.5 VERSTREKKEN VAN KREDIET.......................................................................................................29
Hoofdstuk 6: Verzekeren......................................................................................................................31
6.2 AFSLUITEN VAN EEN VERZEKERING............................................................................................31
6.3 MEDEDELINGSPLICHT................................................................................................................33
6.4 HET EINDE VAN DE VERZEKERING...............................................................................................33
6.5 SCHADE- LEVENS & ZORGVERZEKERINGEN.................................................................................34
LEVENSVERZEKERINGEN...................................................................................................................36
ZORGVERZEKERINGEN......................................................................................................................36
PRODUCTWIJZER..............................................................................................................................37
Hoofdstuk 7: Verzekeren......................................................................................................................37
7.1, Verschillende Risico's en Verzekeringen....................................................................................37
Particuliere en Sociale Verzekeringen..............................................................................................38
Indelingen binnen de Verzekeringsbranche.....................................................................................38
7.2 Schadeverzekering voor particulieren........................................................................................39
7.3 Verzekeringen voor het MKB......................................................................................................40
7.4 Levensverzekeringen..................................................................................................................41
Kapitaalverzekeringen......................................................................................................................42
Renteverzekeringen..........................................................................................................................42
7.5 PENSIOENSVERZEKERINGEN.......................................................................................................43
7.6 ARBEIDSONGESCHIKTHEIDSVERZEKERINGEN............................................................................44
7.7 PERSOONLIJKE ONGEVALLENVERZEKERING...............................................................................45
7.8 Zorgverzekering..........................................................................................................................46
Hoofdstuk 8: professioneel gedrag.......................................................................................................47
Adviesregels en Klantprofiel in Financieel Advies.............................................................................47
Het Adviestraject..............................................................................................................................48
Factuur of declaratie opstellen:........................................................................................................49
Hoofdstuk 9: Integriteit........................................................................................................................49
Overzicht van Hoofdstuk 10: Adviesvaardigheden...............................................................................53
Pagina 3 van 54
The benefits of buying summaries with Stuvia:
Guaranteed quality through customer reviews
Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.
Quick and easy check-out
You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.
Focus on what matters
Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!
Frequently asked questions
What do I get when I buy this document?
You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.
Satisfaction guarantee: how does it work?
Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.
Who am I buying these notes from?
Stuvia is a marketplace, so you are not buying this document from us, but from seller MLR1. Stuvia facilitates payment to the seller.
Will I be stuck with a subscription?
No, you only buy these notes for $7.77. You're not tied to anything after your purchase.
