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Complete WFT basis samenvatting van alle belangrijke onderwerpen

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  • WFT Basis

Samenvatting/begrippenlijst voor het behalen van de Wft Basis examen: Essentiële kennis en inzichten voor succes in de financiële dienstverlening

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  • January 15, 2024
  • 54
  • 2023/2024
  • Summary

Subjects

  • wft basis samenvatting
  • productiefactoren
  • strafrec
  • financiële dienstverlening
  • samenwerkingsverbanden tussen aanbieders
  • toezicht op financieel dienstverleners
  • solvency 2 toezicht in de verzekeringsmarkt

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  • WFT Basis
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By: celinebiersteker • 10 months ago

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WFT basis
M.L.R

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




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