,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
Sparen, ontsparen en lenen ..............................................................................................15
Levensfasen van de klant .................................................................................................15
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, 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
5.4 RENTE .......................................................................................................................29
5.5 VERSTREKKEN VAN KREDIET .................................................................................29
Hoofdstuk 6: Verzekeren ......................................................................................................31
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, 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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