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Taking advisory to a whole new level

Discover Fineco Advice, the innovative personalised consulting service for your investments.
With Advice your Personal Financial Advisor will be able to satisfy even the most complex needs: such as succession planning and tax efficiency.

A new way of investing

Keep your investments firmly on the right track with Fineco Advice. Our Personal Financial Advisors select the best products for you without limitation and put together a personalised investment plan, guaranteeing ongoing assistance to help you make smart investment decisions – with method, transparency and complete freedom.

Advice. How it works

Your Advice-certified Personal Financial Advisor will guide you through a three-step investment process to arrive at the best decisions for you. Those steps are: Diagnosis; Investment Planning; and Monitoring. To give you maximum control over your portfolio strategy.

Diagnosis involves an initial check-up on your current investment portfolio. The quality of your investments is analysed, including those held with other banks, with an overall assessment made of risks and opportunities.

  • 1

    The quality of your current investments is analysed

  • 2The risk level and performance of your investments is measured
  • 3VThe effective composition of your portfolio is identified
All this to give you a preview of how your money might grow over time.

At the end of this first step you will receive a Portfolio Diagnosis showing the health of your wealth.

On the basis of your goals and plans, your Personal Financial Advisor will identify a suitable investment strategy based on the independent selection of the best products available, after having established:

Your desired appetite for risk

The time horizon most compatible with your objectives

Your primary and secondary investment objectives.

An efficient portfolio will then be created for each of your objectives, with the best products chosen without restriction and without conflict of interest. With Fineco Advice, the fee you pay is set in advance and is in no way linked to the products placed in your portfolio.

The outcome is a personalised investment plan built on the best investment strategy to achieve your goals.

Fineco Advice constantly monitors your investments by tracking their performance, effective risk levels and any mismatch between the portfolio and the initial investment plan.
If any major drift is found, together with your Personal Financial Advisor you can choose to step in and rebalance the portfolio, as necessary.

This way you can:

Control your portfolio’s performance vis-à-vis your objectives

Take swift action in the event of market swings

Manage your investments professionally and with sound method.

Periodic reporting

Fineco Advice guarantees regular detailed reports on your investment objectives. Specifically, it monitors your portfolio's performance over time in terms of:

  • The efficiency of the portfolio
  • Its match with your chosen objectives
  • The quality of the products held
  • Performance and the risk/return profile

A detailed report on the performance of your investment plan will be sent to you every four months.

More benefits with Advice Unit

Advice Unit is the unit-linked policy that combines maximum personalisation of investments,
also thanks to 7 Internal Insurance Funds (IIF) managed automatically and featuring an increasing volatility, with insurance instrument benefits, such as the deferral of tax on capital gains, the exclusion from the hereditary line and much more.

Innovation & security

The innovative web collaboration tool puts you in direct contact with your Personal Financial Advisor fast and easy via the Internet. After opening the service contract there will be nothing more for you to sign on paper. All operations can be viewed directly in the reserved section of the Fineco website, ensuring security and fast execution of orders.

With your Personal Financial Advisor always by your side

Open a Fineco account. It only takes 5 minutes with your webcam.

Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

Fineco Advice: is a fee-based investment advisory service reserved to Fineco current account holders. It is promoted and can be purchased exclusively through the Fineco Financial Advisors network, where the terms and conditions of the service can be found. The advisory service does not in any way entail any promise or warranty regarding financial returns. Accordingly, the Bank accepts no liability for any losses of any kind borne by the client or for earnings that are lower than expected.

ADVICE UNIT is a unit-linked life insurance policy of Eurovita S.p.A., exclusively distributed by Fineco and which can only be subscribed to through the Fineco Financial Advisors network, from whom the contractual and financial conditions of the service can also be obtained. The policy can be subscribed to by those customers who do not have a "Cautious” MiFID Advice profile. The market risk of the product is linked to the performance of the asset allocation chosen by the customer; there is no guarantee of repayment of the principal or a minimum guaranteed return. Counterparty risk is present in each individual underlying fund and is linked to the creditworthiness of the issuers of the securities in which the funds invest. Signing up to the optional and additional Periodic Coupon Program service carries a fixed cost of €3.

Versione italiana

Fineco desidera informare i propri Clienti residenti o aventi sede legale e/o operativa in uno dei comuni interessati dagli eventi calamitosi del 26 Dicembre 2018 che hanno colpito il territorio dei Comuni di Aci Bonaccorsi, Milo, Trecastagni, Aci Catena, Aci Sant’Antonio, Acireale, Santa Venerina, Viagrande e Zafferana Etnea, in provincia di Catania, della facoltà di richiedere la sospensione del pagamento delle rate dei mutui ipotecari relativi a edifici distrutti o inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici.
L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) fino alla ricostruzione, all’agibilità o all’abitabilità del predetto immobile e comunque non oltre la data di cessazione dello stato di emergenza.
La domanda di sospensione dovrà essere presentata entro il 15 Febbraio 2019 e dovrà essere assistita da un’autocertificazione che attesti il danno subito dall’immobile per cui si richiede l’attivazione della sospensiva, resa ai sensi del D.P.R. 28.12.2000, n. 445.

La sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria. Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione alle Banche Dati relativa alle rate sospese.
Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità. Il piano di ammortamento si allungherà dunque di un periodo pari a quello per cui si è interrotto.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Inoltre potrà essere revocata dal mutuatario in qualsiasi momento.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.