Many financial planners may have the idea that if they want to do a good job in wealth management for their customers, they should have a full understanding of their families and assets in the early stage, and then match their products according to their real demands. However, to be a good financial planner is far more than that. What financial planners have to do is to convey the correct investment concept to customers. So, what kind of investment philosophy should financial planners convey to customers?
Adhere to long-term investment.
Even if most people have never been exposed to the financial industry, they know that it is complex and changeable. A little carelessness may bring you losses. Because of this, we must not rush to achieve success when investing.
We should know that financial planners can convey the correct long-term investment concept to customers in the process of serving customers. On the one hand, it can strengthen customers' understanding of the investment field, thus narrowing the distance with customers. More importantly, it can effectively alleviate the panic of customers in a short period of time and help customers truly manage their finances reasonably.
Many people want to copy Buffy's 99.8% wealth, but never want to learn his "process" in the early stage of investment. This process can also be seen as a long-term investment concept that we need to convey to our customers. Investment itself is a matter that needs long-term persistence. Although short-term benefits can bring certain changes to our assets, long-term persistence can bring great changes to our assets. Only by learning to persist and not be tempted by immediate interests can we really learn to invest and manage money.
Learn to think about risks actively.
The financial market itself is turbulent, which requires financial planners to be extremely sensitive to the market in the process of serving customers, to be able to perceive and actively think about the subtle changes in the market in time, and then inform customers in advance.
In fact, it is not difficult to find that customers' concerns about risks can be subdivided into "great fluctuation", "strong uncertainty" and "poor liquidity". In view of these specific worrying factors, financial planners have to help customers establish the awareness of actively thinking about risks in advance in the process of managing their finances: what impact may this wave of market changes bring? How will it affect me personally? How to deal with these risks in the later stage? Only before the market fluctuates, think about the risks you will face and the later solutions in advance, the customer's acceptance will be higher, and the adjustment of financial planning will come faster.
Consciousness of rational allocation of assets
When many customers start to invest, they randomly allocate assets to invest because they don't understand the industry. In the end, the money was invested, but it didn't bring any benefits. At this time, in the process of serving customers, financial planners should consciously help customers to cultivate the awareness of rational asset allocation: combine their actual situation, set aside a certain amount of reserve funds for themselves, and invest according to the principle of "safety and rationality" to avoid reducing their losses as much as possible.
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