{"id":9705,"date":"2025-11-06T14:39:22","date_gmt":"2025-11-06T14:39:22","guid":{"rendered":"https:\/\/tst.finantia.es\/private-banking\/investment-advisory\/"},"modified":"2026-09-11T14:09:38","modified_gmt":"2026-09-11T14:09:38","slug":"investment-advisory","status":"publish","type":"page","link":"https:\/\/www.finantia.es\/en\/private-banking\/investment-advisory\/","title":{"rendered":"Investment Advisory"},"content":{"rendered":"\t\t

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Investment Advisory<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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More than just simple guidance, Banco Finantia\u2019s Investment Advisory Service<\/strong> is designed for those who value informed and well-supported decisions. With the support of a dedicated account manager, you will receive practical suggestions tailored to your investor profile, objectives and time horizon, with complete freedom in the final decision<\/strong>.<\/p>\n
This service is intended for those seeking more than information \u2014 a service with continuous, specialised support, closely aligned with market developments<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Risk warning: Investment advice does not eliminate the risks inherent in investing. Each financial instrument presents specific risks that should be assessed on a case-by-case basis. The value of financial instruments may fluctuate, and there is a possibility that the amount originally invested may not be recovered. Past performance is not a reliable indicator of future results. Investments in instruments denominated in currencies other than the investor\u2019s reference currency are subject to foreign exchange risk.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What sets our advisory service apart<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t
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Experienced and dedicated team<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Qualified professionals with in-depth knowledge of financial markets.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Tailored proposals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Personalised solutions, adapted to your investor profile, objectives and financial context.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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International network<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Access to Banco Finantia\u2019s global network of contacts, enhancing unique investment opportunities.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Ongoing support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Monitoring of your portfolio and close contact with your account manager.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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We adapt the strategy to your investor profile<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Every investor is different. For this reason,\u00a0Banco Finantia<\/strong>\u00a0develops model portfolios for\u00a0three main investor profiles<\/strong>:<\/p>\n<\/div>\n
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Conservative<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t $\"Graph$ \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Moderate<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Dynamic<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tLiquidity\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tBonds\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tShares\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Liquidity: cash and money market instruments | Fixed Income: government and corporate debt | Equities: listed shares.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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These portfolios are tailored based on a detailed assessment of your profile, experience, risk tolerance, financial objectives and sustainability preferences.<\/p>\n<\/div>\n
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Frequently Asked Questions<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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What does Banco Finantia\u2019s Investment Advisory service consist of? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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We provide a\u00a0personalised advisory service to prospective or existing clients<\/strong>, within the scope of transactions involving specific financial instruments.<\/p>\n
This service may be requested directly by you or proposed at the initiative of your account manager, as support for investment decision-making. In all cases,\u00a0the final decision always rests with the client<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Why an advisory service rather than simple product distribution? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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The\u00a0distribution of financial instruments<\/strong>\u00a0(order reception and transmission service)\u00a0does not involve any value judgement<\/strong>. In this context, we limit ourselves to\u00a0providing information on the characteristics of financial instruments and to receiving the client\u2019s instructions<\/strong>, without issuing recommendations. For this reason, this service is mainly recommended for\u00a0more experienced clients<\/strong>.<\/p>\n
A\u00a0Consultoria para Investimento<\/strong>, por sua vez, assenta na emiss\u00e3o de\u00a0recomenda\u00e7\u00f5es de investimento<\/strong>\u00a0por parte de um gestor de conta, assegurando que estas s\u00e3o\u00a0personalizadas<\/strong>, individuais e ajustadas \u00e0s circunst\u00e2ncias pessoais de cada cliente.<\/p>\n
These recommendations are\u00a0supported by the experience of Banco Finantia\u2019s professionals<\/strong>\u00a0and by our resources for\u00a0analysis\u00a0<\/strong>and continuous market\u00a0monitoring<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Which services are provided by Banco Finantia\u2019s Private Banking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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In addition to our Investment Advisory service, our account managers can also:<\/p>\n
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Receive and execute securities transaction orders<\/strong>\u00a0exclusively upon the client\u2019s instruction, without the need for specialised advice;<\/li>\n
Provide custody of financial assets<\/strong>;<\/li>\n
Provide information on\u00a0term deposit solutions in EUR and USD<\/strong>.<\/li>\n<\/ul>\n
For more information on this service, please visit the\u00a0Private Banking<\/a>\u00a0page<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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How are clients\u2019\/investors\u2019 interests safeguarded? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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The\u00a0Markets in Financial Instruments Directive (MiFID II)<\/strong>\u00a0introduced a set of measures aimed at ensuring that the client\u2019s interests prevail, strengthening transparency, service quality and the mitigation of potential conflicts of interest.<\/p>\n
This framework\u00a0establishes clear rules on how we relate to our clients<\/strong>\u00a0and how we\u00a0distribute investment products and services<\/strong>. Among the main measures are:<\/p>\n
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Strengthened information duties towards clients;<\/li>\n
More stringent rules on conflicts of interest;<\/li>\n
More detailed criteria for order execution;<\/li>\n
New market transparency rules;<\/li>\n
Higher requirements regarding codes of conduct and the professional skills of employees, including knowledge and experience.<\/li>\n<\/ul>\n
Before making any investment recommendation, your account manager carefully assesses<\/strong>\u00a0the products and services to be proposed, taking into account your knowledge and experience, financial situation, investment objectives, needs and risk tolerance.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What inherent risks should be considered? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Any investment in\u00a0financial instruments<\/strong>\u00a0involves risks that must be duly considered:<\/p>\n
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The value of the invested capital\u00a0may fluctuate<\/strong>, and it may not be possible to recover the amount initially invested, depending on the\u00a0appreciation or depreciation of the assets comprising the portfolio<\/strong>;<\/li>\n
Past performance does not guarantee future performance<\/strong>. In particular, foreign exchange risk, resulting from fluctuations in exchange rates between currencies, may have a negative impact on the amount recovered from the investment<\/li>\n
Each financial instrument presents specific risks<\/strong>, which must be assessed on a case-by-case basis<\/li>\n<\/ul>\n
For further information on products and associated risks, you may consult Banco Finantia\u2019s\u00a0Additional Information for Clients<\/a> (spanish version) or the CMVM website<\/a><\/p>\n
It should also be noted that Banco Finantia does not market proprietary products.<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What are the advantages of Banco Finantia\u2019s Investment Advisory service? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t
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Value proposition<\/strong>: We develop a service tailored to the desired level, whether in the purchase and sale of selected collective investment funds or in the trading of bonds and shares;<\/li>\n
Personalisation<\/strong>: We develop solutions adjusted to each investor\u2019s risk tolerance and profile, based on their knowledge, experience and financial capacity. We define personalised investment strategies, taking into account personal circumstances, the socio-economic context and investment objectives;<\/li>\n
Ongoing support<\/strong>: Each client is supported by a specialised account manager, available throughout the entire process. In parallel, our market specialists regularly monitor the investment portfolio;<\/li>\n
Engagement<\/strong>: We promote greater client involvement in the management of their wealth, ensuring a service that is truly aligned with their expectations;<\/li>\n
Flexibility<\/strong>: We allow you to monitor your investment portfolio at any time and from anywhere, through the FinantiaNet homebanking service;<\/li>\n
In-depth knowledge of bond markets<\/strong>: We possess specific know-how in the fixed income markets for sovereign, financial and corporate debt, covering a broad range of issuers classified as investment grade (issuers with higher credit quality: rating \u2265 BBB-) and high yield (issuers with higher credit risk: rating \u2264 BB+) by the leading rating agencies in the sector.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions<\/a> page.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tContact us\t\t\t\t\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\tcontacto.bfs@finantia.com\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tBy email\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\tOr via our contact form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t \n\t\t\t\t\t\t\t+34 900 535 188\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tBy phonecall\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Available on weekdays, Monday to Thursday from 9am to 6pm and Friday from 9am to 2pm.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tIn Madrid, Barcelona or Valencia\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\tIn person at our branches\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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Investment Advisory More than just simple guidance, Banco Finantia\u2019s Investment Advisory Service is designed for those who value informed and well-supported decisions. With the support of a dedicated account manager, you will receive practical suggestions tailored to your investor profile, objectives and time horizon, with complete freedom in the final decision. This service is intended […]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":9687,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9705","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/pages\/9705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/comments?post=9705"}],"version-history":[{"count":10,"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/pages\/9705\/revisions"}],"predecessor-version":[{"id":12252,"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/pages\/9705\/revisions\/12252"}],"up":[{"embeddable":true,"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/pages\/9687"}],"wp:attachment":[{"href":"https:\/\/www.finantia.es\/en\/wp-json\/wp\/v2\/media?parent=9705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}