{"id":5425,"date":"2020-01-13T07:46:57","date_gmt":"2020-01-13T10:46:57","guid":{"rendered":"https:\/\/www.fdinternational.com\/dev\/?p=5425"},"modified":"2024-07-10T16:09:14","modified_gmt":"2024-07-10T19:09:14","slug":"los-desafios-2020-del-asesor-patrimonial","status":"publish","type":"post","link":"https:\/\/www.fdinternational.com\/dev\/newsletter\/los-desafios-2020-del-asesor-patrimonial\/","title":{"rendered":"Los desaf\u00edos \u201c2020\u201d del asesor patrimonial"},"content":{"rendered":"

Los desaf\u00edos \u201c2020\u201d del asesor patrimonial <\/b><\/strong><\/span><\/h3>\n
\n

Estos son los desaf\u00edos que enfrenta un asesor\u00a0<\/span>patrimonial\u00a0<\/span>si<\/span>\u00a0lo que pretende es\u00a0<\/span>agregarle\u00a0<\/span>valor a\u00a0<\/span>sus clientes<\/span>.\u00a0<\/span>No tienen un orden\u00a0<\/span>pre<\/span>–<\/span>establecido<\/span>\u00a0pero son todos muy importantes.<\/span>\u00a0Como inversor, es importante leerlos\u00a0<\/span>detenidamente\u00a0<\/span>para entender\u00a0<\/span>cu\u00e1les son\u00a0<\/span>las\u00a0<\/span>previsiones a considerar en este nuevo a\u00f1o.<\/span>\u00a0<\/span><\/p>\n

Repasemos<\/span>. El asesor patrimonial debe<\/span>:<\/span>\u00a0<\/span><\/p>\n

    \n
  1. Ayudar al cliente en la\u00a0<\/span>diversificaci\u00f3n de su patrimonio<\/span><\/b>. \u00bfCu\u00e1nto\u00a0<\/span>debe tener\u00a0<\/span>en inmuebles,\u00a0<\/span>de qu\u00e9 tipo\u00a0<\/span>y en qu\u00e9 lugar? \u00bfCu\u00e1nto\u00a0<\/span>en<\/span>\u00a0activos financieros<\/span>, de qu\u00e9 clase<\/span>, tipo<\/span>, emisores<\/span>, en qu\u00e9 pa\u00eds estar\u00e1n custodiados y c\u00f3mo ser\u00e1 la composici\u00f3n de la cartera?<\/span>\u00a0<\/span><\/li>\n
  2. Tener muy claro el\u00a0<\/span>impacto impositivo<\/span><\/b>\u00a0de la posesi\u00f3n<\/span>, flujos\u00a0<\/span>y rentabilidad de los activos del cliente.\u00a0<\/span>El foco debe estar en<\/span>\u00a0maximizar<\/span>\u00a0<\/span>las\u00a0<\/span>ganancias despu\u00e9s de impuestos.\u00a0<\/span>Este tema es fundamental y deben tenerse en cuenta las\u00a0<\/span>normas\u00a0<\/span>del pa\u00eds de residencia fiscal del cliente, como as\u00ed tambi\u00e9n\u00a0<\/span>las\u00a0<\/span>de la jurisdicci\u00f3n de los activos.<\/span>\u00a0<\/span>Entender de planificaci\u00f3n fiscal internacional\u00a0<\/span>marca<\/span>\u00a0la diferencia<\/span>, ya que permite\u00a0<\/span>muchas veces\u00a0<\/span>bajar radicalmente la carga tributaria<\/span>.<\/span>\u00a0<\/span><\/li>\n
  3. Optimizar plenamente los\u00a0<\/span>aspectos cambiarios<\/span><\/b>. El cliente debe poder\u00a0<\/span>disponer\u00a0<\/span>del dinero<\/span>\u00a0y en la divisa que necesita<\/span>,<\/span>\u00a0<\/span>v\u00eda\u00a0<\/span>el precio de compra\u00a0<\/span>m\u00e1s barat<\/span>o o el\u00a0<\/span>precio de venta m\u00e1s alto<\/span>.<\/span>\u00a0Se puede perder o ganar mucho dinero seg\u00fan c\u00f3mo se\u00a0<\/span>instrumente<\/span>n<\/span>\u00a0est<\/span>as operaciones<\/span>.<\/span>\u00a0<\/span><\/li>\n
  4. Personalizar<\/span><\/b>\u00a0el asesoramiento con par\u00e1metros\u00a0<\/span>e informaci\u00f3n\u00a0<\/span>sobre\u00a0<\/span>c<\/span>\u00f3<\/span>mo\u00a0<\/span>es\u00a0<\/span>la estructura familiar y patrimonial<\/span>,\u00a0<\/span>los<\/span>\u00a0<\/span>flujo<\/span>s<\/span>\u00a0de fondos proyectado<\/span>s<\/span>\u00a0(<\/span>ingresos\/<\/span>egresos<\/span>)<\/span>, posici\u00f3n tributaria<\/span>, tolerancia a la volatilidad,\u00a0<\/span>y tener mecanismos para soportar emergencias e imprevistos.<\/span>\u00a0<\/span><\/li>\n
  5. Estar en la\u00a0<\/span>b\u00fasqueda constante de<\/span>\u00a0m<\/span><\/b>inimizar<\/span><\/b>\u00a0(cuando no se puedan eliminar)\u00a0<\/span>los costos<\/span><\/b>\u00a0financieros<\/span><\/b>\u00a0–<\/span><\/b>spreads<\/span><\/i><\/b>\u00a0y comisiones<\/span><\/b>–<\/span><\/b>.<\/span>\u00a0<\/span><\/b>No deja de sorprender cu\u00e1nto dinero los clientes pierden alegremente en esos factores. En un mundo que tiende a la tasa negativa, es un punto clave que no puede soslayarse.<\/span>\u00a0<\/span><\/li>\n
  6. Asistir al cliente en la\u00a0<\/span>planificaci\u00f3n hereditaria y sucesoria<\/span><\/b>, con nociones testamentarias y fiduciarias.<\/span>\u00a0<\/span><\/li>\n
  7. Ayudar al cliente a\u00a0<\/span>proteger su patrimonio<\/span><\/b>, tanto del ataque de terceros como de la futura incapacidad de manejar sus asuntos por cuestiones de vejez, enfermedad o falta de idoneidad. El asesor debe entender de fideicomisos y\u00a0<\/span>trusts<\/span><\/i>.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    E<\/span>n definitiva, el\u00a0<\/span>asesor\u00a0<\/span>d<\/span>e<\/span>biese\u00a0<\/span>estar\u00a0<\/span>interiorizado de\u00a0<\/span>la realidad del cliente y\u00a0<\/span>tener la capacidad, el conocimiento y la experiencia para enfrentar\u00a0<\/span>estos\u00a0<\/span>desaf\u00edos<\/span>.<\/span>\u00a0<\/span><\/p>\n

    La<\/span>s<\/span>\u00a0pregunta<\/span>s<\/span>\u00a0que todo inversor debe hacer<\/span>se<\/span>\u00a0hoy son\u00a0<\/span>dos:<\/span>\u00a0<\/span><\/p>\n

      \n
    1. \u00bf<\/span>cu\u00e1l o cu\u00e1les de estos siete puntos\u00a0<\/span>a\u00fan\u00a0<\/span>no\u00a0<\/span>t<\/span>iene c<\/span>ubiertos<\/span>?<\/span>\u00a0<\/span><\/li>\n<\/ol>\n
        \n
      1. \u00bfc\u00f3mo\u00a0<\/span>piensa\u00a0<\/span>solucionar la situaci\u00f3n para que no se transforme en un problema?<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

        Espero que sirva.<\/span>\u00a0<\/span><\/p>\n

        Lea sobre nuestro servicio de…<\/span><\/b>\u00a0<\/span>GERENCIAMIENTO DE ACTIVOS FINANCIEROS<\/strong><\/a><\/span><\/p>\n<\/div>\n

        Mariano Sard\u00e1ns
        \nCEO de FDI
        \nGerenciadora de Patrimonios<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

        Como inversor, es importante leerlos detenidamente para entender cu\u00e1les son las previsiones a considerar en este nuevo a\u00f1o. <\/p>\n","protected":false},"author":1,"featured_media":5433,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nLos desaf\u00edos \u201c2020\u201d del asesor patrimonial - FDI Gerenciadora de Patrimonio<\/title>\n<meta name=\"description\" content=\"Como inversor, es importante leerlos detenidamente para entender cu\u00e1les son las previsiones a considerar en este nuevo a\u00f1o.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fdinternational.com\/dev\/newsletter\/los-desafios-2020-del-asesor-patrimonial\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Los desaf\u00edos \u201c2020\u201d del asesor patrimonial - 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