Do not be fooled by another Amber Gold – Interia

Pyramid schemes will still be formed / © 123RF / Picsel

After the recent bankruptcies SK Bank and several credit unions, many people already know about the existence of the Bank Guarantee Fund. Thanks to him, in case of bankruptcy of the bank’s clients regain their savings to the equivalent of 100 000 euro.

Less is widespread but knowledge that their guarantee schemes in the event of bankruptcy also have brokerage houses and insurance companies. In the case of investment protection has a different character than the BFG. It consists in the fact that paid by the investors, the measures have never become the property of TFI. They do not form part of the bankruptcy estate, and so even if TFI falls, the recovery of money should not be difficult. Moreover, additional oversight of the actions of TFI is called. custodian bank.

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It is also worth noting that such companies operate on the basis of rules which have minimized risk of bankruptcy and are supervised by the Financial supervision Authority. But there are also companies that without the authorization of the Commission carry out activities reserved for banks or brokerage houses. Such entities KNF placed on the so-called. the list of warnings public. Unfortunately, it is still a lot of them. In the statement, which still bears the name of Amber Gold (in liquidation), there are as many as 62 items. If we want to entrust money to a company, you should check whether it is on the black list, available on the website of the Financial Supervision Authority.

Note, however, that heavy losses have been incurred not only by the confidence swindler or bankruptcy, which entrusted the money. Even investing through the largest bank or brokerage house can lose savings. It is important also because of what and how to invest. First, keep in mind the principle that you do not put all the eggs in one basket. Each investment is subject to certain risks. However, if you divide your savings into several parts, even if one of them will bring losses, others can make a profit, which will make the performance of the overall portfolio will be satisfactory.

Another rule is to invest only in products, we understand and which are adapted to your preferences. For example, if we do not have the knowledge or time to analyze the situation of listed companies, we should not invest in stocks. Instead, we can do it through a mutual fund. But this is on condition that we accept high risk. Such a fund is managed as true experts, but even they do not work out a satisfactory performance when share prices are falling.

If you expect an attractive return, but we do not want to risk incurring large losses, we can choose the products for which the risk it is smaller. They can be eg. Bonds issued by large and stable company. They offer usually much higher interest rates than bank deposits. Another solution may be structured products. They have built-in mechanisms to minimize the risks. For example, they can ensure that in the worst case, recover all the money paid. But it is worth to pay attention not only to the warranty, but also to the fact that investing in a structured product. Another solution to meet such requirements are some of the investment funds. For some of them objective is not to maximize profit, but its steady growth, as well as minimizing the risk of significant losses.