{"id":149,"date":"2017-03-08T23:49:30","date_gmt":"2017-03-08T23:49:30","guid":{"rendered":"https:\/\/www.connectum.no\/?p=149"},"modified":"2017-08-14T07:56:05","modified_gmt":"2017-08-14T07:56:05","slug":"kundene-blir-lurt-mens-bankene-haver-inn","status":"publish","type":"post","link":"https:\/\/www.connectum.no\/en\/kundene-blir-lurt-mens-bankene-haver-inn\/","title":{"rendered":"Kundene blir lurt mens bankene h\u00e5ver inn"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1489784948302{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1489784952871{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1502464378909{margin-bottom: 20px !important;}&#8221;]Informasjonsdirekt\u00f8r Even Westerveld i DNB har rett i at banken ikke er b\u00f8telagt av Finanstilsynet, slik jeg kom i skade for \u00e5 skrive i mitt debattinnlegg i Finansavisen 17. februar. Etter min korrekte p\u00e5minnelse om \u201dskrapen\u201d tilsynet ga banken, kom jeg i skade for \u00e5 legge til at det ogs\u00e5 var ilagt bot.<\/p>\n<p>Westerveld har imidlertid ikke rett i at n\u00e5r DNB har etterkommet innholdet i Finanstilsynets kritikk for at forvaltningen av fondet DNB Norge \u201dover lang tid har avveket betydelig fra det som investorene er forespeilet\u201d, som tilsynet skrev, s\u00e5 er bankens tvilsomme praksis med \u00e5 prioritere eget produktsalg over kundens interesser vesentlig endret.<\/p>\n<p>Det ligger egentlig i sakens natur. \u00c5 ta kontakt med en bank for \u00e5 f\u00e5 r\u00e5d om hvor du skal plassere pengene er som \u00e5 kontakte OneCall i den tro at du skal f\u00e5 objektive r\u00e5d om hvilket mobilselskap du skal velge.<\/p>\n<h3>Leverer d\u00e5rligere enn markedet<\/h3>\n<p>Westerveld hevder dessuten at \u201dDNB Norge har f\u00e5tt sv\u00e6rt god absolutt avkastning\u201d. If\u00f8lge faktaark DNB selv har produsert, har fondet de siste fem \u00e5rene levert 1.86 prosent d\u00e5rligere enn indeks og de siste ti \u00e5rene 0,21 prosent d\u00e5rligere enn indeks. Vi kan med andre ord trygt sl\u00e5 fast at DNB Norge leverer d\u00e5rligere enn markedet.<\/p>\n<p>S\u00e5 hva skal man forholde seg til, DNBs offisielle tall, eller tall Westerveld velger \u00e5 plukke ut? Det avdekkes stadig i pressen at norske bankers mest popul\u00e6re fond ikke er blant de beste. Og selv om det skulle finnes banker som pynter mer p\u00e5 avkastningen i sine egne produkter enn DNB, kan det ikke herske tvil om at v\u00e5r st\u00f8rste bank, med staten som storeier, dekker sine hensikter som selger av egne produkter med en frakk der det st\u00e5r \u201dr\u00e5dgiver\u201d p\u00e5.<\/p>\n<h3>Selger fra bankens eget &#8220;varelager&#8221;<\/h3>\n<p>En rekke sparere og investorer har kontaktet oss i Connectum i fortvilelse over \u201dr\u00e5d\u201d de har f\u00e5tt i banken. Gjengangeren er at de har f\u00e5tt anbefalt fond som skal v\u00e6re spesielt gode, men som viser seg \u00e5 gi d\u00e5rligere avkastning enn bankrenten. Vi oppdager at banken ikke har stilt sp\u00f8rsm\u00e5l for \u00e5 finne ut hva kunden trenger, men har anbefalt for fra bankens eget \u201dvarelager\u201d som den gjerne vil ha \u00f8kt omsetning p\u00e5. Banken har ikke forklart noe om risiko og kostnader, men utelukkende fokusert p\u00e5 siste \u00e5rs avkastning.<\/p>\n<h3>Skjulte gebyrer<\/h3>\n<p>Dessuten opplever mange at det i tillegg kommer andre kostnader som reduserer den avkastningen kunden sitter igjen med, som for eksempel r\u00e5dgivningshonorarer, kostnader forbundet med kundeprogrammer som Saga, Private Banking osv., samt transaksjonsgebyrer.<\/p>\n<p>I et stadig mer komplisert finansmarked er det nesten umulig for mannen i gata alene \u00e5 vurdere hva som vil v\u00e6re en klok eller dum investering. F\u00f8r vi f\u00e5r flere fullstendig uavhengige r\u00e5dgivere, vil refrenget dessverre forbli: Kundene blir lurt mens bankene h\u00e5ver inn.<\/p>\n<p><strong><em>Av: Nils-Odd T\u00f8nnevold, Partner og r\u00e5dgiver i Connectum. Han har 25 \u00e5rs erfaring fra finansiell r\u00e5dgivning.<\/em><\/strong><\/p>\n<p style=\"margin-top: 35px;\">Del innlegget:<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>\u00c5 kontakte banken for sparer\u00e5d, er som \u00e5 kontakte OneCall for objektive mobilr\u00e5d, hevder Nils-Odd T\u00f8nnevold i Connectum.<\/p>\n","protected":false},"author":1,"featured_media":1340,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,11],"tags":[7],"class_list":["post-149","post","type-post","status-publish","format-standard","hentry","category-finans-og-markeder","category-forvaltning","tag-forvaltning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kundene blir lurt mens bankene h\u00e5ver inn - Connectum<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/connectum.no\/kundene-blir-lurt-mens-bankene-haver-inn\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kundene blir lurt mens bankene h\u00e5ver inn - 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