Finance and risk control

More wealth in a planned and controlled manner The own assets in a planned and future-oriented management as well as value-enhancing and risk-optimized investment requires the highest degree of Knowledge and time. Not everyone who has achieved a certain level of wealth is also a financial or controlling expert , so it is advisable to […]

Risk diversification & asset protection

Diversification: How to safeguard assets in the long term For those who handle their assets responsibly, risk diversification is a must. Not only since the financial crisis of 2008, the real estate crisis or the last oil crisis, we are aware that our assets and savings in the savings account are not necessarily safe. World […]

Schwarzbuch VW: Duty of risk management

How FIFA, Microsoft, WPs, BP and the Mafia are sued under the same law and pilloried through American glasses, Dr. Johannes Fiala and Dipl.-Math. Peter A. Schramm explain in a multi-part article.   The first part was about the “Racketeer Influenced and Corrupt Organizations Act”, a US federal law that makes this kind of jurisdiction […]

Expert advice: Do brokers risk their commission through fringe benefits?

In the third part of their exclusive article for FONDS professionell ONLINE on additional services provided by brokers, attorney Johannes Fiala and actuary Peter Schramm deal with the question of what consequences additional services can have for the brokerage fee. There is more than just a legal question mark behind various additional services that brokers […]

Are insurance brokers without power of attorney risking their livelihoods?

– Reasons for the implementation of a “Code of Conduct” imposed by the insurer -.   In principle, the principle of freedom of contract also prevails in insurance mediation. If an insurance broker refuses to comply with certain specifications of the insurer and to undertake to do so in advance vis-à-vis the insurer, the insurer […]

Liability risks in the accompanying music

All too often, intermediaries in investment sales blindly rely on external expert opinions and apparent evidence. At the same time, it is precisely the music accompanying the sales prospectus that sometimes provides the reasons to be cautious.   Ralf Werner Barth: “Every advisor is well advised, even obliged, to inform himself carefully about the product […]

High return, no risk, zero cost, lots of trust

Dr. Johannes Fiala and Dipl.-Math. Peter A. Schramm on the pre-programmed investor bankruptcy   An 80-year-old business widow appears at the bank counter with her savings book. “Young man, I want to take off”. Upon further inquiry, “Everything!”. She didn’t care about the interest on advances. Fifteen minutes later, she returns to the checkout counter. […]

Controlling and distribution law: Increasingly large VSH gaps in the area of closed-end funds and investments

*by Johannes Fiala, Lawyer (Munich), Mediator (Univ.), MBA Financial Services (Univ.Wales), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Lecturer (Univ. of Cooperative Education), Banker ( Never do anything by halves, or you’ll lose more than you can ever recover. (Louis Armstrong, American jazz musician, 1900 – 1971) The VSH broker Ralf […]

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Stricter controls to protect consumers

Who was previously allowed to sell policies Who used to be allowed to sell policies If the insurance industry were to gather all its agents in one place – they could populate a city like Nuremberg. At present, a good 400,000 self-employed insurance intermediaries as well as around 7,000 professional brokers and a considerable number […]

Controlling und Vertriebsrecht: Immer größere VSH-Lücken im Bereich geschlossener Fonds und Beteiligungen*

Controlling and distribution law: Increasingly large VSH gaps in the area of closed-end funds and participations*. (Louis Armstrong, American jazz musician, 1900 – 1971) The VSH broker Ralf W. Barth has long recognized ( that with the increasing legal regulation of the intermediary market (EU-VRL, MiFID, VVG reform, etc.) a clear limiting trend in the […]