Sijoitusneuvonta

Sijoitusneuvonta, or investment guidance, refers to professional advice given to individuals or organizations about investment decisions and financial products. The service aims to help clients define investment objectives, assess their risk tolerance, and choose suitable instruments such as funds, stocks, bonds, or other claims. Sijoitusneuvonta is distinct from broader financial planning or active asset management, though it may overlap with these services when a client’s goals and circumstances are considered.

Providers of sijoitusneuvonta include banks, investment firms, and independent advisory companies. The advice can be independent, covering a wide range of products and providers, or tied to a narrower set of products from specific issuers. The independence of the adviser can influence conflicts of interest and the breadth of product recommendations, and it is a key factor for clients to consider when evaluating the service.

In Finland, sijoitusneuvonta is regulated under national and European framework conditions, notably MiFID II, and overseen by the Financial Supervisory Authority (Finanssivalvonta). Providers must assess suitability, disclose all material costs, and identify and manage conflicts of interest. They are typically required to document the advice given and the basis for recommendations, ensuring that guidance aligns with the client’s stated objectives and risk tolerance.

Clients seeking sijoitusneuvonta should verify the adviser’s authorization to provide investment advice, clarify whether the service is independent or linked to specific products, request a written recommendation or report, and understand the accompanying costs and potential conflicts of interest. Regular review of the guidance and its assumptions is advised as circumstances change.