Säilyttäjätilejä

Säilyttäjätilejä, known in English as custodian accounts or nominee accounts, are financial accounts held by a third party, typically a financial institution, on behalf of an investor. These institutions act as custodians and hold the securities or other assets in their name, while the beneficial ownership remains with the investor. The primary purpose of a säilyttäjätili is to provide security and administrative convenience for the investor.

These accounts are commonly used for holding various financial instruments such as stocks, bonds, mutual funds, and other securities. The custodian is responsible for safeguarding these assets, processing transactions like trades and dividend payments, and providing regular statements to the investor. This arrangement simplifies the management of a portfolio, especially for investors who hold assets with multiple brokers or custodians.

A key benefit of using a säilyttäjätili is the enhanced security it offers. The custodian institution is regulated and insured, providing a layer of protection against the insolvency of the brokerage firm or other intermediaries. This means that even if the firm holding the account fails, the investor's assets are generally protected. Furthermore, custodians handle the administrative complexities, such as tax reporting and corporate actions, which can be time-consuming for individual investors.

In many jurisdictions, holding securities through a custodian is a standard practice, particularly for institutional investors, but it is also available to individual investors. The specific services and fees associated with säilyttäjätilejä can vary between financial institutions.