Säilyttäjätilit

Säilyttäjätilit, known in English as custodian accounts or custody accounts, are financial accounts held by an intermediary, typically a bank or a specialized financial institution, on behalf of an investor. These accounts are used to hold and safeguard an investor's financial assets, such as stocks, bonds, mutual funds, and other securities. The primary purpose of a säilyttäjätili is to provide security and efficient management of these assets.

The intermediary, or custodian, acts as a trustee, ensuring that the investor's assets are segregated from the custodian's own assets. This segregation is a crucial protection mechanism, especially in cases of the custodian's financial distress. The custodian is responsible for executing buy and sell orders as instructed by the investor, collecting dividends and interest payments, processing corporate actions like stock splits or mergers, and providing regular statements of account activity and holdings.

Säilyttäjätilit are commonly used by institutional investors such as pension funds, mutual funds, and insurance companies, as well as by individual investors who want to outsource the safekeeping and administrative aspects of their investment portfolios. They offer a layer of professional management and security, simplifying the process of investing and reducing the risk of loss or theft of assets. The specific services offered can vary between custodians, but generally include asset safekeeping, transaction settlement, asset servicing, and reporting.