lördag 24 januari 2009

Acta sig för norrmän?

Enligt mediauppgifter så verkar finansinspektionen närmast översvämmad av klagomål om den norska finansiella rådgivaren Acta. Acta är ju en aktör som varit väldigt aggressiv de senaste åren och man har marknadsfört sig som en rådgivare som faktiskt jobbar för dig som kund till skillnad mot ”alla andra” som mest ser till sitt eget bästa.
Främst så har Acta sålt olika form av ”förpackade” investeringar i många lite mer för privatpersoner ovanliga investeringar. Det har varit aktieindexobligationer, kreditobligationspaket, andelar i onoterade fastighetsbolag, andelar i private equity fonder, infrastrukturinvesteringar mm. I vissa fall har man förpackat ihop egna produkter ,i vissa fall som motpartsobligationer, i vissa fall har man startat aktiebolag för olika investeringar och sålt onoterade aktier till allmänheten och i andra fall så har man helt enkelt sålt andra bankers produkter. Flest klagomål till finansinspektionen har kommit främst på andra banker som ex. Lehman Brothers produkter vilket kanske inte är så konstigt.

Att diversifiera sina tillgångar är i grunden något bra. Att lägga alla ägg i samma korg kan som sagt kanske inte vara det bästa. Välskötta fastigheter, infrastruktur och skog kan mycket väl vara goda investeringar om dom köps till rätt pris vill säga. Vad däremot Acta många gånger har gjort felaktigt mot kunderna är att man brustit i sin rådgivning. Man har t.ex. inte informerat om riskerna med belånade aktieindexobligationer.

En AIO fungerar i normalfaller ju på så sätt att man köper en AIO för X kronor och sedan har man en garanti att få tillbaka X kronor om några år plus en ev. avkastning till något obskyrt knepigt aktieindex eller guldpris eller vad det nu var frågan om. Men pengarna som man satsar har man alltid en garanti från banken att få tillbaka. Man kan också lägga i en belåning i produkten dvs att man inte behöver satsa X kr utan X-Y kr där Y är lånets storlek. Detta ger då kunden en hävstång där det garanterade beloppet kanske är något mindre än det satsade kapitalet men i gengäld så kan man då få en betydligt bättre avkastning samtidigt som garanti alltid är större än lånets storlek och man därigenom kan uppleva ta låg finansiella risk med bra avkastningspotential. Många av lånen konstruerades också på så sätt att investeraren slapp likvidförda räntan utan denna skuldbokfördes bara och löste ut i en klumpsumma när AIO löser ut.

Satsar man ex. 500 000kr i en AIO med eget kapital och aktuellt index stiger med 40% på 5 år Så tjänar man just 40%. Satsar man istället 200 000kr i eget kapital i denna AIO och tar ett ”AIO lån” på 300 000kr så blir avkastningen på eget kapital 72% om vi räknar med en 5% låneränta.

Vad Acta glömde informera kunderna om var att man tog inte bara marknadsrisk och kreditrisk utan även en motpartsrisk till banken i detta fall ex. Lehman Brothers. När Lehman gick omkull så blev AIO värdelös medan banken skickade en faktura till kunden att betala in 300 00kr. Det satsade beloppet hade såldes vänts till en skuld och förlusten blev 500 000kr på satsade 200 000kr.

Personligen anser jag att många typer av dessa produkter som exempelvis Acta sålt i mångt och mycket är menigslösa. AIO och andra strukturerade obligationer är något som inte behövs!
Vill du köpa alternativa investeringar så köpa den ”äkta varan”. Vill du äga fastigheter så starta bolag och köp fastigheter!, vill du äga skog så köp skog! Vill du inte satsa själv så satsa dina pengar i ett bolag i vissa fall kanske en fond som köper de tillgångar du är ute efter och någon som du litar på men sätt dig in i en situation där dina tillgångar egentligen inte finns om din bank skulle gå i konken.

82 kommentarer:

  1. Problemet ligger i att man skapat egna indexobligationer som man byggt på ett sådant sätt att det i princip varit omöjligt för dem att ge ngn avkastning. Det har varit känt från början av dem som vet hur man analyserar dessa produkter.

    http://www.dn.no/privatokonomi/article1588106.ece

    http://www.dn.no/privatokonomi/article1588096.ece

    http://www.aftenbladet.no/lokalt/975925/Kunder_kan_kreve_millioner_ogsaa_fra_lokale_banker.html

    http://www.na24.no/article2510590.ece



    I Norge har man uppmärksammat detta och något som heter Bankklagenemnda har givit en kund rätt att kräva tillbaka sina pengar om inte banken i detta fall ( dnbnor) kan bevisa att det fanns rimlighet i att kunden med omkostnader, ränta skulle kunna tjäna pengar på produkten.

    Acta har enbart sålt denna typ av produkter som från början varit varit dödsdömda.

    SvaraRadera
  2. Nu är det ju inte alltid ngt obskyrt index som används utan även OMXS30 eller Eurostoxx. Man räknar heller inte 40% uppgång ger 40% uppgång utan det är olika från AIO till AIO och beror på hur mycket risken kostar på likviddagen. Min åsikt är att informationen är dålig och det är där man ska lägga krutet från FI. Många AIO är "onödiga" som man till viss del kan efterlikna själv, sällan helt. Det finns dock AIOs där optionsdelen är utformad som en viss strategi. Johan Tjeder har en rätt trevlig blogg för den intresserade http://atlantprotect.se/

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  3. Själv har jag fått en post av Actas fastigheter av min kära mormor. Jag har ingen uppfattning om hur bra investeringen är, bara att alla avgifter är skyhöga och att de tar 5% i avgift bara för att få sälja skiten. Har ingen aning om hur jag ska behandla dessa aktier och blir bara arg av att läsa om eländet. Av denna anledning har jag bara låtit dem vara. om någon har något tipps tar jag gärna emot det.

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  4. det är just sånt här man är livrädd för som nybörjare på det här med aktier och sparande! Tack för tipset! Nu vet man!

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  5. Avgifterna för ACTAS fastigheter

    Om prisen på en eiendom tilsvarer 100 kroner, vil 30 av disse kronene være egenkapital fra investor.

    Acta tar da følgende gebyrer:

    Seks prosent av 100 kroner = 6 kroner

    To prosent av 30 kroner = 0,6 kroner

    Årlige 0,35 prosent av 100 kroner = 0,35 kroner

    Sum = 6,60 + 0,35 kroner per år

    For en egenkapitalinvestering på 30 kroner er etableringshonorarene dermed 22 prosent.

    I tillegg tar Acta tre prosent av markedsverdi om du vil selge deg ut av investeringen.

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