The document discusses moving from an event-based marketing strategy to an always-on strategy. It identifies five main challenges that financial marketers face in pursuing an always-on approach: 1) the perception that social media is free when it requires resources, 2) lack of buy-in from top management, 3) siloed organizations, 4) legal and compliance concerns, and 5) difficulties measuring success. However, it notes examples like BlackRock that have found success with an always-on strategy on LinkedIn. It argues a shift is happening as senior management sees the benefits for trust-building, customer service, and talent attraction. It advises convincing stakeholders by pointing to personal experiences on social media and competitors' successes with
Cardinal Ricardo Gordo was born in 1926 in Valencia, Spain. He was ordained a priest in 1951 and became Bishop of Tortosa in 1969. In 1990, he was appointed Archbishop of Barcelona, a position he held until retiring in 2004. He was made a cardinal in 1994. Cardinal Gordo passed away in 2013 at the age of 87, leaving 199 total cardinals, 109 of whom are eligible to vote in a future papal conclave.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Cardinal Raffaele Farina was born in Italy in 1933 and ordained as a priest in 1958. He served as Prefect of the Vatican Library from 1997 to 2007 and was ordained as a bishop in 2006. In 2007, he was named Librarian and Archivist of the Church and created a cardinal. He retired in 2012 after a career as a professor, editor, and seminary rector. With his 80th birthday, the College of Cardinals had 201 members, with 110 under 80 and eligible to vote in a future papal conclave.
Huurders en woningzoekenden verwachten een betere online dienstverlening van woningcorporaties. Dat is niet langer een noviteit maar noodzakelijke voorwaarde om klantgericht en efficient te opereren.
This document lists various artistic representations of the Nativity of Mary from the 14th to 16th centuries. It includes oil paintings, wood carvings, sculptures, stained glass windows, and frescoes depicting the birth of the Virgin Mary by artists such as Domenico Beccafumi, Master of Joachim and Anne, Vittore Carpaccio, Giotto di Bondone, Francisco de Zurbarán, and Juan de Borgoña. The works are from locations across Europe, including Italy, France, and Spain.
Cardinal Simon Pimenta was born in India in 1920 and ordained as a priest in 1949. He became an auxiliary bishop of Bombay in 1971 and was made coadjutor in 1977. Pimenta succeeded as bishop of Bombay in 1978 and was created a cardinal by Pope John Paul II in 1988, retiring in 1996. He earned several advanced degrees and served three terms as president of the Indian Bishops conference. Pimenta died in 2013 at the age of 93.
The document discusses moving from an event-based marketing strategy to an always-on strategy. It identifies five main challenges that financial marketers face in pursuing an always-on approach: 1) the perception that social media is free when it requires resources, 2) lack of buy-in from top management, 3) siloed organizations, 4) legal and compliance concerns, and 5) difficulties measuring success. However, it notes examples like BlackRock that have found success with an always-on strategy on LinkedIn. It argues a shift is happening as senior management sees the benefits for trust-building, customer service, and talent attraction. It advises convincing stakeholders by pointing to personal experiences on social media and competitors' successes with
Cardinal Ricardo Gordo was born in 1926 in Valencia, Spain. He was ordained a priest in 1951 and became Bishop of Tortosa in 1969. In 1990, he was appointed Archbishop of Barcelona, a position he held until retiring in 2004. He was made a cardinal in 1994. Cardinal Gordo passed away in 2013 at the age of 87, leaving 199 total cardinals, 109 of whom are eligible to vote in a future papal conclave.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Cardinal Raffaele Farina was born in Italy in 1933 and ordained as a priest in 1958. He served as Prefect of the Vatican Library from 1997 to 2007 and was ordained as a bishop in 2006. In 2007, he was named Librarian and Archivist of the Church and created a cardinal. He retired in 2012 after a career as a professor, editor, and seminary rector. With his 80th birthday, the College of Cardinals had 201 members, with 110 under 80 and eligible to vote in a future papal conclave.
Huurders en woningzoekenden verwachten een betere online dienstverlening van woningcorporaties. Dat is niet langer een noviteit maar noodzakelijke voorwaarde om klantgericht en efficient te opereren.
This document lists various artistic representations of the Nativity of Mary from the 14th to 16th centuries. It includes oil paintings, wood carvings, sculptures, stained glass windows, and frescoes depicting the birth of the Virgin Mary by artists such as Domenico Beccafumi, Master of Joachim and Anne, Vittore Carpaccio, Giotto di Bondone, Francisco de Zurbarán, and Juan de Borgoña. The works are from locations across Europe, including Italy, France, and Spain.
Cardinal Simon Pimenta was born in India in 1920 and ordained as a priest in 1949. He became an auxiliary bishop of Bombay in 1971 and was made coadjutor in 1977. Pimenta succeeded as bishop of Bombay in 1978 and was created a cardinal by Pope John Paul II in 1988, retiring in 1996. He earned several advanced degrees and served three terms as president of the Indian Bishops conference. Pimenta died in 2013 at the age of 93.
Cardinal Lorenzo Antonetti was an Italian cardinal born in 1922 who served in several diplomatic roles for the Catholic Church, including in Honduras, Nicaragua, Congo, and France. He later served as President of the Patrimony of the Holy See from 1995-1998. Pope John Paul II made him a cardinal in 1998, after which he retired. Cardinal Antonetti died in 2013 at the age of 90.
Cardinal Medardo Mazombwe was the first native Zambian cardinal. He was born in 1931 in Chundamira, Zambia and ordained as a priest in 1960. Mazombwe served as the Archbishop of Lusaka from 1996 until his retirement in 2006. Although he was created a cardinal in 2010, Mazombwe never had the opportunity to vote in a papal conclave as he passed away in 2013.
This document introduces an all-in-one management platform called "Quick Questions?" that allows users to view everything in real time from a cloud-based paperless system. The platform provides central managers, staff and operators, and owners with modules to manage communications, safety, planning, tasks, reporting, documents, CRM, accounts, and finances. It aims to make management integrated, rational, safe, simple, collaborative, communicative, user-friendly, fast, efficient and effective. The starter kit includes contact, cash, lead, ISM, report, crew, and budget modules built around a core lead module.
Cardinal Ersilio Tonini was an Italian cardinal of the Catholic Church. He was born in 1914 and ordained as a priest in 1937. He served as Bishop of Macerata e Tolentino from 1969-1975 and Archbishop of Ravenna e Cervia from 1975-1990. Although he was made a cardinal at age 80 in 1994, after the usual retirement age of 75, as a way for Pope John Paul II to honor his long service. He died in 2013 at the age of 99, having never voted in a papal conclave due to being over the age limit.
LinkedIn - Institutional Investing in the 21st CenturyJonathan Kay
Nearly three-quarters of institutional investors in Europe use social media like LinkedIn for financial information and investing decisions. LinkedIn is the most popular and trusted social platform, used by over 40% of investors. After consuming information on social media, many investors take action like further research, choosing to work with particular companies, making investment recommendations or decisions. Institutional investors turn to LinkedIn especially for in-depth subject matter education and researching asset management firms. They are 4 times more likely to use LinkedIn over other social platforms for these purposes.
Cardinal Lorenzo Antonetti was an Italian cardinal born in 1922 who served in several diplomatic roles for the Catholic Church, including in Honduras, Nicaragua, Congo, and France. He later served as President of the Patrimony of the Holy See from 1995-1998. Pope John Paul II made him a cardinal in 1998, after which he retired. Cardinal Antonetti died in 2013 at the age of 90.
Cardinal Medardo Mazombwe was the first native Zambian cardinal. He was born in 1931 in Chundamira, Zambia and ordained as a priest in 1960. Mazombwe served as the Archbishop of Lusaka from 1996 until his retirement in 2006. Although he was created a cardinal in 2010, Mazombwe never had the opportunity to vote in a papal conclave as he passed away in 2013.
This document introduces an all-in-one management platform called "Quick Questions?" that allows users to view everything in real time from a cloud-based paperless system. The platform provides central managers, staff and operators, and owners with modules to manage communications, safety, planning, tasks, reporting, documents, CRM, accounts, and finances. It aims to make management integrated, rational, safe, simple, collaborative, communicative, user-friendly, fast, efficient and effective. The starter kit includes contact, cash, lead, ISM, report, crew, and budget modules built around a core lead module.
Cardinal Ersilio Tonini was an Italian cardinal of the Catholic Church. He was born in 1914 and ordained as a priest in 1937. He served as Bishop of Macerata e Tolentino from 1969-1975 and Archbishop of Ravenna e Cervia from 1975-1990. Although he was made a cardinal at age 80 in 1994, after the usual retirement age of 75, as a way for Pope John Paul II to honor his long service. He died in 2013 at the age of 99, having never voted in a papal conclave due to being over the age limit.
LinkedIn - Institutional Investing in the 21st CenturyJonathan Kay
Nearly three-quarters of institutional investors in Europe use social media like LinkedIn for financial information and investing decisions. LinkedIn is the most popular and trusted social platform, used by over 40% of investors. After consuming information on social media, many investors take action like further research, choosing to work with particular companies, making investment recommendations or decisions. Institutional investors turn to LinkedIn especially for in-depth subject matter education and researching asset management firms. They are 4 times more likely to use LinkedIn over other social platforms for these purposes.
2. Om ETF’er
Dansk Aktionærforening generalforsamling 18. marts 2013
Hans Peter Christensen, HD (fr)
• Direktør og rådgiver, Uvildige.dk
• Ekstern Lektor ved Aalborg Universitet
• Medlem af lokalbestyrelsen og repræsentantskabet
Finansiel optimering www.uvildige.dk
3. Betydning for den rigtige investering
Strategisk: Skal jeg investere og i hvad?
Taktisk: Gøre det selv eller på mandat?
Operationelt: Hvilket papir købes?
Finansiel optimering www.uvildige.dk
5. Investeringsforeninger
• Underlagt dansk lov, men den er baseret på UCITS
• Handles på investeringsforeningsbørsen
• Indløsningspligt – ofte stort spread
• Ofte meget dyre pga. provisionsaftaler
• ÅOP – maksimal omkostning p.a. (7 års ejertid)
• ”Drives” af banker og sparekasser
• Ofte aktivt forvaltet (teoretisk)
Finansiel optimering www.uvildige.dk
6. ETF’er - UCITS
• Underlagt EU lov, kan variere lidt fra land til land
• Handles på flere børser med ofte små spread
• Relativt billige
• TER – inkl. ikke kurstab ved køb køb / salg
• ”Drives” af internationale banker og kapitalforvaltere
• hjælp af AP’ere
• Ofte passive indeksfonde
Finansiel optimering www.uvildige.dk
9. Inv.foreninger vs. ETF’er (Ucits fonde)
• Faktisk meget ens (især hvis fysisk!)
• Samme risikomærkning (gul)
• Vi har haft ETF-lignende forhold i mange år
• Største forskelle
• passiv vs. aktiv
• Omkostninger / provision
Finansiel optimering www.uvildige.dk
12. Min holdning til Aktiv vs. Passiv
• Aktive fonde tager et ”bet” som du betaler for
• Ok, hvis du er enig i den strategi
• Passive er fundamentet men aktive kan bruges
• På en del af porteføljen
• til visse aktivklasser / strategier
• Skeln imellem ”ægte” og pseudoaktive !!
Finansiel optimering www.uvildige.dk
17. ETF’er – Ulemper
• Skattemæssig behandling
• Lagerbeskattet (kun problem for frie midler)
• A’conto udbytteskat, tilbagesøgning
• Anden handelsvaluta – kræver veksling
• Men giver ikke øget valutarisiko
• Gebyrer i din ”normale” bank
• Højere kurtage, depotgebyrer for udl. VP
Finansiel optimering www.uvildige.dk
18. ETF’er – fordele
• De lave omkostninger
• Løbende
• Ind / ud
• Kæmpe udvalg
• Aktivklasser
• Snævre / brede fonde
• Samme sikkerhed (ved at se dig lidt for)
Finansiel optimering www.uvildige.dk
24. Passive / billige alternativer findes også i DK
• Sparindex (alle passive og billige)
• Optimalpension (sammensat af ETF’er)
• Danske invest (et par indeksfonde, ok pris)
• Nordea invest (et par indeksfonde, ok pris)
• Alfred berg (en indeksfond, men ikke så billig)
• Maj invest (aktive, men billige – kun nogle afdelinger!)
Finansiel optimering www.uvildige.dk
25. Aktuelt for dig?
• Holdning til aktiv / passiv
• Egne investeringer er aktive!
• Skattemiljø og praktisk håndtering
• Omkostninger – hvor handler du henne?
Finansiel optimering www.uvildige.dk
26. Kontakt os hvis du har brug for hjælp
Hans Peter Christensen
www.uvildige.dk Aalborg
Tlf. 26 84 68 85
Finansiel optimering www.uvildige.dk