펀드 슈퍼마켓 이야기 1

 '펀드 슈퍼마켓'

아직은 익숙하지 않은 용어입니다.

정확한 용어는 'Fund platform'이 맞습니다.

그럼 'Fund platform'이란 무엇일까요?

Fund platform

From Wikipedia, the free encyclopedia

Fund platforms fall into two distinct groups: fund wraps and fund supermarkets. Both are services that enable investors to buy investments simply online – usually at a discounted rate. In many cases the investments purchased can then be held on the Platform in a range of tax efficient wrappers. The investments that can be purchased via each Platform varies depending on the service provider too. Investment platforms like these are available in the UK. This type of investment vehicle, is provided by a Wrap Service or Fund Supermarket provider. Shares, bonds and a range of funds from literally hundreds of fund managers can be held in many of them but it does vary from provider to provider. Individual investors can usually hold a range of investments within several different types of 'tax wrapper', such as:

• Individual savings accounts (ISAs)
• EPPs
• QSPs or MIPS
• Personal Equity Plan (PEPs)
• offshore or onshore investment bonds (also called insurance bonds)
• personal pension plan, either insured personal pensions or Self-invested personal pension (SIPPs).

The investments you can buy via these services and often hold on the platform itself can include:

• direct mutual funds (i.e. Unit Trust or OEIC) or investment trust or SICAV holdings
• individual equities, corporate bonds
• cash
• EFTs
• VCTs
• hedge funds
• gilts
• structured products
• property partnerships.

These fund platforms are not really products, they are services that enable investors to buy and often hold their investments online all in one place, with a degree of flexibility to switch investments around as their lives change without having to keep paying high charges for buying and selling them. Many provide the opportunity to buy assetsin-specie, which helps the investor to switch investment without unnecessary charges. These services also cut down on paperwork as transactions are centralised.

Wrap services are online services where investors access their account details online. Fund Supermarkets are generally more transactional and are used for buying funds cheaply online – either by a financial adviser (on behalf of a client) or by the investor themselves.

Many investors choose to take independent financial advice, in the selection of a fund platform provider, in the selection of funds and 'tax wrappers' and in the ongoing monitoring of performance.

' 대형할인점 진열대에 상품이 품목별 종류별로 진열된 것을 상상해 보세요.' 거기엔 같은 상품이라도 브랜드나 제조사가 다른 여러 상품이 진열돼 있습니다. 자 그러면 소비자는 구매 목적에 따라 품질과 가격을 비교 검토해 보고 제품을 구매할 것입니다. 동네 구멍가게가 아니니 품목도 다양하고, 상품의 양도 풍부할 것입니다. 이처럼 각종 펀드를 각 자산운용사가 나름 명예를 걸고 상품을 출시해 그 진열대에 진열하고, 소비자는 자기가 필요한 펀드를 바구니에 담기만 하면 됩니다.

Source; http://en.wikipedia.org/wiki/Fund_platform