Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

De AFM laat de consument links liggen

Posted on June 20, 2014 at 10:00 AM

Op deze morgen valt mijn mond open van verbazing over de berichten die vanuit de AFM komen.

 

Defined benefit <–> Defined contribution-pensioen

 

De door mij tot nu toe hoog geachte bestuurder Theodor Kockelkoren hield een speech op een congres met pensioendeskundologen en zette ze in een richting, die alleen voor financiële technocraten begrijpelijk is. Hij legt de bijl aan de stam van het pensioenstelsel zoals we dat in Nederland kennen en wat recht doet aan wat pensioen in feite is en al sinds de oertijd geldt. Wanneer je niet meer kunt ‘jagen’ (door ouderdom, ziekte of overlijden) zorgen anderen er voor dat jij door kunt leven. Met geld dat jij en anderen bijeen hebben gebracht. En als het even tegen zit dan zullen jij en die anderen daar iets aan moeten doen.

Maar Kockelkoren benadert het van het geldprincipe: hoeveel leg IK in en hoeveel krijg IK er uit? En als die uitkomst onrechtvaardig is (of voelt) dan moet het maar anders. Dan heb IK er in ieder geval geen last van als het bij ANDEREN wat minder gaat.

Gevolg is wel dat als het MIJ wat minder gaat ik er ook niet op hoef te rekenen dat ANDEREN dan bij zullen springen. Waar dat toe leidt kun je in Amerika goed zien.

 

Wat mij betreft een volstrekt verkeerd uitgangspunt voor de komende pensioendiscussie. Ook nog eens over de hoofden van de financieel bewusteloze consument heen.

 

Ik vind het oké als we het met elkaar gaan hebben over hoever je moet gaan in de solidariteit. Moet je met elkaar zorgen dat (enkelen) ieder jaar tot hun negentigste een cruise kunnen maken? Of moeten we voorkomen dat we net niet omkomen van de honger?

Maar het uitgangspunt moet blijven gelden: pensioen is een verzekering met per definitie onvergelijkbaarheid van inleg en uitkomst.

 

Pluim voor banken en verzekeraars

 

Verder krijgen banken een verzekeraars vandaag een pluim op de hoed (of ergens anders) geplaatst, die – zeker op dit moment – zeeeer misplaatst is. Met een kop op de site van de AFM “Banken en verzekeraars handelen geleidelijk meer in het belang van de klant”, daarbij aangevend dat ze een 3,5 op een 5-puntenschaal scoren, geeft de AFM een signaal af dat het wel goed zit met die banken en verzekeraars. Als eenvoudige denker zie ik ze dus een rapportcijfer van 7 krijgen (‘ruim voldoende’;) wat kan leiden tot een achterover-leun-effect bij banken en verzekeraars. Want of ze de ambitie zullen hebben richting een 5 (= 10) te gaan vraag ik me af.

 

Waar baseert de AFM zich op?

 

Via de actie www.verteljebankdewaarheid.nl hebben we met 2.000 mensen van de NVB geëist om een grootschalig, objectief onderzoek onder consumenten te houden over de houding van banken. De NVB heeft de eis welwillend in ontvangst genomen, maar nog niet toegezegd er ook iets mee te zullen doen. Dus hoe weten we dan eigenlijk of consumenten zelf ervaren dat hun belang (weer) meer centraal komt te staan?

 

Woekerpolissen

 

Over de beleggingsverzekeringen lees ik in het Financieele Dagblad: “De Hollander (hoofd toezicht financiële ondernemingen van de AFM) noemt het dossier beleggingsverzekeringen als voorbeeld. ‘We zeggen: benader die klant nou zo persoonlijk mogelijk. Schrijf geen brief, maar bel ze tot er contact is gelegd.”

 

Huh?!!! Als eerste moeten de al twintig jaar bekende productgebreken opgelost worden: Snijden in de nog steeds bovenmatige kosten en een premie voor het overlijdensrisico vragen, die recht doet aan verbeterde levensverwachtingen.

 

Eens, ook dan nog kan de (dan inmiddels weer tot ‘beleggingsverzekering’ geworden) woekerpolis nog steeds niet doen wat men ervan had verwacht. Maar dat komt omdat er prognosekapitalen zijn afgegeven op 8% tot 12% en de klant vervolgens in de gelegenheid gesteld werd om in ‘vastrentende waarde te beleggen’. Die vuiligheid kan daarna worden opgeknapt.

 

AFM ‘uit de tijd’ (?)

 

Ik heb de AFM zien ontstaan tijdens mijn tijd bij de Consumentenbond. Er was ook veelvuldig overleg. De ambities waren hoopgevend. Voor de consument. Maar zo langzamerhand zie ik een financieel technocratische toezichthouder, gevuld met ambitieuze jonge mensen (HRM-doelstelling AFM) die vaak – denk ik – niet eens weten waarom de AFM er moest komen die het echte consumentenbelang uit het oog dreigen te verliezen.

 

Beste AFM: er zijn nog wel meer zaken aan te pakken; ik noem ze in mijn boek ‘De consument is financieel bewusteloos . . .nou en?’ Zoals

 

- Betalingsverkeer via een aparte Betaal-Bank, los van de commerciële banken

- Veel betere vergoeding voor in beheer gegeven geld (spaarrentes)

- Geen geklooi met spaargeld, zoals een dapkanconstructie

- Veel betere begeleiding bij aan gaan van krediet

- Geen (stiekume) woekerrentes bij krediet

- Winstdelende lijfrenten

- Geen bovenmatige vermogensbeheerkosten.

- Etc.

 

Nee, van deze houding van de AFM word ik zeer verdrietig. (Nog zacht uitgedrukt. Ik ben er gewoon boos over.)

Categories: Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

1122 Comments

Reply yeezy 350 v2
9:13 PM on January 16, 2022 
Thank you a lot for giving everyone an extraordinarily brilliant chance to read from here. It is usually very brilliant and stuffed with a great time for me and my office co-workers to search your web site a minimum of 3 times a week to learn the newest guidance you have. Not to mention, I am also actually pleased with the magnificent methods you give. Certain 4 points in this article are surely the finest we have all had.
yeezy 350 v2 http://www.yeezy350v2s.com
Reply kd12
8:29 PM on January 16, 2022 
My husband and i were quite relieved Peter managed to round up his inquiry through your precious recommendations he grabbed from your very own web site. It is now and again perplexing just to be giving away facts that many people today may have been selling. We really realize we need you to appreciate because of that. Most of the illustrations you have made, the straightforward site menu, the relationships your site give support to engender - it's all superb, and it's really aiding our son and the family know that the concept is entertaining, and that's seriously essential. Thanks for all the pieces!
kd12 http://www.kd12.org
Reply supreme clothing
8:27 PM on January 16, 2022 
I simply had to thank you so much again. I'm not certain the things that I could possibly have achieved in the absence of the entire secrets revealed by you concerning such a subject. It had been the difficult issue in my position, but taking note of the expert way you solved that took me to jump for joy. I am grateful for your information and then believe you are aware of a powerful job you happen to be carrying out instructing some other people via your site. I know that you've never got to know any of us.
supreme clothing http://www.supremes.us.org
Reply kd shoes
8:25 PM on January 16, 2022 
I simply wished to thank you very much once again. I am not sure the things I would have worked on without those tricks revealed by you about that problem. This has been a depressing difficulty in my position, nevertheless coming across your specialized manner you dealt with the issue took me to weep over gladness. I'm just thankful for this assistance and as well , pray you recognize what a powerful job that you're carrying out teaching the mediocre ones thru a site. I know that you have never encountered all of us.
kd shoes http://www.kd12.us.com
Reply alexander mcqueen outlet
6:30 PM on January 16, 2022 
Thank you for your whole hard work on this site. Kate delights in managing investigations and it's simple to grasp why. My spouse and i notice all relating to the lively form you deliver precious techniques through the web blog and in addition boost response from other ones on the concern so my child is truly being taught so much. Take pleasure in the remaining portion of the new year. You are always conducting a splendid job.
alexander mcqueen outlet http://www.alexandermcqueenoutlet.us
Reply yeezy 350
6:30 PM on January 16, 2022 
I simply wished to say thanks all over again. I'm not certain what I might have taken care of in the absence of the entire secrets discussed by you directly on such a situation. It became a daunting issue in my circumstances, but coming across the specialised avenue you handled the issue took me to leap with contentment. Extremely grateful for this information and thus have high hopes you really know what a great job that you're providing training people today by way of a blog. I know that you have never met any of us.
yeezy 350 http://www.yeezy350s.com
Reply authentic jordans
6:27 PM on January 16, 2022 
I am glad for writing to let you understand of the beneficial encounter my girl obtained reading your site. She picked up many pieces, most notably how it is like to possess a great helping mindset to let other people clearly understand chosen grueling topics. You actually did more than visitors' desires. Many thanks for distributing such effective, healthy, explanatory not to mention fun thoughts on that topic to Mary.
authentic jordans http://www.jordansforcheap.us.com
Reply yeezy
5:38 PM on January 16, 2022 
I'm commenting to make you understand what a excellent encounter my wife's girl gained reading the blog. She noticed too many details, not to mention how it is like to possess an ideal giving mood to have many more easily master certain complicated subject matter. You actually exceeded visitors' expected results. I appreciate you for offering those practical, safe, explanatory and even cool tips about this topic to Emily.
yeezy http://www.shoesyeezy.com
Reply nike lebron shoes
4:10 PM on January 16, 2022 
I simply had to say thanks once more. I am not sure the things that I would have gone through without the actual solutions documented by you regarding this subject matter. It absolutely was a horrifying issue in my opinion, nevertheless considering a new expert fashion you resolved it took me to cry over contentment. Now i'm happier for the support and thus trust you realize what a great job that you're carrying out educating people using a web site. I am certain you've never got to know all of us.
nike lebron shoes http://www.lebron17s.us
Reply kyrie 7
3:35 PM on January 16, 2022 
I in addition to my friends were checking the good recommendations from your web blog and so instantly I had a horrible feeling I had not thanked the web blog owner for those tips. All of the boys were definitely totally glad to study them and now have without a doubt been having fun with them. Appreciate your truly being quite helpful as well as for getting varieties of marvelous subject matter millions of individuals are really eager to discover. Our own sincere apologies for not saying thanks to sooner.
kyrie 7 http://www.kyrie7.us
Reply yeezy boost 700
1:53 PM on January 16, 2022 
I enjoy you because of all your work on this blog. Kim enjoys doing research and it is simple to grasp why. All of us notice all of the powerful mode you provide simple tips and tricks on the blog and even foster response from other ones about this topic and my simple princess has always been discovering a lot of things. Take pleasure in the remaining portion of the new year. You have been carrying out a powerful job.
yeezy boost 700 http://www.yeezy700.us.com
Reply off white jordan 1
1:16 PM on January 16, 2022 
I want to point out my love for your generosity for all those that need help on in this concern. Your very own commitment to passing the message around was wonderfully informative and have permitted others like me to realize their endeavors. Your own helpful tips and hints means so much a person like me and further more to my office workers. Best wishes; from everyone of us.
off white jordan 1 http://www.offwhiteshoes.us.com
Reply nike kyrie 5
8:52 AM on January 16, 2022 
I definitely wanted to write down a brief message so as to appreciate you for these splendid secrets you are showing on this site. My long internet look up has at the end of the day been honored with useful content to exchange with my partners. I 'd say that many of us website visitors actually are undoubtedly fortunate to dwell in a notable place with many awesome professionals with great tips. I feel pretty privileged to have come across the web pages and look forward to so many more brilliant times reading here. Thank you once again for everything.
nike kyrie 5 http://www.kyrie5.org
Reply longchamp
8:32 AM on January 16, 2022 
I and also my guys have already been checking the best points found on the website and then all of the sudden I got an awful feeling I had not expressed respect to you for those tips. All the young men are already for that reason happy to read all of them and already have sincerely been enjoying those things. Appreciate your actually being well considerate and then for deciding upon these kinds of magnificent topics millions of individuals are really wanting to learn about. My sincere regret for not expressing appreciation to earlier.
longchamp http://www.longchampshandbags.us.org
Reply supreme new york
8:29 AM on January 16, 2022 
I in addition to my buddies ended up checking the great items located on your web site while suddenly developed a horrible feeling I had not thanked the web site owner for them. The young boys became warmed to read all of them and have in effect surely been taking advantage of these things. We appreciate you turning out to be indeed thoughtful and for finding variety of helpful ideas most people are really wanting to be informed on. My very own sincere regret for not expressing appreciation to earlier.
supreme new york http://www.supremenewyork.us.com
Reply yeezy 500
7:42 AM on January 16, 2022 
My spouse and i were very more than happy when Raymond managed to complete his web research via the ideas he grabbed through your web site. It is now and again perplexing to simply be handing out information that many many others could have been trying to sell. We really do understand we've got the website owner to be grateful to for this. Those explanations you made, the straightforward website menu, the friendships you will help to create - it's got most exceptional, and it's really helping our son in addition to the family imagine that the article is satisfying, and that is tremendously pressing. Many thanks for everything!
yeezy 500 http://www.yeezy-500.us.com
Reply jordan 1
6:31 AM on January 16, 2022 
I just wanted to post a brief message to appreciate you for the fantastic secrets you are showing on this site. My time intensive internet investigation has at the end of the day been rewarded with sensible suggestions to exchange with my relatives. I 'd point out that many of us readers are unquestionably endowed to exist in a good website with so many lovely individuals with interesting concepts. I feel very blessed to have come across the web pages and look forward to many more brilliant times reading here. Thanks a lot once again for a lot of things.
jordan 1 http://www.jordan1shoes.us
Reply off white clothing
6:27 AM on January 16, 2022 
My husband and i were very fulfilled that Emmanuel managed to do his research with the precious recommendations he was given through the site. It is now and again perplexing just to always be handing out concepts that people today may have been making money from. We really recognize we have got the blog owner to appreciate for this. The most important illustrations you have made, the easy website menu, the relationships you assist to engender - it's everything remarkable, and it's really letting our son and our family consider that this content is awesome, which is truly mandatory. Thank you for all the pieces!
off white clothing http://www.off--white.us.com
Reply cheap jordans
6:01 AM on January 16, 2022 
I wish to express my thanks to this writer for rescuing me from this trouble. Just after researching throughout the the web and obtaining recommendations that were not pleasant, I figured my entire life was gone. Existing without the presence of approaches to the problems you've sorted out as a result of your good site is a serious case, and ones which could have in a wrong way damaged my career if I had not come across your blog post. Your actual understanding and kindness in handling all the stuff was important. I am not sure what I would have done if I hadn't come across such a subject like this. I'm able to at this point relish my future. Thanks a lot so much for this skilled and effective guide. I will not hesitate to refer your blog post to anyone who wants and needs guidance on this subject matter.
cheap jordans http://www.jordansforcheap.us.com
Reply paul george
4:05 AM on January 16, 2022 
I simply wanted to appreciate you all over again. I am not sure the things that I would've done without these hints shown by you on this area of interest. It had been an absolute daunting concern in my circumstances, nevertheless considering the well-written style you solved the issue made me to leap with delight. Now i am happy for this support and then sincerely hope you really know what a great job you're putting in educating the others through the use of your webblog. More than likely you haven't encountered all of us.
paul george http://www.paulgeorge.us.com