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#新加坡理财 为何要选择独立理财顾问

一直以来，都有很多朋友，客户都不是很清楚我这个独立理财顾问到底是做什么的？我可以给大家提供哪些服务？为什么一定要做”独立“理财顾问？

今天，我给大家做个简单的归纳总结，让大家可以一目了然的了解新加坡的保险市场！

新加坡人口接近600万。理财顾问从业者大概有27,000人，其中保险公司专属代理人（tied agent) 约15,000人，理财顾问/独立理财顾问（FA/IFA）大约5000人.

那么下面让我们来逐一解读每一个渠道：

1，保险公司专属代理人 Tied Representatives

保险公司专属代理人，他们代表的是保险公司，代理人只可以为客户规划并且配置他所代表的保险公司的产品。（只能代理一家保险公司）

2，银行渠道 Bank Representative

我们去银行的时候，经常会被推荐一些理财保险产品。这些产品其实本身并不是由银行设计和推出的，因为银行业和保险业是完全不相同的行业。所有银行的销售顾问所推荐的产品，都是保险公司的产品。银行就好像一个“中介”，和保险公司合作，在一个时间阶段期间，会代理和推广某一保险公司的产品。最大的隐患在于银行的业务人员流动性非常大，通常是只有销售，没有服务。

3，理财顾问公司 FA Representative 

有些保险公司除了自己的专有代理人团队之外，也会设立本身的理财顾问公司，他们主要业务是代理自己公司的产品，不过也会涉及到其他保险公司的产品。

4，独立理财顾问公司Independently-owned FA firms 

独立理财顾问公司（IFA）因为其不代表任何保险公司的利益，所以被称为“独立“。独立理财顾问公司可以代理众多保险公司的保险产品和证券，金融公司的投资产品，在为客户规划过程中，可以客观在的进行对比之后推荐最适合客户的理财产品。

这是因为对于独立理财顾问来说，销售任何一个公司的产品，对理财顾问本身的利益并没有什么不同。正因为如此，独立理财顾问才能从中立的角度，以客户的利益为中心，为客户推荐最适合的产品。

新加坡金融管理局对于被称为“独立”的理财顾问公司的要求是非常严格的，独立理财顾问公司必须要完全做到中立才行。

新加坡的金融保险业是一个充满竞争的行业，竞争使消费者受益，因为有更多选择。

作为消费者要充分利用这样的优势，在配置保险和其他金融产品时，要多比对多选择。

下面这个图片是保险协会统计的从2014年到2020年三个渠道标准保费的市场占比图。

其中绿色代表tied agent, 蓝色代表bank, 黄色代表 FA.

我们可以看得出，Tied agent 和 bank 这两个渠道，在不同程度上都有所下滑，而FA的市场占有率逐年稳步上升，18.5%的理财顾问拿下了大约新加坡四分之一的市场。

了解了这么多之后，来讲一下我的公司吧！

Financial Alliance Pte Ltd 鑫盟独立理财公司，是新加坡最大的独立理财公司。

我们公司的三大业务板块：

我们公司的金融机构合作伙伴：

公司网站：https://fa.com.sg/

一幅图来讲解一下独立理财顾问的优势：

好啦，今天就和大家分享到这里，如果您想要加入成为一个独立理财顾问，希望有机会与您见面，聊一下在这个非常帮的平台如何实现您在新加坡的梦想。

如果您在寻找以为值得信任的独立理财顾问帮您打破新加坡保险，理财的信息差，站在您的角度，为您货比三家，按照您的需求，为您量身打造适合您的理财产品，欢迎您随时联系我。

感谢您的宝贵时间。

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策