Unnecessary, such as private bank!

It occurred to Dosakusa of the financial crisis? Or such of, a private bank that also opened the door for individuals is, you have to actively advertise using the books and WEB site.

However, there is no need for ordinary people to use the private bank.

In Europe is their birthplace, wealthy to financial instruments such as foreign stocks and precious metals other than their own, was the situation that you can not only invest in a private bank. But by globalization and borderless financial market, those that commodity that can not be invested only in a private bank was no longer almost non-existent. Now foreign stocks and precious metals investment, are equipped with environment that can anyone can use the net securities.

First place that the private bank is a business that only a small number of millionaire if originally the opponent. Labor required for per customer is, there is almost no difference in poor even in a large millionaire. Therefore, if you want to operate the same 10 billion yen, than keep one ten million yen from 1,000 customers, better to have collected one by one billion yen from 10 people millionaire, is much more efficient.

And if the real private bank, even without or operating activities in such net and books, and Jokyaku are having from the original, and only network of wealthy spread from their introduction, should be enough business. In other words, the private bank that you have an open until the common people activities, or no newcomer proven in the newborn, or will the large-millionaire can not be collected the funds to the other bastards. In any case, for the common people to such private bank, it can be said that it is Mattakumotte unnecessary presence.

Also as similar services to private bank, there is a thing called that such major banks of Japan are dealing with "wrap accounts (wrap fund)". Originally wrap account but 100 million yen had been said to be the lowest line, has recently also appeared wherever possible deposit from 10 million yen. You can use the lounge of financial institutions, to or with separate personnel, in the sense that taste the atmosphere is really special investment, wrap account if analogy is said to be "private bank Nanchatte".

But this is also the same as the private bank, given the situation of the other party that the service for the original millionaire inevitably stretched a hand to the poor, that it is an unnecessary service for common people will arrive expected.

Of that original wrap account, by taking advantage of the abundant amount of funds of the wealthy, is what professionals who are dispersed invest in individual stocks and individual bonds. However, in actual wrap accounts, while aside the account management fee, on the one hand, you are invested only in mutual funds of its own, eventually I in many cases is a rip-off business that not only Nijudori of commission.

Recently, is, I such because it is desired to increase the earning To Gappori from small rich Petit millionaire's financial institutions have focused on publicity of wrap accounts.