Skip to main content
Contacts
Search
Open Account
FinantiaNet
FinantiaNet
Open Account

Investment Advisory

More than just simple guidance, Banco Finantia’s Investment Advisory Service is designed for those who value informed and well-supported decisions. With the support of a dedicated account manager, you will receive practical suggestions tailored to your investor profile, objectives and time horizon, with complete freedom in the final decision.

This service is intended for those seeking more than information — a service with continuous, specialised support, closely aligned with market developments.

What sets our advisory service apart

Experienced and dedicated team

Qualified professionals with in-depth knowledge of financial markets.

Transparency and trust

We do not market proprietary products — we place your interests first, selecting the most efficient market solutions.

Tailored proposals

Personalised solutions, adapted to your investor profile, objectives and financial context.

International network

Access to Banco Finantia’s global network of contacts, enhancing unique investment opportunities.

Diversified portfolios

Strategies designed to mitigate risks and protect your wealth.

Ongoing support

Monitoring of your portfolio and close contact with your account manager.

We adapt the strategy to your investor profile

Every investor is different. For this reason, Banco Finantia develops model portfolios for three main investor profiles:

Conservative

Chart showing the investment allocation for a Conservative profile: 75% in bonds, 15% in cash, and 10% in equities.

Moderate

Chart showing the investment allocation for a Moderate profile: 65% in bonds, 25% in equities, and 10% in cash.

Dynamic

Chart showing the investment allocation for a Dynamic profile: 70% in equities, 25% in bonds, and 5% in cash.

Liquidity

Bonds

Shares

These portfolios are adjusted based on a careful analysis of your profile, experience, risk tolerance, financial objectives and sustainability preferences

Frequently Asked Questions

We provide a personalised advisory service to prospective or existing clients, within the scope of transactions involving specific financial instruments.

This service may be requested directly by you or proposed at the initiative of your account manager, as support for investment decision-making. In all cases, the final decision always rests with the client.

The distribution of financial instruments (order reception and transmission service) does not involve any value judgement. In this context, we limit ourselves to providing information on the characteristics of financial instruments and to receiving the client’s instructions, without issuing recommendations. For this reason, this service is mainly recommended for more experienced clients.

A Consultoria para Investimento, por sua vez, assenta na emissão de recomendações de investimento por parte de um gestor de conta, assegurando que estas são personalizadas, individuais e ajustadas às circunstâncias pessoais de cada cliente.

These recommendations are supported by the experience of Banco Finantia’s professionals and by our resources for analysis and continuous market monitoring.

In addition to our Investment Advisory service, our account managers can also:

  • Receive and execute securities transaction orders exclusively upon the client’s instruction, without the need for specialised advice;
  • Provide custody of financial assets;
  • Provide information on term deposit solutions in EUR and USD.

For more information on this service, please visit the Private Banking page

The legislation establishes that an Independent Investment Advisory service can only be considered as such when the following conditions are met simultaneously:

  • The ability to assess a sufficiently diversified range of financial instruments available on the market
  • The provision of advice on financial instruments issued and distributed both by the financial intermediary and by third-party entities
  • The non-acceptance or receipt of any remuneration, commission or benefit paid or granted by third parties, with the exception of non-monetary benefits of a non-significant value

Non-independent advisory, such as that provided by Banco Finantia, is justified by the creation of added value for the client, reflected in the benefits of the service provided, both in terms of the quality of the support and in the full access to the support and analysis resources made available by the Bank.

The Markets in Financial Instruments Directive (MiFID II) introduced a set of measures aimed at ensuring that the client’s interests prevail, strengthening transparency, service quality and the mitigation of potential conflicts of interest.

This framework establishes clear rules on how we relate to our clients and how we distribute investment products and services. Among the main measures are:

  • Strengthened information duties towards clients;
  • More stringent rules on conflicts of interest;
  • More detailed criteria for order execution;
  • New market transparency rules;
  • Higher requirements regarding codes of conduct and the professional skills of employees, including knowledge and experience.

Before making any investment recommendation, your account manager carefully assesses the products and services to be proposed, taking into account your knowledge and experience, financial situation, investment objectives, needs and risk tolerance.

Any investment in financial instruments involves risks that must be duly considered:

  • The value of the invested capital may fluctuate, and it may not be possible to recover the amount initially invested, depending on the appreciation or depreciation of the assets comprising the portfolio;
  • Past performance does not guarantee future performance. In particular, foreign exchange risk, resulting from fluctuations in exchange rates between currencies, may have a negative impact on the amount recovered from the investment
  • Each financial instrument presents specific risks, which must be assessed on a case-by-case basis

For further information on products and associated risks, you may consult Banco Finantia’s Additional Information for Clients or the CMVM website

It should also be noted that Banco Finantia does not market proprietary products.

  • Integrity: We do not market proprietary financial products, which allows us to recommend a wide range of assets available on the market in an impartial manner;
  • Experience: We have extensive experience in dynamic and constantly changing environments, with the preservation of the client’s wealth as a core principle;
  • Value proposition: We develop a service tailored to the desired level, whether in the purchase and sale of selected collective investment funds or in the trading of bonds and shares;
  • Personalisation: We develop solutions adjusted to each investor’s risk tolerance and profile, based on their knowledge, experience and financial capacity. We define personalised investment strategies, taking into account personal circumstances, the socio-economic context and investment objectives;
  • Specialisation: Our account managers possess the knowledge and experience required by the Portuguese Securities Market Commission (CMVM);
  • Ongoing support: Each client is supported by a specialised account manager, available throughout the entire process. In parallel, our market specialists regularly monitor the investment portfolio;
  • Engagement: We promote greater client involvement in the management of their wealth, ensuring a service that is truly aligned with their expectations;
  • Flexibility: We allow you to monitor your investment portfolio at any time and from anywhere, through the FinantiaNet homebanking service;
  • In-depth knowledge of bond markets: We have specific know-how in public, financial and corporate bond markets, covering a wide range of issuers classified as investment grade and high yield by the main rating agencies.

If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions page.

Contact us

By email

clientes@finantia.com

Or via our contact form

By calling

+351 217 202 020

Available on working days, from 9am to 6.30pm
(call to national landline or mobile network)

Visiting our Agencies

In Lisbon and in Oporto

View addresses