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You have to consider also the possibility that banks experts aren't really experts. That's why you have to choose a bank you really trust on and do some back-up checking. Usually banks investment expert has to invest also his/hers own money to companies that hi/she believes in.
How this kind of business works?
Banks offer you different kind of programs to take care of your investments. You can invest in same kinds of programs as Aktia offers.With banks help you can get investment which is suitable for you. You have to think about your investment period, invested capital, goal profit and risk level. The only thing you have to decide after your investment decision is which bank to trust your money on. Usually banks observe areas economic situation and companies steadiness when they're looking for investments. Banks often have also some ethical principles that they follow for example banks don't invest in companies which use child labor or do they business in gambling, tobacco or armaments industry. Onhan teillä kuitenkin vielä hieman enemmän varsinaista asiasisältöä, esimerkiksi siitä miten yrityksiä valitaan sijoituskohteiksi rahastoihin, miten rahasto valitaan, sijoitusneuvojan työstä tms?
Sources:
Aktia’s CEO Tom Ginmans presentation
http://www.aktia.fi/profiilipalvelu
http://www.taloussanomat.fi/ps-saastot/2010/07/13/ala-aina-usko-sijoitusneuvojaa/20109704/262