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geld is een middel, geen doel

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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

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