I want to manage my finances

Choose your financial professional

When you are ready to invest, you can either call on an expert to guide your decision-making, or make your own decisions and carry out your transactions on-line on a financial institution's website (discount brokerage).

To help you answer this question, here are the main differences between these two approaches:

 AdvantagesDisadvantages
Call on an expert to guide your decision-making

Financial experts advise you on the investments you should make according to your investor profile, financial situation and objectives.

They will buy and sell financial products on your behalf.

You have to pay them management fees and a commission for the transactions they make on your behalf.

 AdvantagesDisadvantages
Make your own decisions and carry out your transactions on-line on a financial institution's website (discount brokerage)

You will decide on your own whether to buy or sell investments and will carry out your transactions on-line on a financial institution's website.

It costs you less for each transaction.

You will not receive personalized advice, but can have access to analyses and general recommendations from investment experts. You are the only one who make decisions. This means you have to know the markets well and closely watch the evolution of your investments to find out when to buy and sell.

Before even thinking about going it alone in the financial markets, ask yourself the following questions:

  • Do you know enough about the markets to make investment decisions by yourself without advice?
  • Can you set aside enough of your time to study your investments?
  • How much risk are you willing to take?
  • Are you able to understand all useful information concerning your investments?

If you decide to call upon a professional, you must take certain steps and do some research in order to find the one that is best for you. Most importantly, verify that he/she is duly registered with the Autorité des marchés financiers.