00:00Complete and cross-cutting financial investment services are those made available to the clientele
00:12of the banks belonging to the BCC-CREA Group.
00:15The services of Wealth Management of the BCC-CREA Group include in fact the coordination and
00:20development of the consulting model, the definition of investment strategies and model portfolios,
00:25the coordination of the financial and heritage advisory offer and the support to the managers
00:30of the BCC-CREA Group in the proper implementation of the regulatory obligations deriving from
00:35the regulation of the sector.
00:37The main challenge for the protection of heritage is, in my opinion, represented by the ability
00:42to be able to consider all the aspects that make up a correct heritage planning,
00:47which is based, first of all, on the diversification of the instruments to reduce risks.
00:53I am referring to exogenous risks such as market volatility, inflation, geopolitical or environmental risks,
00:59but also, very often, endogenous risks dictated by one's own behaviour, by access to information
01:07or by one's own family and business management.
01:10Insurance protection is, in this sense, a central aspect for financial security and the well-being
01:17of people and companies.
01:19An opportunity for diversification also comes from the approach to the financial markets
01:23of small and medium-sized businesses.
01:25The best strategy to protect oneself in difficult market contexts is that of diversification
01:33of one's own funding sources, trying to privilege medium- and long-term instruments
01:41and trying to differentiate the category of investors.
01:44Today, in Italy, we are still very focused on banks and this could generate risks in
01:52the event of a system crisis, such as those that occurred in Italy no later than 10 years ago.
02:00The issuance of mandatory instruments, also by the SMEs, represents an excellent opportunity
02:07for diversification and allows companies and entrepreneurs to approach the financial markets.
02:15Today, this is a market in strong expansion, characterized by evolved investors capable
02:23of responding to the specific and complex requirements of the various companies.
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