{"id":61336,"date":"2022-10-17T14:09:00","date_gmt":"2022-10-17T13:09:00","guid":{"rendered":"https:\/\/www.diaphanum.es\/sin-categoria\/qui-custodia-els-meus-diners-la-importancia-de-la-dipositaria\/"},"modified":"2026-02-17T11:39:17","modified_gmt":"2026-02-17T10:39:17","slug":"qui-custodia-els-meus-diners-la-importancia-de-la-dipositaria","status":"publish","type":"post","link":"https:\/\/www.diaphanum.es\/ca\/blog\/qui-custodia-els-meus-diners-la-importancia-de-la-dipositaria\/","title":{"rendered":"Qui custodia els meus diners?: La import\u00e0ncia de la dipositaria"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"color: #137a89; font-size: 14px;\"><strong>Publicaci\u00f3<\/strong>: 15 juny 2023 &#8211;  <\/span><\/p>\n<p style=\"margin-top: 15px; margin-bottom: 0px;\"><span style=\"color: #007b8a; font-size: 1.25em; text-align: center;\"><strong>&#8220;La import\u00e0ncia de la dipositaria&#8221;<\/strong><\/span><\/p>\n<p>Quan prenem la decisi\u00f3 de qu\u00e8 fer amb els nostres diners, el que primer se&#8217;ns ve a la ment \u00e9s Qui m&#8217;ajuda a gestionar els meus estalvis?, en quins productes haur\u00e9 d&#8217;invertir per obtenir rendibilitat?, per\u00f2 estem oblidant una pregunta que \u00e9s tan o m\u00e9s important que les anteriors: On seran els meus diners?<\/p>\n<p>\u00c9s cert que la majoria de les vegades al nostre pa\u00eds ens \u00e9s dif\u00edcil separar qui m&#8217;assessora de qui em custodia els meus diners, per\u00f2 en el m\u00f3n anglosax\u00f3 les activitats de dipositaria i assessorament estan completament diferenciades, i la figura de l&#8217;assessor ha de ser diferent a la del custodi. T\u00e9 aix\u00f2 sentit? La resposta nom\u00e9s pot ser un rotund s\u00ed, i ho podem veure amb un exemple molt il\u00b7lustratiu, per\u00f2 abans aprofundim una mica en la cust\u00f2dia o dipositaria.  <\/p>\n<ul>\n<li style=\"list-style: square !important;\"><strong>Dipositaria d&#8217; actius en balan\u00e7:<\/strong> aqu\u00ed estar\u00edem parlant de saldos en compte corrent, dip\u00f2sits a termini fix, pagar\u00e9s de l&#8217; entitat, etc. D&#8217;aquests actius respon directament l&#8217;entitat en la qual estan dipositats, \u00e9s a dir, si jo tinc tots els meus diners en un compte corrent d&#8217;una entitat que falli per problemes de solv\u00e8ncia, jo haur\u00e9 perdut els meus diners. <\/li>\n<li style=\"list-style: square !important;\"><strong>Dipositaria en actius fora de balan\u00e7:<\/strong> aqu\u00ed estarien accions de companyies, participacions en fons d&#8217; inversi\u00f3, accions de SICAVS, participacions en capital risc, etc. D&#8217;aquests actius no respon l&#8217;entitat on estan dipositats, per\u00f2 en cas de desaparici\u00f3 del custodi, ens veur\u00edem en una situaci\u00f3 en qu\u00e8 durant un per\u00edode de temps les nostres inversions es trobarien en un llimb del qual per sortir ens portaria un llarg proc\u00e9s, durant el qual no podr\u00edem prendre decisions sobre el nostre patrimoni,  amb el risc que aix\u00f2 comporta. <\/li>\n<\/ul>\n<p>Ara tornem a <strong>l&#8217;exemple il\u00b7lustratiu<\/strong> del qual parl\u00e0vem:<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-58169\" src=\"https:\/\/www.diaphanum.es\/wp-content\/uploads\/asesor-financiero-custodio-dinero.jpg\" alt=\"assessor financer custodi diners\" width=\"600\" height=\"399\" srcset=\"https:\/\/www.diaphanum.es\/wp-content\/uploads\/asesor-financiero-custodio-dinero.jpg 800w, https:\/\/www.diaphanum.es\/wp-content\/uploads\/asesor-financiero-custodio-dinero-300x200.jpg 300w, https:\/\/www.diaphanum.es\/wp-content\/uploads\/asesor-financiero-custodio-dinero-768x511.jpg 768w, https:\/\/www.diaphanum.es\/wp-content\/uploads\/asesor-financiero-custodio-dinero-675x450.jpg 675w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><br \/>\nUn client de banca privada pot estar plenament satisfet amb el seu assessor, una persona que es preocupa de realitzar un correcte allocation, que busca els millors productes i que intenta obtenir una rendibilitat d&#8217;acord amb el nivell de risc que desitja el client, per\u00f2, Qu\u00e8 passa si aquest excel\u00b7lent assessor treballa en una entitat amb problemes de solv\u00e8ncia?,  \u00bfser\u00e0 proactiu i recomanar\u00e0 al client que es porti els seus diners a una altra entitat? M&#8217;atreviria a dir amb un alt percentatge de probabilitat d&#8217;encert que no, perqu\u00e8 si aquest assessor recomana al seu client que se&#8217;n vagi a una altra entitat haur\u00e0 perdut el seu client i tindr\u00e0 m\u00e9s dificultat per obtenir el seu bonus.<\/p>\n<p>Vist aix\u00f2, aquesta decisi\u00f3 que no est\u00e0vem prenent, que \u00e9s la de qui custodia els meus diners, resulta que pot ser la m\u00e9s transcendental de totes, perqu\u00e8 si m&#8217;equivoco en qui m&#8217;assessora, puc obtenir una menor rendibilitat, per\u00f2 si m&#8217;equivoco en qui s&#8217;ocupa de guardar-ho puc o perdre-ho tot o veure&#8217;m limitat temporalment en la disposici\u00f3 del mateix i on invertir-ho.<\/p>\n<h2>Criteris per triar un bon custodi de diners<\/h2>\n<p>Ara que sembla que tenim clars els riscos que assumim arriba el moment de minimitzar-los:<\/p>\n<ol style=\"color: #000 !important;\">\n<li style=\"list-style: black !important;\">Busquem ajuda en alg\u00fa que faci una <strong>auditoria dels dipositaris<\/strong> i que busquin sobretot tres atributs:<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style: square !important;\"><strong>Solv\u00e8ncia:<\/strong> R\u00e0ting alts per evitar ensurts.<\/li>\n<li style=\"list-style: square !important;\"><strong>Tecnologia:<\/strong> Per poder operar de la forma m\u00e9s eficient.<\/li>\n<li style=\"list-style: square !important;\"><strong>Preu:<\/strong> Optimitzar el cost per al servei.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"2\">\n<li style=\"list-style: black !important;\"><strong>Multidepositaria.  <\/strong>Si no posem tot el nostre patrimoni en un \u00fanic producte, per qu\u00e8 tenim tot el nostre patrimoni en un \u00fanic custodi? Moltes vegades ens semblar\u00e0 un engreix tenir diversos custodis perqu\u00e8 llavors no tindrem una visi\u00f3 del nostre patrimoni en una sola foto, per\u00f2 aix\u00f2 no \u00e9s aix\u00ed, ja que, es pot reportar en un sol informe tot el patrimoni independentment d&#8217;on el tinguem dipositat, aix\u00ed que la millor recomanaci\u00f3 \u00e9s diversificar els custodis i estarem reduint els riscos. Haur\u00edem de tenir un assessor que ens ofereixi un ventall de custodis i que les seves eleccions siguin \u00fanicament per criteris objectius.  <\/li>\n<\/ol>\n<ol start=\"3\">\n<li style=\"list-style: black !important;\">Intentem que qui ens estigui assessorant sobre on dipositar els meus estalvis <strong>no tingui relaci\u00f3 directa amb les entitats que ens recomana<\/strong>, ja que davant de problemes de solv\u00e8ncia dif\u00edcilment ens podr\u00e0 recomanar lliurement.<\/li>\n<\/ol>\n<p><strong>Francisco Salas Ru\u00edz <\/strong><br \/>\nSoci i assessor en gesti\u00f3 de patrimonis de Diaphanum Valors a <strong><a href=\"https:\/\/www.diaphanum.es\/ca\/seu-central\/assessors-financers-a-madrid\/\">Madrid<\/a><\/strong>.<span style=\"color: #ffffff;\">[\/vc_column_text][\/vc_column][\/vc_row]<\/span>[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; 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