natgillin/translations-raw huggingface dataset:
Investment firms distributing units in collective investment undertakings or PRIIPs shall additionally inform their clients about any other costs and associated charges related to the product which may have not been included in the UCITS KID or PRIIPs KID and about the costs and charges relating to their provision of investment services in relation to that financial instrument.
Člen 51
Article 52
Informacije, zagotovljene v skladu z Direktivo 2009/65/ES in Uredbo (EU) št. 1286/2014
Information about investment advice
Investicijska podjetja, ki distribuirajo enote v kolektivnih naložbenih podjemih ali paketne naložbene produkte za male vlagatelje in zavarovalne naložbene produkte, dodatno obvestijo svoje stranke o vseh drugih stroških in povezanih dajatvah v zvezi s produktom, ki morda niso bile vključene v dokument s ključnimi podatki za vlagatelje (KIID), ki se uporablja za KNPVP, ali dokument s ključnimi informacijami (KID) o paketnih naložbenih produktih za male vlagatelje in zavarovalnih naložbenih produktih, ter o stroških in dajatvah v zvezi z njihovim opravljanjem investicijskih storitev v povezavi z navedenim finančnim instrumentom.
Investment firms shall explain in a clear and concise way whether and why investment advice qualifies as independent or non-independent and the type and nature of the restrictions that apply, including, when providing investment advice on an independent basis, the prohibition to receive and retain inducements.
Člen 52
Where advice is offered or provided to the same client on both an independent and non-independent basis, investment firms shall explain the scope of both services to allow investors to understand the differences between them and not present itself f as an independent investment adviser for the overall activity.
Informacije o investicijskem svetovanju
Firms shall not give undue prominence to their independent investment advice services over non-independent investment services in their communications with clients.
Investicijska podjetja na jasen in jedrnat način pojasnijo, ali in zakaj se investicijsko svetovanje šteje za neodvisno ali ne, ter navedejo vrsto in naravo omejitev, ki se uporabljajo, kar vključuje prepoved prejemanja in zadržanja spodbud pri zagotavljanju investicijskega svetovanja na neodvisni podlagi.
Investment firms providing investment advice, on an independent or non-independent basis, shall explain to the client the range of financial instruments that may be recommended, including the firm's relationship with the issuers or providers of the instruments.
Če se isti stranki nudi ali zagotavlja tako neodvisno svetovanje kot svetovanje, ki ni neodvisno, investicijska podjetja pojasnijo obseg obeh storitev, tako da lahko vlagatelji razumejo razlike med njimi in da se podjetja ne predstavljajo kot neodvisen investicijski svetovalec za celotno dejavnost.
Investment firms shall provide a description of the types of financial instruments considered, the range of financial instruments and providers analysed per each type of instrument according to the scope of the service, and, when providing independent advice, how the service provided satisfies the conditions for the provision of investment advice on an independent basis and the factors taken into consideration in the selection process used by the investment firm to recommend financial instruments, such as risks, costs and complexity of the financial instruments.
Podjetja pri komunikaciji s strankami ne poudarjajo neupravičeno svojih storitev neodvisnega investicijskega svetovanja v škodo storitev investicijskega svetovanja, ki ni neodvisno.
When the range of financial instruments assessed by the investment firm providing investment advice on an independent basis includes the investment firm's own financial instruments or those issued or provided by entities having close links or any other close legal or economic relationship with the investment firm as well as other issuers or providers which are not linked or related, the investment firm shall distinguish, for each type of financial instrument, the range of the financial instruments issued or provided by entities not having any links with the investment firm.
Investicijska podjetja, ki zagotavljajo investicijsko svetovanje na podlagi, ki je neodvisna ali ne, stranki pojasnijo kateri finančni instrumenti se lahko priporočijo ter v kakšnem razmerju so podjetja z izdajatelji ali ponudniki instrumentov.
Investments firms providing a periodic assessment of the suitability of the recommendations provided pursuant to Article 54(12) shall disclose all of the following:
Investicijska podjetja zagotovijo opis vrst finančnih instrumentov, ki so se upoštevali, nabora finančnih instrumentov in ponudnikov, analiziranih za vsako vrsto instrumenta glede na obseg storitve, in, kadar zagotavljajo neodvisno svetovanje, pojasnilo, kako opravljena storitev izpolnjuje pogoje za zagotavljanje investicijskega svetovanja na neodvisni podlagi ter kateri dejavniki, kot so na primer tveganja, stroški in kompleksnost finančnih instrumentov, so se upoštevali pri postopku izbire, ki ga je investicijsko podjetje uporabilo za priporočitev finančnih instrumentov.
the frequency and extent of the periodic suitability assessment and where relevant, the conditions that trigger that assessment;
Če nabor finančnih instrumentov, ki jih oceni investicijsko podjetje, ki zagotavlja investicijsko svetovanje na neodvisni podlagi, vključuje lastne finančne instrumente investicijskega podjetja ali instrumente, ki jih izdajo ali nudijo subjekti, ki so tesno povezani ali so v kakršnem koli tesnem pravnem ali ekonomskem razmerju z investicijskim podjetjem, kot tudi drugi izdajatelji in ponudniki, ki niso povezani oz. nimajo takega razmerja, investicijsko podjetje loči, za vsako vrsto finančnega instrumenta, nabor finančnih instrumentov, ki jih izdajo ali nudijo subjekti, ki nimajo nobenih povezav z investicijskim podjetjem.
the extent to which the information previously collected will be subject to reassessment; and
Investicijska podjetja, ki redno ocenjujejo primernost danih priporočil v skladu s členom 54(12), razkrijejo vse od naslednjega:
the way in which an updated recommendation will be communicated to the client.
pogostost in obseg redne ocene primernosti in, kadar je relevantno, pogoje, ki so povod za oceno;
Article 53
obseg, v katerem se bodo predhodno zbrane informacije ponovno ocenile, in
Investment advice on an independent basis
način, na katerega bo stranka obveščena o posodobljenem priporočilu.
(Article 24(4) and 24(7) of Directive 2014/65/EU)
Člen 53
Investment firms providing investment advice on an independent basis shall define and implement a selection process to assess and compare a sufficient range of financial instruments available on the market in accordance with Article 24(7)(a) of Directive 2014/65/EU.
Investicijsko svetovanje na neodvisni podlagi
The selection process shall include the following elements:
(člena 24(4) in 24(7) Direktive 2014/65/EU)
the number and variety of financial instruments considered is proportionate to the scope of investment advice services offered by the independent investment adviser;
Investicijska podjetja, ki zagotavljajo investicijsko svetovanje na neodvisni podlagi, določijo in izvajajo postopek izbire za oceno in primerjavo dovolj velikega nabora finančnih instrumentov, ki so na voljo na trgu, v skladu s členom 24(7)(a) Direktive 2014/65/EU.
the number and variety of financial instruments considered is adequately representative of financial instruments available on the market;
Postopek izbire zajema naslednje elemente:
the quantity of financial instruments issued by the investment firm itself or by entities closely linked to the investment firm itself is proportionate to the total amount of financial instruments considered; and
število in raznolikost finančnih instrumentov, ki se upoštevajo, je sorazmerno z obsegom storitev investicijskega svetovanja, ki jih ponuja neodvisni investicijski svetovalec;
the criteria for selecting the various financial instruments shall include all relevant aspects such as risks, costs and complexity as well as the characteristics of the investment firm's clients, and shall ensure that the selection of the instruments that may be recommended is not biased.
število in raznolikost finančnih instrumentov, ki se upoštevajo, je dovolj reprezentativno za finančne instrumente, ki so na voljo na trgu;
Where such a comparison is not possible due to the business model or the specific scope of the service provided, the investment firm providing investment advice shall not present itself as independent.
količina finančnih instrumentov, ki jih izdajo investicijsko podjetje samo ali subjekti, ki so tesno povezani z investicijskim podjetjem samim, je sorazmerna s skupnim številom finančnih instrumentov, ki se upoštevajo, in
An investment firm that provides investment advice on an independent basis and that focuses on certain categories or a specified range of financial instruments shall comply with the following requirements:
merila za izbiro različnih finančnih instrumentov vključujejo vse relevantne vidike, kot so tveganja, stroški in kompleksnost, kot tudi značilnosti strank investicijskega podjetja, ter zagotavljajo, da izbira instrumentov, ki se lahko priporočijo, ni pristranska.
the firm shall market itself in a way that is intended only to attract clients with a preference for those categories or range of financial instruments;
Če taka primerjava ni mogoča zaradi poslovnega modela ali specifičnega obsega storitev, ki se izvajajo, se investicijsko podjetje, ki zagotavlja investicijsko svetovanje, ne predstavlja kot neodvisno.
the firm shall require clients to indicate that they are only interested in investing in the specified category or range of financial instruments; and
Investicijsko podjetje, ki zagotavlja investicijsko svetovanje na neodvisni podlagi in ki se osredotoča na določene kategorije ali določen nabor finančnih instrumentov, izpolnjuje naslednje zahteve:
prior to the provision of the service, the firm shall ensure that its service is appropriate for each new client on the basis that its business model matches the client's needs and objectives, and the range of financial instruments that are suitable for the client.
podjetje se trži na način, ki je namenjen pritegnitvi samo tistih strank, ki dajejo prednost navedenim kategorijam ali naboru finančnih instrumentov;
Where this is not the case the firm shall not provide such a service to the client.
podjetje od strank zahteva, da navedejo, da jih zanima samo vlaganje v tako določeno kategorijo ali nabor finančnih instrumentov, in
An investment firm offering investment advice on both an independent basis and on a non-independent basis shall comply with the following obligations:
pred zagotovitvijo storitve podjetje zagotovi, da je njegova storitev primerna za vsako novo stranko na podlagi dejstva, da se njegov poslovni model ujema s strankinimi potrebami in cilji, ter za nabor finančnih instrumentov, ki so primerni za stranko.
in good time before the provision of its services, the investment firm has informed its clients, in a durable medium, whether the advice will be independent or non-independent in accordance with Article 24(4)(a) of Directive 2014/65/EU and the relevant implementing measures;
Če temu ni tako, podjetje stranki ne zagotovi take storitve.
the investment firm has presented itself as independent for the services for which it provides investment advice on an independent basis;
Investicijsko podjetje, ki ponuja investicijsko svetovanje tako na neodvisni podlagi kot na podlagi, ki ni neodvisna, izpolnjuje naslednje obveznosti:
the investment firms has adequate organisational requirements and controls in place to ensure that both types of advice services and advisers are clearly separated from each other and that clients are not likely to be confused about the type of advice that they are receiving and are given the type of advice that is appropriate for them.
investicijsko podjetje je pravočasno pred zagotovitvijo svojih storitev na trajnem nosilcu podatkov obvestilo svoje stranke, ali bo svetovanje neodvisno ali ne, v skladu s členom 24(4)(a) Direktive 2014/65/EU in zadevnimi izvedbenimi ukrepi;
The investment firm shall not allow a natural person to provide both independent and non-independent advice.
investicijsko podjetje se je predstavilo kot neodvisno v zvezi s storitvami, za katere zagotavlja investicijsko svetovanje na neodvisni podlagi;
Assessment of suitability and appropriateness
investicijsko podjetje ima vzpostavljene zadostne organizacijske zahteve in kontrole za zagotavljanje, da sta obe vrsti storitev svetovanja in svetovalcev jasno ločeni in da je malo verjetno, da bodo stranke zmedene glede vrste svetovanja, ki ga prejemajo, ter da prejmejo vrsto svetovanja, ki je primerna za njih.
Article 54
Investicijsko podjetje ne dovoli fizični osebi, da zagotavlja tako neodvisno kot ne-neodvisno svetovanje.
Assessment of suitability and suitability reports
Presoja primernosti in ustreznosti
(Article 25(2) of Directive 2014/65/EU)
Člen 54
Investment firms shall not create any ambiguity or confusion about their responsibilities in the process when assessing the suitability of investment services or financial instruments in accordance with Article 25(2) of Directive 2014/65/EU.
Presoja primernosti in poročila o primernosti
When undertaking the suitability assessment, the firm shall inform clients or potential clients, clearly and simply, that the reason for assessing suitability is to enable the firm to act in the client's best interest.
(člen 25(2) Direktive 2014/65/EU)
Where investment advice or portfolio management services are provided in whole or in part through an automated or semi-automated system, the responsibility to undertake the suitability assessment shall lie with the investment firm providing the service and shall not be reduced by the use of an electronic system in making the personal recommendation or decision to trade.
Investicijska podjetja ne ustvarjajo nobene dvoumnosti ali zmede glede svojih odgovornosti v postopku, ko ocenjujejo primernost investicijskih storitev ali finančnih instrumentov v skladu s členom 25(2) Direktive 2014/65/EU.
Investment firms shall determine the extent of the information to be collected from clients in light of all the features of the investment advice or portfolio management services to be provided to those clients.
Pri izvajanju presoje primernosti podjetje na jasen in preprost način obvesti stranke ali potencialne stranke, da je razlog za presojo primernosti omogočiti podjetju, da ravna v najboljšem interesu stranke.
Investment firms shall obtain from clients or potential clients such information as is necessary for the firm to understand the essential facts about the client and to have a reasonable basis for determining, giving due consideration to the nature and extent of the service provided, that the specific transaction to be recommended, or entered into in the course of providing a portfolio management service, satisfies the following criteria:
Kadar se storitve investicijskega svetovanja ali upravljanja portfeljev deloma ali v celoti izvajajo prek avtomatiziranega ali polavtomatiziranega sistema, ima odgovornost za izvedbo presoje primernosti investicijsko podjetje, ki zagotavlja storitev, odgovornost pa se ne zmanjša zaradi uporabe elektronskega sistema pri podaji osebnega priporočila ali odločitve za trgovanje.
it meets the investment objectives of the client in question, including client's risk tolerance;
Investicijska podjetja določijo obseg informacij, ki jih je treba zbrati od strank glede na vse elemente storitev investicijskega svetovanja ali upravljanja portfeljev, ki se bodo zagotovile tem strankam.
it is such that the client is able financially to bear any related investment risks consistent with his investment objectives;
Investicijska podjetja od strank ali potencialnih strank pridobijo vse informacije, ki jih podjetje potrebuje, da se seznani z osnovnimi dejstvi o stranki in da pridobi razumno osnovo za določitev, ob ustreznem upoštevanju narave in obsega storitve, ki se opravlja, ali specifičen posel, ki bo priporočen ali sklenjen med opravljanjem storitve upravljanja portfeljev, izpolnjuje naslednja merila:
it is such that the client has the necessary experience and knowledge in order to understand the risks involved in the transaction or in the management of his portfolio.
uresničuje investicijske cilje zadevne stranke, vključno z dovoljenim tveganjem stranke;
Where an investment firm provides an investment service to a professional client it shall be entitled to assume that in relation to the products, transactions and services for which it is so classified, the client has the necessary level of experience and knowledge for the purposes of point (c) of paragraph 2.
stranki omogoča, da finančno vzdrži vsa povezana investicijska tveganja v skladu z investicijskimi cilji;
Where that investment service consists in the provision of investment advice to a professional client covered by Section 1 of Annex II to Directive 2014/65/EU, the investment firm shall be entitled to assume for the purposes of point (b) of paragraph 2 that the client is able financially to bear any related investment risks consistent with the investment objectives of that client.
je takšen, da ima stranka potrebne izkušnje in znanje, da razume tveganja, povezana s poslom ali z upravljanjem njenega portfelja.
The information regarding the financial situation of the client or potential client shall include, where relevant, information on the source and extent of his regular income, his assets, including liquid assets, investments and real property, and his regular financial commitments.
Če investicijsko podjetje opravi investicijsko storitev za profesionalno stranko, je upravičeno predpostavljati, da ima stranka v zvezi s produkti, posli in storitvami, za katere je tako razvrščena, potrebno stopnjo izkušenj in znanja za namene točke (c) odstavka 2.
The information regarding the investment objectives of the client or potential client shall include, where relevant, information on the length of time for which the client wishes to hold the investment, his preferences regarding risk taking, his risk profile, and the purposes of the investment.
Če je investicijska storitev zagotavljanje investicijskega svetovanja profesionalni stranki iz oddelka 1 Priloge II k Direktivi 2014/65/EU, je investicijsko podjetje upravičeno, da za namene točke (b) odstavka 2 predpostavlja, da je stranka sposobna finančno vzdržati vsa morebitna investicijska tveganja v skladu z investicijskimi cilji te stranke.
Where a client is a legal person or a group of two or more natural persons or where one or more natural persons are represented by another natural person, the investment firm shall establish and implement policy as to who should be subject to the suitability assessment and how this assessment will be done in practice, including from whom information about knowledge and experience, financial situation and investment objectives should be collected.
Informacije v zvezi s finančnim stanjem stranke ali potencialne stranke po potrebi vključujejo informacije o viru in obsegu rednih dohodkov, sredstvih, vključno z likvidnimi sredstvi, naložbah in nepremičninah ter o njenih rednih finančnih obveznostih.
The investment firm shall record this policy.
Informacije v zvezi z investicijskimi cilji stranke ali potencialne stranke po potrebi vključujejo informacije o tem, kako dolgo želi stranka imeti naložbo, o njenih preferencah glede prevzemanja tveganj, o njenem profilu tveganja in o namenih naložbe.
Where a natural person is represented by another natural person or where a legal person having requested treatment as professional client in accordance with Section 2 of Annex II to Directive 2014/65/EU is to be considered for the suitability assessment, the financial situation and investment objectives shall be those of the legal person or, in relation to the natural person, the underlying client rather than of the representative.
Če je stranka pravna oseba ali skupina dveh ali več fizičnih oseb oziroma če eno ali več fizičnih oseb zastopa druga fizična oseba, investicijsko podjetje oblikuje in izvaja politiko za določanje, za koga bi se morala izvesti presoja primernosti in kako se bo ta presoja izvedla v praksi, vključno s tem, od koga bi bilo treba pridobiti informacije o znanju in izkušnjah, finančnem stanju in investicijskih ciljih.
The knowledge and experience shall be that of the representative of the natural person or the person authorised to carry out transactions on behalf of the underlying client.
Investicijsko podjetje evidentira to politiko.
Investment firms shall take reasonable steps to ensure that the information collected about their clients or potential clients is reliable.
Kadar fizično osebo zastopa druga fizična oseba ali kadar naj bi se pri presoji primernosti obravnavala pravna oseba, ki je zahtevala obravnavo kot profesionalna stranka v skladu z oddelkom 2 Priloge II k Direktivi 2014/65/EU, so finančno stanje in investicijski cilji tisti od pravne osebe oziroma, v zvezi s fizično osebo, tisti od osnovne stranke in ne od njenega zastopnika.
This shall include, but shall not be limited to, the following:
Znanje in izkušnje so znanje in izkušnje zastopnika fizične osebe ali osebe, ki je pooblaščena za izvajanje poslov v imenu osnovne stranke.
ensuring clients are aware of the importance of providing accurate and up-to-date information;
Investicijska podjetja sprejmejo razumne korake za zagotovitev, da so informacije, zbrane o njihovih strankah ali potencialnih strankah zanesljive.
ensuring all tools, such as risk assessment profiling tools or tools to assess a client's knowledge and experience, employed in the suitability assessment process are fit-for-purpose and are appropriately designed for use with their clients, with any limitations identified and actively mitigated through the suitability assessment process;
To med drugim vključuje naslednje:
ensuring questions used in the process are likely to be understood by clients, capture an accurate reflection of the client's objectives and needs, and the information necessary to undertake the suitability assessment; and
zagotavljanje, da se stranke zavedajo pomena predložitve točnih in aktualnih informacij;
taking steps, as appropriate, to ensure the consistency of client information, such as by considering whether there are obvious inaccuracies in the information provided by clients.
zagotavljanje, da vsa orodja, kot so orodja za oceno profila tveganja ali orodja za oceno strankinega znanja in izkušenj, uporabljena v postopku presoje primernosti, ustrezajo namenu in so primerno zasnovana za uporabo pri strankah podjetja, pri čemer se vse omejitve opredelijo in aktivno obvladujejo tekom postopka presoje primernosti;
Investment firms having an on-going relationship with the client, such as by providing an ongoing advice or portfolio management service, shall have, and be able to demonstrate, appropriate policies and procedures to maintain adequate and up-to-date information about clients to the extent necessary to fulfil the requirements under paragraph 2.
zagotavljanje, da bodo stranke verjetno razumele vprašanja, uporabljena pri postopku, da vprašanja natančno odražajo strankine cilje in potrebe ter zajemajo informacije, ki so potrebne za presojo primernosti, in
Where, when providing the investment service of investment advice or portfolio management, an investment firm does not obtain the information required under Article 25(2) of Directive 2014/65/EU, the firm shall not recommend investment services or financial instruments to the client or potential client.
sprejemanje ustreznih ukrepov za zagotovitev doslednosti informacij strank, na primer preverjanje, ali so v informacijah, ki so jih predložile stranke, očitne netočnosti.