Ông bán hàng là một nhân viên của SCAM và nhận được một khoản trợ cấp hàng tháng từ công ty, mà thực sự là một khoản vay đối với hoa hồng, lệ phí trong tương lai và ông bán hàng sẽ tạo ra bằng cách bán các sản phẩm tài chính của công ty cho khách hàng như ông bà Fit. Sau khi nhìn qua hình ảnh tài chính Fit của ông bà, ông bán hàng rất hài lòng | Protect Your Wealth from the Ravages of Inflation l 29 Mr. and Mrs. Fit Visit a Broker Advisor Mr. and Mrs. Fit decide to visit a financial advisor to address some of the concerns Mr. Fit has about their finances. They take a recommendation from a friend who knows someone who visited Super Choice Asset Management which has a branch in a nearby town. They call up and arrange an appointment to see one of the advisors at SCAM Mr. Sales. Mr. Sales is an employee of SCAM and receives a monthly allowance from the company which is actually a loan against future commissions and fees Mr. Sales will generate by selling the company s financial products to customers like Mr. and Mrs. Fit. After looking over Mr. and Mrs. Fit s financial picture Mr. Sales is very pleased. He tells the Fits that they are in excellent financial shape but should not have most of their assets in cash because they are generating virtually zero return. Mr. Sales recommends that the Fits open an account with his company and tells them that he can put them into some TIPS for a very reasonable fee . These he says will not only pay interest but the principal will be adjusted over time based on the Bureau of Labor Statistics Consumer Price Index. Their savings will be protected from inflation. Mr. Sales fails to mention that the Fits could buy the TIPS direct from the US Treasury if they wanted to but then he would not receive any compensation for that advice. He s only doing his job after all. Mr. Sales also notes that the Fits have no professionally managed investment accounts that could be a source of funds in retirement. He recommends that they deposit the cash from their savings account into their new investment account at SCAM. SCAM has an excellent management program where for a reasonable annual fee experienced portfolio managers will expertly select mutual funds chosen from SCAM s wide choice. That will enable the Fits to maintain a diversified portfolio that will be rebalanced quarterly to keep .
