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[null,"vragen","antwoordmogelijkheden",null,"algemene weging","scoring/vraag","scoring/ antwoord","random test","Gesimuleerd antwoord","gewicht indiv antwoord tov totale score (meest doorslaggevende indiv antwoord aangegeven in rood)",null,"soort vraag","gewicht","Check-up klant","resultaat klant",0.5,"maximum score","antwoord klant "]
["A. Kennis en ervaring","1 kennis uit opleiding","a","nee","minst doorslag-gevend",{"$f":"VLOOKUP(E2,$L$2:$M$6,2)","v":35},{"$f":"'scoring vragenlijst'!G2","v":0},{"$f":" RANDBETWEEN(1,2)","v":1},{"$f":"IF(H2=1,G2,IF(H2=2,G3,G5))","v":0},{"$f":"G2/$F$52","v":0},null,"het meest doorslaggevend",{"$f":"'scoring vragenlijst'!N2","v":150},"Kennis en ervaring",{"$f":"R2/$Q$2","v":0.61764705882352944},null,{"$f":"SUM(Q3:Q5)","v":170},{"$f":"SUM(R3:R5)","v":105}]
[null,null,"b","ja",null,null,{"$f":"'scoring vragenlijst'!G3","v":35},null,null,3.5000000000000003E-2,null,"meer doorslaggevend",{"$f":"'scoring vragenlijst'!N3","v":125},"1 kennis uit opleiding",{"$f":"R3/$Q$2","v":0},0.5,{"$f":"F2","v":35},{"$f":"I2","v":0}]
[null,"2 beroeps-matige kennis","a","nee","minst doorslag-gevend",{"$f":"VLOOKUP(E4,$L$2:$M$6,2)","v":35},{"$f":"'scoring vragenlijst'!G4","v":0},{"$f":" RANDBETWEEN(1,2)","v":2},{"$f":"IF(H4=1,G4,IF(H4=2,G5,G7))","v":35},0,null,"midden",{"$f":"'scoring vragenlijst'!N4","v":100},"2 beroepskennis",{"$f":"R4/$Q$2","v":0.20588235294117646},0.5,{"$f":"F4","v":35},{"$f":"I4","v":35}]
[null,null,"b","ja",null,null,{"$f":"'scoring vragenlijst'!G5","v":35},null,null,3.5000000000000003E-2,null,"minder",{"$f":"'scoring vragenlijst'!N5","v":60},"3 interesse",{"$f":"R5/$Q$2","v":0.41176470588235292},0.5,{"$f":"F6","v":100},{"$f":"I6","v":70}]
[null,"2 interesse","a","geen interesse","midden",{"$f":"VLOOKUP(E6,$L$2:$M$6,2)","v":100},{"$f":"'scoring vragenlijst'!G6","v":0},{"$f":"RANDBETWEEN(1,4)","v":3},{"$f":"IF(H6=1,G6,IF(H6=2,G7,IF(H6=3,G8,G9)))","v":70},0,null,"minst doorslaggevend",{"$f":"'scoring vragenlijst'!N6","v":35},null,{"$f":"100%-SUM(O3:O5)","v":0.38235294117647056}]
[null,null,"b","lees financiële bladzijden",null,null,{"$f":"'scoring vragenlijst'!G7","v":30},null,null,0.03,null,null,null,"Financiële situatie",{"$f":"R7/$Q$7","v":0.25},null,{"$f":"SUM(Q8:Q11)","v":420},{"$f":"SUM(R8:R11)","v":105}]
[null,null,"c","zoek actief financiële informatie",null,null,{"$f":"'scoring vragenlijst'!G8","v":70},null,null,7.0000000000000007E-2,null,"totaal",{"$f":"F52","v":1000},"4 roerend vermogen",{"$f":"R8/$Q$7","v":0},0.5,{"$f":"F20","v":150},{"$f":"I20","v":0}]
[null,null,"d","volg financiële markt beroepsmatig",null,null,{"$f":"'scoring vragenlijst'!G9","v":100},null,null,0.1,null,null,null,"5 onroerend vermogen",{"$f":"R9/$Q$7","v":0.14285714285714285},0.5,{"$f":"F25","v":60},{"$f":"I25","v":60}]
[null,"3 tabel producten","producten die u kent","T21","minder",{"$f":"VLOOKUP(E10,$L$2:$M$6,2)","v":60},{"$f":"'scoring vragenlijst'!G10","v":6},{"$f":"RANDBETWEEN(1,60)","v":49},{"$f":"EVEN(H10)","v":50},6.0000000000000001E-3,null,null,null,"6a netto-inkomen",{"$f":"R10/$Q$7","v":0},0.5,{"$f":"F28","v":60},{"$f":"I28","v":0}]
[null,null,null,"T23 zonder kapitaalsbescherming",null,null,{"$f":"'scoring vragenlijst'!G11","v":8},null,null,8.0000000000000002E-3,null,null,null,"7 spaarmogelijkheid",{"$f":"R11/$Q$7","v":0.10714285714285714},0.5,{"$f":"F36","v":150},{"$f":"I36","v":45}]
[null,null,null,"T23 met kapitaalsbescherming",null,null,{"$f":"'scoring vragenlijst'!G12","v":10},null,null,0.01,null,null,null,null,{"$f":"100%-(SUM(O8:O11))","v":0.75}]
[null,null,null,"T26",null,null,{"$f":"'scoring vragenlijst'!G17","v":6},null,null,6.0000000000000001E-3,null,null,null,"Risico-appetijt",{"$f":"R13/$Q$13","v":0.5},null,{"$f":"SUM(Q14:Q17)","v":1000},{"$f":"SUM(R14:R17)","v":500}]
[null,null,"producten waarin u belegt of heeft belegd (zowel occasioneel als regelmatig)","T21",null,null,{"$f":"'scoring vragenlijst'!G18","v":6},null,null,6.0000000000000001E-3,null,null,null,"11 belegginsgsvoorkeur",{"$f":"R14/$Q$13","v":0},0.5,{"$f":"F58","v":250},{"$f":"I58","v":0}]
[null,null,null,"T23 zonder kapitaalsbescherming",null,null,{"$f":"'scoring vragenlijst'!G19","v":8},null,null,8.0000000000000002E-3,null,null,null,"12 reactie bij sterke daling beleggingen",{"$f":"R15/$Q$13","v":0.16500000000000001},0.5,{"$f":"F62","v":250},{"$f":"I62","v":165}]
[null,null,null,"T23 met kapitaalsbescherming",null,null,{"$f":"'scoring vragenlijst'!G20","v":10},null,null,0.01,null,null,null,"13 welke schommeling waarde",{"$f":"R16/$Q$13","v":8.5000000000000006E-2},0.5,{"$f":"F66","v":250},{"$f":"I66","v":85}]
[null,null,null,"T26",null,null,{"$f":"'scoring vragenlijst'!G25","v":6},null,null,6.0000000000000001E-3,null,null,null,"14 verlies opvangbaar",{"$f":"R17/$Q$13","v":0.25},0.5,{"$f":"F70","v":250},{"$f":"I70","v":250}]
[null,null,"kennis andere financiële producten","vrij in te vullen door de klant",null,null,null,null,null,null,null,null,null,null,{"$f":"100%-SUM(O14:O17)","v":0.5}]
[null,null,"beleggingen in andere financiële producten","vrij in te vullen door de klant"]
["B. Financiële situatie","4 roerend vermogen","a","< €12,500","het meest doorslag-gevend",{"$f":"VLOOKUP(E20,$L$2:$M$6,2)","v":150},{"$f":"'scoring vragenlijst'!G28","v":0},{"$f":"RANDBETWEEN(1,5)","v":1},{"$f":"IF(H20=1,G20,IF(H20=2, G21,IF(H20=3,G22,IF(H20=4,G23,G24))))","v":0},{"$f":"G20/$F$52","v":0}]
[null,null,"b","€12,500-€ 50,000",null,null,{"$f":"'scoring vragenlijst'!G29","v":37},null,null,3.6999999999999998E-2,null,null,null,null,"voorkeur klant",null,"veiligheid","rendement"]
[null,null,"c","€50,000- €125,000",null,null,{"$f":"'scoring vragenlijst'!G30","v":75},null,null,7.4999999999999997E-2,null,null,null,"veiligheid vs rendement",{"$f":"I58","v":0},null,{"$f":"G58","v":0},{"$f":"G61","v":250},{"$f":"R22-O22","v":250}]
[null,null,"d","€125,000-250,000",null,null,{"$f":"'scoring vragenlijst'!G31","v":112},null,null,0.112]
[null,null,"e",">€ 250,000",null,null,{"$f":"'scoring vragenlijst'!G32","v":150},null,null,0.15]
[null,"5 onroerend vermogen","a","nee","minder",{"$f":"VLOOKUP(E25,$L$2:$M$6,2)","v":60},{"$f":"'scoring vragenlijst'!G33","v":0},{"$f":"RANDBETWEEN(1,3)","v":1},{"$f":"IF(H25=3,G25,IF(H25=4,G26,G27))","v":60},0,null,null,null,"Beleggingshorizon",{"$f":"IF(I48=G48,3,IF(I48=G49,8,IF(I48=G50,16,40)))","v":16}]
[null,null,"b","ja, vastgoed voor eigen gebruik",null,null,{"$f":"'scoring vragenlijst'!G34","v":30},null,null,{"$f":"G26/$F$52","v":0.03}]
[null,null,"c","ja, meerdere onroerende goederen",null,null,{"$f":"'scoring vragenlijst'!G35","v":60},null,null,0.06]
[null,"6 a inkomen","a","<€1,500","minder",{"$f":"VLOOKUP(E28,$L$2:$M$6,2)","v":60},{"$f":"'scoring vragenlijst'!G36","v":0},{"$f":"RANDBETWEEN(1,4)","v":1},{"$f":"IF(H28=1,G28,IF(H28=2,G29,IF(H28=3,G30,G31)))","v":0},0]
[null,null,"b","€1,500- €3,000",null,null,{"$f":"'scoring vragenlijst'!G37","v":20},null,null,0.02]
[null,null,"c","€3,000- €5,000",null,null,{"$f":"'scoring vragenlijst'!G38","v":40},null,null,0.04]
[null,null,"d",">€5,000",null,null,{"$f":"'scoring vragenlijst'!G39","v":60},null,null,0.06]
[null,"6 b inkomen_ maandelijkse lasten","a","<€750"]
[null,null,"b","€750-€1500"]
[null,null,"c","€1500-€2500"]
[null,null,"d",">€2500"]
[null,"7 spaar-mogelijkheid","a","<€250","het meest doorslag-gevend",{"$f":"VLOOKUP(E36,$L$2:$M$6,2)","v":150},{"$f":"'scoring vragenlijst'!G44","v":0},{"$f":"RANDBETWEEN(1,4)","v":2},{"$f":"IF(H36=1,G36,IF(H36=2,G37,IF(H36=3,G38,G39)))","v":45},0]
[null,null,"b","€250- €500",null,null,{"$f":"'scoring vragenlijst'!G45","v":45},null,null,4.4999999999999998E-2]
[null,null,"c","€500- €1000",null,null,{"$f":"'scoring vragenlijst'!G46","v":105},null,null,0.105]
[null,null,"d",">€1000",null,null,{"$f":"'scoring vragenlijst'!G47","v":150},null,null,0.15]
[null,"8 evolutie financiële situatie","a","ja, negatief","midden",100,{"$f":"'scoring vragenlijst'!G48","v":0},{"$f":"RANDBETWEEN(1,3)","v":3},{"$f":"IF(H40=1,G40,IF(H40=2,G41,G42))","v":100},0]
[null,null,"b","neen",null,null,{"$f":"'scoring vragenlijst'!G49","v":50},null,null,0.05,null,{"$f":"I40","v":100}]
[null,null,"c","ja, positief",null,null,{"$f":"'scoring vragenlijst'!G50","v":100},null,null,0.1]
["C. Doelstellingen","9 belangrijkste doelstelling","a","specifieke uitgave id toekomst","meer doorslag-gevend",{"$f":"VLOOKUP(E43,$L$2:$M$6,2)","v":125},{"$f":"'scoring vragenlijst'!G51","v":0},{"$f":"RANDBETWEEN(1,5)","v":2},{"$f":"IF(H43=1,G43,IF(H43=2,G44,IF(H43=3,G45,IF(H43=4,G46,G47))))","v":87},0]
[null,null,"b","algemene vermogensgroei",null,null,{"$f":"'scoring vragenlijst'!G52","v":87},null,null,8.6999999999999994E-2]
[null,null,"c","inspelen op beursontwikkeling",null,null,{"$f":"'scoring vragenlijst'!G53","v":125},null,null,0.125,null,{"$f":"I43","v":87}]
[null,null,"d","extra maandelijks inkomen ",null,null,{"$f":"'scoring vragenlijst'!G54","v":19},null,null,1.9E-2]
[null,null,"e","aanvulling toekomstig inkomen",null,null,{"$f":"'scoring vragenlijst'!G55","v":37},null,null,3.6999999999999998E-2]
[null,"10 termijn","a","< 3jaar","meer doorslag-gevend",{"$f":"VLOOKUP(E48,$L$2:$M$6,2)","v":125},{"$f":"'scoring vragenlijst'!G56","v":0},{"$f":"RANDBETWEEN(1,4)","v":3},{"$f":"IF(H48=1,G48,IF(H48=2,G49,IF(H48=3,G50,G51)))","v":87},0]
[null,null,"b","3 jaar - 8 jaar",null,null,{"$f":"'scoring vragenlijst'!G57","v":37},null,null,3.6999999999999998E-2,null,{"$f":"I48","v":87}]
[null,null,"c","8 jaar-16 jaar",null,null,{"$f":"'scoring vragenlijst'!G58","v":87},null,null,8.6999999999999994E-2]
[null,null,"d","> 16 jaar",null,null,{"$f":"'scoring vragenlijst'!G59","v":125},null,null,0.125]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F2:F51)","v":1000},null,null,{"$f":"SUM(I2:I51)","v":534}]
[]
[null,null,null,"Beleggersprofieltype",null,{"$f":"VLOOKUP(I52,'scoring vragenlijst'!$E$65:$G$68,3)","v":"c. équilibré"},{"$f":"VLOOKUP(I52,'scoring vragenlijst'!$E$65:$H$68,4)","v":3}]
[]
[]
[null,"vragen","antwoordmogelijkheden",null,"algemene weging","scoring/vraag","scoring/ antwoord","random test","Gesimuleerd antwoord","gewicht indiv antwoord tov totale score"]
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[null,"belegginsgs-voorkeur","b","grootste deel veilig beleggen",null,null,{"$f":"'scoring vragenlijst'!G73","v":85},null,null,{"$f":"G59/$F$74","v":8.5000000000000006E-2}]
[null,null,"c","enig risico -hoger rendement",null,null,{"$f":"'scoring vragenlijst'!G74","v":165},null,null,0.16500000000000001]
[null,null,"d","zo hoog mogelijk rendement",null,null,{"$f":"'scoring vragenlijst'!G75","v":250},null,null,0.25]
[null,12,"a","opportuniteit om bij te kopen","doorslag-gevend",{"$f":"VLOOKUP(E62,$L$66:$M$66,2)","v":250},250,{"$f":"RANDBETWEEN(1,4)","v":2},{"$f":"IF(H62=1,G62,IF(H62=2,G63,IF(H62=3,G64,G65)))","v":165},0.25]
[null,"reactie bij sterke daling beleggingen","b","evolutie opvolgen",null,null,165,null,null,0.16500000000000001]
[null,null,"c","overweeg verkoop",null,null,85,null,null,8.5000000000000006E-2]
[null,null,"d","niet slapen",null,null,0,null,null,0,null,"soort vraag","gewicht"]
[null,13,"a","ik reageer niet","doorslag-gevend",{"$f":"VLOOKUP(E66,$L$66:$M$66,2)","v":250},{"$f":"'scoring vragenlijst'!G80","v":250},{"$f":"RANDBETWEEN(1,4)","v":3},{"$f":"IF(H66=1,G66,IF(H66=2,G67,IF(H66=3,G68,G69)))","v":85},0.25,null,"doorslaggevend",{"$f":"'scoring vragenlijst'!N77","v":250}]
[null,"welke schommeling waarde","b","matig",null,null,{"$f":"'scoring vragenlijst'!G81","v":165},null,null,0.16500000000000001]
[null,null,"c","sterk",null,null,{"$f":"'scoring vragenlijst'!G82","v":85},null,null,8.5000000000000006E-2]
[null,null,"d","zeer sterk",null,null,{"$f":"'scoring vragenlijst'!G83","v":0},null,null,0]
[null,14,"a","erg moeilijk","doorslag-gevend",{"$f":"VLOOKUP(E70,$L$66:$M$66,2)","v":250},{"$f":"'scoring vragenlijst'!G84","v":0},{"$f":"RANDBETWEEN(1,4)","v":4},{"$f":"IF(H70=1,G70,IF(H70=2,G71,IF(H70=3,G72,G73)))","v":250},0]
[null,"verlies opvangbaar","b","uitgaven aanpassen",null,null,{"$f":"'scoring vragenlijst'!G85","v":85},null,null,8.5000000000000006E-2]
[null,null,"c","compenseren",null,null,{"$f":"'scoring vragenlijst'!G86","v":165},null,null,0.16500000000000001]
[null,null,"d","geen probleem",null,null,{"$f":"'scoring vragenlijst'!G87","v":250},null,null,0.25]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F58:F73)","v":1000},null,null,{"$f":"SUM(I58:I72)","v":500}]
[]
[null,null,null,"Beleggersprofieltype",null,{"$f":"VLOOKUP(I74,'scoring vragenlijst'!$E$65:$G$68,3)","v":"b. neutre"},{"$f":"VLOOKUP(I74,'scoring vragenlijst'!$E$65:$H$68,4)","v":2}]
[]
[null,null,null,"FINALE BELEGGERSTYPE",null,{"$f":"IF(G54<G76,F54,F76)","v":"b. neutre"}]

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["A. Kennis en ervaring","1 kennis uit opleiding","a","nee","minst doorslag-gevend",{"$f":"VLOOKUP(E2,$M$2:$N$6,2)","v":35},0,null,null,{"$f":"G2/$F$60","v":0},null,null,"het meest doorslaggevend",150]
[null,null,"b","ja",null,null,{"$f":"F2","v":35},{"$f":"MAX(G2:G3)","v":35},null,3.5000000000000003E-2,null,null,"meer doorslaggevend",125]
[null,"2 beroeps-matige kennis","a","nee","minst doorslag-gevend",{"$f":"VLOOKUP(E2,$M$2:$N$6,2)","v":35},0,null,{"$f":"MIN(G2:G5)","v":0},0,null,null,"midden",100]
[null,null,"b","ja",null,null,{"$f":"F4","v":35},{"$f":"MAX(G4:G5)","v":35},null,3.5000000000000003E-2,null,null,"minder",60]
[null,"2 interesse","a","geen interesse","midden",{"$f":"VLOOKUP(E6,$M$2:$N$6,2)","v":100},0,null,null,0,null,null,"minst doorslaggevend",35]
[null,null,"b","lees financiële bladzijden",null,null,30,null,null,0.03]
[null,null,"c","zoek actief financiële informatie",null,null,70,null,null,7.0000000000000007E-2,null,null,"totaal",{"$f":"F60","v":1000}]
[null,null,"d","volg financiële markt beroepsmatig",null,null,100,{"$f":"MAX(G6:G9)","v":100},{"$f":"MIN(G6:G9)","v":0},0.1]
[null,"3 tabel producten","producten die u kent","T21","minder",{"$f":"VLOOKUP(E10,$M$2:$N$6,2)","v":60},6,null,null,6.0000000000000001E-3]
[null,null,null,"T23 zonder kapitaalsbescherming",null,null,8,null,null,8.0000000000000002E-3]
[null,null,null,"T23 met kapitaalsbescherming",null,null,10,null,null,0.01]
[null,null,null,"onderliggende activa T23:"]
[null,null,null,"aandelen"]
[null,null,null,"obligaties en andere vastrentende producten"]
[null,null,null,"andere (te preciseren)"]
[null,null,null,"T26",null,null,6,null,null,6.0000000000000001E-3]
[null,null,"producten waarin occasioneel of regelmatig belegd","T21",null,null,6,null,null,6.0000000000000001E-3]
[null,null,null,"T23 zonder kapitaalsbescherming",null,null,8,null,null,8.0000000000000002E-3]
[null,null,null,"T23 met kapitaalsbescherming",null,null,10,null,null,0.01]
[null,null,null,"onderliggende activa T23:"]
[null,null,null,"aandelen"]
[null,null,null,"obligaties en andere vastrentende producten"]
[null,null,null,"andere (te preciseren)"]
[null,null,null,"T26",null,null,6,{"$f":"SUM(G10:G25)","v":60},null,6.0000000000000001E-3]
[null,null,"kennis andere financiële producten","vrij in te vullen door de klant"]
[null,null,"beleggingen in andere financiële producten","vrij in te vullen door de klant"]
["B. Financiële situatie","4 roerend vermogen","a","< €12,500","het meest doorslag-gevend",{"$f":"VLOOKUP(E28,$M$2:$N$6,2)","v":150},0,null,null,{"$f":"G28/$F$60","v":0}]
[null,null,"b","€12,500-€ 50,000",null,null,37,null,null,3.6999999999999998E-2]
[null,null,"c","€50,000- €125,000",null,null,75,null,null,7.4999999999999997E-2]
[null,null,"d","€125,000-250,000",null,null,112,null,null,0.112]
[null,null,"e",">€ 250,000",null,null,150,{"$f":"MAX(G28:G32)","v":150},{"$f":"MIN(G28:G32)","v":0},0.15]
[null,"5 onroerend vermogen","a","nee","minder",{"$f":"VLOOKUP(E33,$M$2:$N$6,2)","v":60},0,null,null,0]
[null,null,"b","ja, vastgoed voor eigen gebruik",null,null,30,null,null,0.03]
[null,null,"c","ja, meerdere onroerende goederen",null,null,60,{"$f":"MAX(G33:G35)","v":60},{"$f":"MIN(G33:G35)","v":0},0.06]
[null,"6 inkomen_ netto-inkomen","a","<€1,500","minder",{"$f":"VLOOKUP(E36,$M$2:$N$6,2)","v":60},0,null,null,0]
[null,null,"b","€1,500- €3,000",null,null,20,null,null,0.02]
[null,null,"c","€3,000- €5,000",null,null,40,null,null,0.04]
[null,null,"d",">€5,000",null,null,60,{"$f":"MAX(G36:G39)","v":60},{"$f":"MIN(G36:G39)","v":0},0.06]
[null,"6 inkomen_ maandelijkse lasten","a","<€750"]
[null,null,"b","€750-€1500"]
[null,null,"c","€1500-€2500"]
[null,null,"d",">€2500"]
[null,"7 spaar-mogelijkheid","a","<€250","het meest doorslag-gevend",{"$f":"VLOOKUP(E44,$M$2:$N$6,2)","v":150},0,null,null,{"$f":"G44/$F$60","v":0}]
[null,null,"b","€250- €500",null,null,45,null,null,4.4999999999999998E-2]
[null,null,"c","€500- €1000",null,null,105,null,null,0.105]
[null,null,"d",">€1000",null,null,150,{"$f":"MAX(G44:G47)","v":150},{"$f":"MIN(G44:G47)","v":0},0.15]
[null,"8 evolutie financiële situatie","b","ja, negatief","midden",100,0,null,null,0]
[null,null,"c","neen",null,null,50,null,null,0.05]
[null,null,"d","ja, positief",null,null,100,{"$f":"MAX(G48:G50)","v":100},{"$f":"MIN(G48:G50)","v":0},0.1]
["C. Doelstellingen","9 belangrijkste doelstelling","a","specifieke uitgave id toekomst","meer doorslag-gevend",{"$f":"VLOOKUP(E51,$M$2:$N$6,2)","v":125},0,null,null,0]
[null,null,"b","algemene vermogensgroei",null,null,87,null,null,8.6999999999999994E-2]
[null,null,"c","inspelen op beursontwikkeling",null,null,125,null,null,0.125]
[null,null,"d","extra maandelijks inkomen ",null,null,19,null,null,1.9E-2]
[null,null,"e","aanvulling toekomstig inkomen",null,null,37,{"$f":"MAX(G51:G55)","v":125},{"$f":"MIN(G51:G55)","v":0},3.6999999999999998E-2]
[null,"10 termijn","a","< 3jaar","meer doorslag-gevend",{"$f":"VLOOKUP(E56,$M$2:$N$6,2)","v":125},0,null,null,0]
[null,null,"b","3 jaar - 8 jaar",null,null,37,null,null,3.6999999999999998E-2]
[null,null,"c","8 jaar-16 jaar",null,null,87,null,null,8.6999999999999994E-2]
[null,null,"d","> 16 jaar",null,null,125,{"$f":"MAX(G56:G59)","v":125},{"$f":"MIN(G56:G59)","v":0},0.125]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F2:F59)","v":1000},null,{"$f":"SUM(H3:H59)","v":1000},{"$f":"SUM(I2:I59)","v":0}]
[null,null,null,"Range van scores (Max-min score):",null,{"$f":"H60-I60","v":1000}]
[null,null,null,"bij 4 profieltypes: range/type",null,{"$f":"F61/4","v":250}]
[]
[null,null,null,"profieltypes","min score","max score",null,null,"Profielbeschrijving"]
[null,null,null,"a. defensief",{"$f":"$I$60","v":0},{"$f":"$E$65+$F$62","v":250},"a. défensif",1,"Veiligheid is uw prioriteit; U hecht veel belang aan kapitaalbescherming, zelfs als dit ten koste gaat van rendement; U heeft algemeen de voorkeur voor sparen en beleggen met weinig schommelingen en een stabiel maar bescheiden rendement."]
[null,null,null,"b. neutraal",{"$f":"$F$65+1","v":251},{"$f":"$E$66+$F$62-1","v":500},"b. neutre",2,"U geeft de voorkeur aan aangroei van het vermogen zonder daarbij blootgesteld te worden aan een al te hoog risico op waardedaling; U bent bereid  enig risico te nemen om het rendement te verhogen, maar slechts in beperkte mate; Voor het grootste deel van uw vermogen streeft u naar sparen en beleggen met weinig schommelingen en een stabiel rendement."]
[null,null,null,"c. evenwichtig",{"$f":"$F$66+1","v":501},{"$f":"$E$67+$F$62-1","v":750},"c. équilibré",3,"Rendement en beperking van het risico zijn allebei belangrijk; U vindt het aanvaardbaar om risico te nemen om een potentieel hoger rendement te behalen; U heeft evenwel geen bereidheid om uitgesproken risico’s te nemen waardoor uw spaartegoed of belegging sterk in waarde zou kunnen dalen."]
[null,null,null,"d. dynamisch",{"$f":"$F$67+1","v":751},{"$f":"$E$68+$F$62-1","v":1000},"d. dynamique",4,"Uw doelstelling is de groei van uw vermogen op lange termijn; U vindt een zo hoog mogelijk potentieel rendement belangrijk, wetende dat daaraan risico's verbonden zijn; U aanvaardt sterke opwaartse en neerwaartse schommelingen in de waarde van de spaar- en beleggingsverzekeringen, bijvoorbeeld ten gevolge van koersschommelingen of wisselrisico’s.  "]
[]
[]
[null,"vragen","antwoordmogelijkheden",null,"algemene weging","scoring/vraag","scoring/ antwoord","max score","min score","gewicht indiv antwoord tov totale score"]
["Risicoappetijt",11,"a","kapitaalbehoud is belangrijkste","doorslag-gevend",{"$f":"VLOOKUP(E72,$M$77:$N$77,2)","v":250},0,null,null,{"$f":"G72/$F$88","v":0}]
[null,"belegginsgs-voorkeur","b","grootste deel veilig beleggen",null,null,85,null,null,{"$f":"G73/$F$88","v":8.5000000000000006E-2}]
[null,null,"c","enig risico -hoger rendement",null,null,165,null,null,0.16500000000000001]
[null,null,"d","zo hoog mogelijk rendement",null,null,250,{"$f":"MAX(G72:G75)","v":250},{"$f":"MIN(G72:G75)","v":0},0.25]
[null,12,"a","opportuniteit om bij te kopen","doorslag-gevend",{"$f":"VLOOKUP(E76,$M$77:$N$77,2)","v":250},250,null,null,0.25,null,null,"soort vraag","gewicht"]
[null,"reactie bij sterke daling beleggingen","b","evolutie opvolgen",null,null,165,null,null,0.16500000000000001,null,null,"doorslaggevend",250]
[null,null,"c","overweeg verkoop",null,null,85,null,null,8.5000000000000006E-2]
[null,null,"d","niet slapen",null,null,0,{"$f":"MAX(G76:G79)","v":250},{"$f":"MIN(G76:G79)","v":0},0]
[null,13,"a","ik reageer niet","doorslag-gevend",{"$f":"VLOOKUP(E80,$M$77:$N$77,2)","v":250},250,null,null,0.25]
[null,"welke schommeling waarde","b","matig",null,null,165,null,null,0.16500000000000001]
[null,null,"c","sterk",null,null,85,null,null,8.5000000000000006E-2]
[null,null,"d","zeer sterk",null,null,0,{"$f":"MAX(G80:G83)","v":250},{"$f":"MIN(G80:G83)","v":0},0]
[null,14,"a","erg moeilijk","doorslag-gevend",{"$f":"VLOOKUP(E84,$M$77:$N$77,2)","v":250},0,null,null,0]
[null,"verlies opvangbaar","b","uitgaven aanpassen",null,null,85,null,null,8.5000000000000006E-2]
[null,null,"c","compenseren",null,null,165,null,null,0.16500000000000001]
[null,null,"d","geen probleem",null,null,250,{"$f":"MAX(G84:G87)","v":250},{"$f":"MIN(G84:G87)","v":0},0.25]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F72:F87)","v":1000},null,{"$f":"SUM(H72:H87)","v":1000},{"$f":"SUM(I72:I87)","v":0}]

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[null,"questions","possibilités",null,"algemene weging","scoring/vraag","scoring/ antwoord","choix/réponse","score antwoord",null,"soort vraag","gewicht",null,"Check-up klant","resultaat klant",0.5,"maximum score","antwoord klant "]
["A. Connaissances et expérience","1 formation et connaissance","a","non","minst doorslag-gevend",{"$f":"VLOOKUP(E9,$K$9:$L$13,2)","v":35},{"$f":"'scoring vragenlijst'!G2","v":0},null,{"$f":"IF(H9=\"x\",G9,IF(H10=\"X\",G10,\"nog in te vullen\"))","v":"nog in te vullen"},null,"het meest doorslaggevend",{"$f":"'scoring vragenlijst'!N2","v":150},null,"Kennis en ervaring",{"$f":"R9/$Q$9","v":0},null,{"$f":"SUM(Q10:Q12)","v":170},{"$f":"SUM(R10:R12)","v":0}]
[null,null,"b","oui",null,null,{"$f":"'scoring vragenlijst'!G3","v":35},null,null,null,"meer doorslaggevend",{"$f":"'scoring vragenlijst'!N3","v":125},null,"1 kennis uit opleiding",{"$f":"R10/$Q$9","v":{"$error":"#VALUE!"}},0.5,{"$f":"F9","v":35},{"$f":"I9","v":"nog in te vullen"},"Tuyau"]
[null,"2 profession et connaissance","a","non","minst doorslag-gevend",{"$f":"VLOOKUP(E11,$K$9:$L$13,2)","v":35},{"$f":"'scoring vragenlijst'!G4","v":0},null,{"$f":"IF(H11=\"x\",G11,IF(H12=\"X\",G12,\"nog in te vullen\"))","v":"nog in te vullen"},null,"midden",{"$f":"'scoring vragenlijst'!N4","v":100},null,"2 beroepskennis",{"$f":"R11/$Q$9","v":{"$error":"#VALUE!"}},0.5,{"$f":"F11","v":35},{"$f":"I11","v":"nog in te vullen"},"Utilisez le bouton                         pour naviguer entre les zones de réponse."]
[null,null,"b","oui",null,null,{"$f":"'scoring vragenlijst'!G5","v":35},null,null,null,"minder",{"$f":"'scoring vragenlijst'!N5","v":60},null,"3 interesse",{"$f":"R12/$Q$9","v":{"$error":"#VALUE!"}},0.5,{"$f":"F13","v":100},{"$f":"I13","v":"nog in te vullen"}]
[null,"3 intérêt","a","pas intéressé","midden",{"$f":"VLOOKUP(E13,$K$9:$L$13,2)","v":100},{"$f":"'scoring vragenlijst'!G6","v":0},null,{"$f":"IF(H13=\"x\",G13,IF(H14=\"x\",G14,IF(H15=\"x\",G15,IF(H16=\"x\",G16,\"nog in te vullen\"))))","v":"nog in te vullen"},null,"minst doorslaggevend",{"$f":"'scoring vragenlijst'!N6","v":35},null,null,{"$f":"100%-SUM(O10:O12)","v":{"$error":"#VALUE!"}}]
[null,null,"b","lire les pages financières",null,null,{"$f":"'scoring vragenlijst'!G7","v":30},null,null,null,null,null,null,"Financiële situatie",{"$f":"R14/$Q$14","v":0},null,{"$f":"SUM(Q15:Q18)","v":420},{"$f":"SUM(R15:R18)","v":0}]
[null,null,"c","recherche des informations financières",null,null,{"$f":"'scoring vragenlijst'!G8","v":70},null,null,null,"totaal",{"$f":"F67","v":1000},null,"4 roerend vermogen",{"$f":"R15/$Q$14","v":{"$error":"#VALUE!"}},0.5,{"$f":"F35","v":150},{"$f":"I35","v":"nog in te vullen"}]
[null,null,"d","suivre les marchés fianciers dans les activités professionnelles",null,null,{"$f":"'scoring vragenlijst'!G9","v":100},null,null,null,null,null,null,"5 onroerend vermogen",{"$f":"R16/$Q$14","v":{"$error":"#VALUE!"}},0.5,{"$f":"F40","v":60},{"$f":"I40","v":"nog in te vullen"}]
[null,"3 table produits","les produits que vous connaissez","branche 21","minder",{"$f":"VLOOKUP(E17,$K$9:$L$13,2)","v":60},{"$f":"'scoring vragenlijst'!G10","v":6},null,{"$f":"(IF(H17=\"x\",G17,0)+(IF(H18=\"x\",G18,0))+(IF(H19=\"x\",G19,0))+(IF(H24=\"x\",G24,0))+(IF(H25=\"x\",G25,0))+(IF(H26=\"x\",G26,0))+(IF(H27=\"x\",G27,0))+(IF(H32=\"x\",G32,0)))","v":0},null,null,null,null,"6a netto-inkomen",{"$f":"R17/$Q$14","v":{"$error":"#VALUE!"}},0.5,{"$f":"F43","v":60},{"$f":"I43","v":"nog in te vullen"}]
[null,null,null,"branche 23 sans capital garanti",null,null,{"$f":"'scoring vragenlijst'!G11","v":8},null,null,null,null,null,null,"7 spaarmogelijkheid",{"$f":"R18/$Q$14","v":{"$error":"#VALUE!"}},0.5,{"$f":"F51","v":150},{"$f":"I51","v":"nog in te vullen"}]
[null,null,null,"branche 23 avec capital garanti",null,null,{"$f":"'scoring vragenlijst'!G12","v":10},null,null,null,null,null,null,null,{"$f":"100%-(SUM(O15:O18))","v":{"$error":"#VALUE!"}}]
[null,null,null,"les actifs sous-jacents branche 23:"]
[null,null,null,"actions"]
[null,null,null,"obligations et autre produits à rendement fixe"]
[null,null,null,"autre",null,null,null,"(à préciser)",null,{"$f":"NOT(H23=\"(te preciseren)\")","v":true}]
[null,null,null,"branche 26",null,null,{"$f":"'scoring vragenlijst'!G17","v":6},null,null,null,null,null,null,"Risico-appetijt",{"$f":"R24/$Q$24","v":0},null,{"$f":"SUM(Q25:Q32)","v":1000},{"$f":"SUM(R25:R32)","v":0}]
[null,null,"les produits dans lesquels vous investissez à l'heure actuelle","branche 21",null,null,{"$f":"'scoring vragenlijst'!G18","v":6},null,null,null,null,null,null,"11 belegginsgsvoorkeur",{"$f":"R25/$Q$24","v":{"$error":"#VALUE!"}},0.5,{"$f":"F73","v":250},{"$f":"I73","v":"nog in te vullen"}]
[null,null,null,"branche 23 sans capital garanti",null,null,{"$f":"'scoring vragenlijst'!G19","v":8},null,null,null,null,null,null,"12 reactie bij sterke daling beleggingen",{"$f":"R26/$Q$24","v":{"$error":"#VALUE!"}},0.5,{"$f":"F77","v":250},{"$f":"I77","v":"nog in te vullen"}]
[null,null,null,"branche 23 avec capital garanti",null,null,{"$f":"'scoring vragenlijst'!G20","v":10},null,null,null,null,null,null,"13 welke schommeling waarde",{"$f":"R27/$Q$24","v":{"$error":"#VALUE!"}},0.5,{"$f":"F81","v":250},{"$f":"I81","v":"nog in te vullen"}]
[null,null,null,"les actifs sous-jacents branche 23:"]
[null,null,null,"actions"]
[null,null,null,"obligations et autre produits à rendement fixe"]
[null,null,null,"autre",null,null,null,"(à préciser)",null,{"$f":"NOT(H31=\"(te preciseren)\")","v":true}]
[null,null,null,"branche 26",null,null,{"$f":"'scoring vragenlijst'!G25","v":6},null,null,null,null,null,null,"14 verlies opvangbaar",{"$f":"R32/$Q$24","v":{"$error":"#VALUE!"}},0.5,{"$f":"F85","v":250},{"$f":"I85","v":"nog in te vullen"}]
[null,null,"connaissances en d'autres produits financiers",null,null,null,null,"(à préciser)",null,null,null,null,null,null,{"$f":"100%-SUM(O25:O32)","v":{"$error":"#VALUE!"}}]
[null,null,"vos investissements dans les autres produits financiers",null,null,null,null,"(à préciser)",null,null,null,null,null,"Beleggingshorizon",{"$f":"IF(H63=\"X\",3,IF(H64=\"x\",8,IF(H65=\"x\",16,24)))","v":24}]
["B. Situation financière","4 patrimoine - biens mobiliers","a","< €12,500","het meest doorslag-gevend",{"$f":"VLOOKUP(E35,$K$9:$L$13,2)","v":150},{"$f":"'scoring vragenlijst'!G28","v":0},null,{"$f":"IF(H35=\"x\",G35,IF(H36=\"x\",G36,IF(H37=\"x\",G37,IF(H38=\"x\",G38,IF(H39=\"x\",G39,\"nog in te vullen\")))))","v":"nog in te vullen"},null,null,null,null,null,"voorkeur klant",null,"veiligheid","rendement"]
[null,null,"b","€12,500-€ 50,000",null,null,{"$f":"'scoring vragenlijst'!G29","v":37},null,null,null,null,null,null,"veiligheid vs rendement",{"$f":"IF(H73=\"x\",G73,IF(H74=\"x\",G74,IF(H75=\"x\",G75,G76)))","v":250},null,{"$f":"G73","v":0},{"$f":"G76","v":250},{"$f":"R36-O36","v":0}]
[null,null,"c","€50,000- €125,000",null,null,{"$f":"'scoring vragenlijst'!G30","v":75}]
[null,null,"d","€125,000-250,000",null,null,{"$f":"'scoring vragenlijst'!G31","v":112}]
[null,null,"e",">€ 250,000",null,null,{"$f":"'scoring vragenlijst'!G32","v":150}]
[null,"5 patroimoine - biens immobiliers","a","non","minder",{"$f":"VLOOKUP(E40,$K$9:$L$13,2)","v":60},{"$f":"'scoring vragenlijst'!G33","v":0},null,{"$f":"IF(H40=\"x\",G40,IF(H41=\"x\",G41,IF(H42=\"x\",G42,\"nog in te vullen\")))","v":"nog in te vullen"}]
[null,null,"b","oui, bien immobilier pour propre usage",null,null,{"$f":"'scoring vragenlijst'!G34","v":30}]
[null,null,"c","oui, plusieurs biens immobiliers",null,null,{"$f":"'scoring vragenlijst'!G35","v":60}]
[null,"6a revenus nets mensuels","a","<€1,500","minder",{"$f":"VLOOKUP(E43,$K$9:$L$13,2)","v":60},{"$f":"'scoring vragenlijst'!G36","v":0},null,{"$f":"IF(H43=\"x\",G43,IF(H44=\"x\",G44,IF(H45=\"x\",G45,IF(H46=\"x\",G46,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,null,"b","€1,500- €3,000",null,null,{"$f":"'scoring vragenlijst'!G37","v":20},null,null,{"$f":"IF(H43=\"x\",1500,IF(H44=\"x\",3000,IF(H45=\"x\",5000,1000000000000)))","v":1000000000000}]
[null,null,"c","€3,000- €5,000",null,null,{"$f":"'scoring vragenlijst'!G38","v":40}]
[null,null,"d",">€5,000",null,null,{"$f":"'scoring vragenlijst'!G39","v":60}]
[null,"6b charges mensuelles","a","<€750"]
[null,null,"b","€750-€1500",null,null,null,null,{"$f":"IF(J44-J48<J52,\"inkomen onvoldoende\",0)","v":0},{"$f":"IF(H47=\"x\",750,IF(H48=\"x\",1500,IF(H49=\"x\",2500,4000)))","v":4000}]
[null,null,"c","€1500-€2500"]
[null,null,"d",">€2500"]
[null,"7 capacité d'épargne","a","<€250","het meest doorslag-gevend",{"$f":"VLOOKUP(E51,$K$9:$L$13,2)","v":150},{"$f":"'scoring vragenlijst'!G44","v":0},null,{"$f":"IF(H51=\"x\",G51,IF(H52=\"x\",G52,IF(H53=\"x\",G53,IF(H54=\"x\",G54,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,null,"b","€250- €500",null,null,{"$f":"'scoring vragenlijst'!G45","v":45},null,null,{"$f":"IF(H51=\"x\",250,IF(H52=\"x\",500,IF(H53=\"x\",1000,4000)))","v":4000}]
[null,null,"c","€500- €1000",null,null,{"$f":"'scoring vragenlijst'!G46","v":105}]
[null,null,"d",">€1000",null,null,{"$f":"'scoring vragenlijst'!G47","v":150}]
[null,"8 évolution situation financière","a","oui, négativement","midden",{"$f":"VLOOKUP(E55,$K$9:$L$13,2)","v":100},{"$f":"'scoring vragenlijst'!G48","v":0},null,{"$f":"IF(H55=\"x\",G55,IF(H56=\"x\",G56,IF(H57=\"x\",G57,\"nog in te vullen\")))","v":"nog in te vullen"}]
[null,null,"b","non",null,null,{"$f":"'scoring vragenlijst'!G49","v":50}]
[null,null,"c","oui, positivement",null,null,{"$f":"'scoring vragenlijst'!G50","v":100}]
["C. Objectifs","9 objectif","a","dépense spécifique dans le futur","meer doorslag-gevend",{"$f":"VLOOKUP(E58,$K$9:$L$13,2)","v":125},{"$f":"'scoring vragenlijst'!G51","v":0},null,{"$f":"IF(H58=\"x\",G58,IF(H59=\"x\",G59,IF(H60=\"x\",G60,IF(H61=\"x\",G61,IF(H62=\"x\",G62,\"nog in te vullen\")))))","v":"nog in te vullen"}]
[null,null,"b","faire fructifier un capital",null,null,{"$f":"'scoring vragenlijst'!G52","v":87}]
[null,null,"c","anticiper les évolutions de la bourse",null,null,{"$f":"'scoring vragenlijst'!G53","v":125}]
[null,null,"d","revenu mensuel en plus",null,null,{"$f":"'scoring vragenlijst'!G54","v":19}]
[null,null,"e","complément au revenu futur",null,null,{"$f":"'scoring vragenlijst'!G55","v":37}]
[null,"10 délai","a","< 3 ans","meer doorslag-gevend",{"$f":"VLOOKUP(E63,$K$9:$L$13,2)","v":125},{"$f":"'scoring vragenlijst'!G56","v":0},null,{"$f":"IF(H63=\"x\",G63,IF(H64=\"x\",G64,IF(H65=\"x\",G65,IF(H66=\"x\",G66,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,null,"b","3 ans - 8 ans",null,null,{"$f":"'scoring vragenlijst'!G57","v":37}]
[null,null,"c","8 ans -16 ans",null,null,{"$f":"'scoring vragenlijst'!G58","v":87}]
[null,null,"d","> 16 ans",null,null,{"$f":"'scoring vragenlijst'!G59","v":125}]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F9:F66)","v":1000},null,null,{"$f":"IF(COUNTIF(I9:I66,\"nog in te vullen\")>=1,\"nog min 1 vraag te beantwoorden\",(IF(I48=\"inkomen onvoldoende\",\"inkomen onvoldoende\",SUM(I9:I66))))","v":"nog min 1 vraag te beantwoorden"}]
[]
[null,"Beleggersprofieltype",null,{"$f":"IF(I67=\"nog min 1 vraag te beantwoorden\",\"geen profielbepaling mogelijk\",IF(I67=\"inkomen onvoldoende\",\"geen profielbepaling mogelijk\",VLOOKUP(I67,'scoring vragenlijst'!$E$65:$G$68,3)))","v":"geen profielbepaling mogelijk"},null,null,{"$f":"VLOOKUP(I67,'scoring vragenlijst'!E65:H68,4)","v":{"$error":"#N/A"}}]
[]
[]
[null,"questions","possibilités",null,"algemene weging","scoring/vraag","scoring/ antwoord","choix/réponse","score antwoord"]
["Appétit pour le risque",11,"a","conservation du capital investi","doorslag-gevend",{"$f":"VLOOKUP(E73,$K$78:$L$78,2)","v":250},{"$f":"'scoring vragenlijst'!G72","v":0},null,{"$f":"IF(H73=\"x\",G73,IF(H74=\"x\",G74,IF(H75=\"x\",G75,IF(H76=\"x\",G76,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,"préférence d'investir","b","investir sûr pour la majeure partie",null,null,{"$f":"'scoring vragenlijst'!G73","v":85}]
[null,null,"c","un peu plus de risques - obtenir de rendement",null,null,{"$f":"'scoring vragenlijst'!G74","v":165}]
[null,null,"d","un rendement aussi élevé que possible",null,null,{"$f":"'scoring vragenlijst'!G75","v":250}]
[null,12,"a","opportunité pour autres achats","doorslag-gevend",{"$f":"VLOOKUP(E77,$K$78:$L$78,2)","v":250},{"$f":"'scoring vragenlijst'!G76","v":250},null,{"$f":"IF(H77=\"x\",G77,IF(H78=\"x\",G78,IF(H79=\"x\",G79,IF(H80=\"x\",G80,\"nog in te vullen\"))))","v":"nog in te vullen"},null,"soort vraag","gewicht"]
[null,"réaction en cas de valeur à la baisse","b","suivre leur évolution de près",null,null,{"$f":"'scoring vragenlijst'!G77","v":165},null,null,null,"doorslaggevend",{"$f":"'scoring vragenlijst'!N77","v":250}]
[null,null,"c","envisage de me débarrasser",null,null,{"$f":"'scoring vragenlijst'!G78","v":85}]
[null,null,"d","s'empêcher de dormir",null,null,{"$f":"'scoring vragenlijst'!G79","v":0}]
[null,13,"a","je ne réagis pas","doorslag-gevend",{"$f":"VLOOKUP(E81,$K$78:$L$78,2)","v":250},{"$f":"'scoring vragenlijst'!G80","v":250},null,{"$f":"IF(H81=\"x\",G81,IF(H82=\"x\",G82,IF(H83=\"x\",G83,IF(H84=\"x\",G84,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,"réaction en cas de fluctuation","b","de façon modérée",null,null,{"$f":"'scoring vragenlijst'!G81","v":165}]
[null,null,"c","de façon excessive",null,null,{"$f":"'scoring vragenlijst'!G82","v":85}]
[null,null,"d","de façon très excessive",null,null,{"$f":"'scoring vragenlijst'!G83","v":0}]
[null,14,"a","avec de difficultés","doorslag-gevend",{"$f":"VLOOKUP(E85,$K$78:$L$78,2)","v":250},{"$f":"'scoring vragenlijst'!G84","v":0},null,{"$f":"IF(H85=\"x\",G85,IF(H86=\"x\",G86,IF(H87=\"x\",G87,IF(H88=\"x\",G88,\"nog in te vullen\"))))","v":"nog in te vullen"}]
[null,"réaction en cas de perte","b","réduire mes dépenses",null,null,{"$f":"'scoring vragenlijst'!G85","v":85}]
[null,null,"c","compenser",null,null,{"$f":"'scoring vragenlijst'!G86","v":165}]
[null,null,"d","aucun problème",null,null,{"$f":"'scoring vragenlijst'!G87","v":250}]
[null,null,null,null,"TOTAAL",{"$f":"SUM(F73:F88)","v":1000},null,null,{"$f":"IF(COUNTIF(I73:I88,\"nog in te vullen\")>=1,\"nog min 1 vraag te beantwoorden\",SUM(I73:I88))","v":"nog min 1 vraag te beantwoorden"}]
[]
[null,"Beleggersprofieltype",null,{"$f":"IF(I89=\"nog min 1 vraag te beantwoorden\", \"geen profielbepaling mogelijk\",VLOOKUP(I89,'scoring vragenlijst'!$E$65:$G$68,3))","v":"geen profielbepaling mogelijk"},null,null,{"$f":"VLOOKUP(I89,'scoring vragenlijst'!E65:H68,4)","v":{"$error":"#N/A"}}]
[]
["TYPE D'INVESTISSEUR",null,null,{"$f":"IF(OR(D69=\"geen profielbepaling mogelijk\",D91=\"geen profielbepaling mogelijk\"),\"profil ne peut être déterminé\",IF(G69<G91,D69,D91))","v":"profil ne peut être déterminé"}]

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[]
[null,"< logotype intermédaire >"]
[]
[]
[]
[null,"nom intermédaire"]
[null,"adresse"]
[null,"code postal + commune"]
[null,null,null,null,null,null,null,null,null,null,null,"date",{"$f":"IF(simulation!H6=\"\",\"\",simulation!H6)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,"référence",{"$f":"IF(simulation!H4=\"\",\"\",simulation!H4)","v":""}]
[null,"Analyse du client"]
[null,"nom",null,null,{"$f":"IF(simulation!H1=\"\",\"\",simulation!H1)","v":""}]
[null,"prénom",null,null,{"$f":"IF(simulation!H2=\"\",\"\",simulation!H2)","v":""}]
[null,"date de naissance",null,null,{"$f":"IF(simulation!H3=\"\",\"\",simulation!H3)","v":""}]
[]
[null,"Vos connaissances et votre expérience ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"a. defensief","La sécurité est votre priorité ; vous attachez beaucoup d'importance à la protection du capital, même si c'est au détriment du rendement ; vous préférez d'une manière générale l'épargne et l'investissement avec peu de fluctuations et un rendement stable mais modeste."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"b. neutraal","Vous donnez la préférence à une croissance du capital sans être exposé à un risque trop élevé de baisse de valeur  ; vous êtes disposé à prendre quelques risques pour accroître le rendement, mais seulement dans une mesure limitée ; pour la majeure partie de vos avoirs, vous recherchez une épargne et un investissement avec peu de fluctuations et un rendement stable."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"c. evenwichtig","Rendement et limitation du risque sont deux critères importants ; vous trouvez acceptable de prendre un risque afin d'obtenir un rendement potentiellement plus élevé ; vous  n'êtes toutefois pas disposé à prendre des risques marqués qui pourraient entraîner une baisse de valeur considérable de votre épargne ou de votre investissement."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"d. dynamisch","Votre objectif est la croissance de votre capital à long terme ; vous estimez important d'avoir un rendement potentiel le plus élevé possible, tout en sachant que cela ne va pas sans risque ; vous acceptez de fortes variations à la hausse et à la baisse de la valeur des assurances d'épargne et d'investissement, consécutives par exemple à des fluctuations de cours ou de risques de change."]
[]
[]
[]
[]
[]
[]
[null,"Connaissances générales en matière financière"]
[null,{"$f":"IF(simulation!O9<0.33,\"Vous avez peu de connaissances générales en matière financière.\",IF(simulation!O9<0.66,\"Vous avez assez bien de connaissances générales en matière financière.\",\"Vous avez de larges connaissances générales en matière financière.\"))","v":"Vous avez peu de connaissances générales en matière financière."}]
[null,"Connaissance du produit"]
[null,{"$f":"IF(OR(simulation!$H$17=\"x\",simulation!$H$18=\"x\",simulation!$H$19=\"x\",simulation!$H$24=\"x\"),\"Vous connaissez les assurances d'épargne et d'investissement suivantes : \",\"Vous ne disposez pas de connaissances sur les assurances d'épargne et d'investissement.\")","v":"Vous ne disposez pas de connaissances sur les assurances d'épargne et d'investissement."},null,null,null,null,{"$f":"IF(simulation!$H$17=\"x\",\"assurances de la branche 21 \",\"  \")","v":"  "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$18=\"x\",\"assurances de la branche 23 sans protection du capital\",\"  \")","v":"  "},null,null,{"$f":"IF(OR(simulation!$H$21=\"x\",simulation!$H$22=\"x\",simulation!$J$23=TRUE),\"investissant dans \",\" \")","v":"investissant dans "},null,{"$f":"IF(simulation!$H$21=\"x\",\"des actions\",\" \")","v":" "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$19=\"x\",\"assurances de la branche 23 avec protection du capital\",\"  \")","v":"  "},null,null,null,null,{"$f":"IF(simulation!$H$22=\"x\",\"produits à revenu fixe\",\" \")","v":" "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$24=\"x\",\"opérations de capitalisation de la branche 26\",\"  \")","v":"  "},null,null,null,null,{"$f":"IF(simulation!$H$23=\"(te preciseren)\",\" \",simulation!$H$23)","v":"(à préciser)"}]
[null,{"$f":"IF(simulation!$H$33=\"(à préciser)\",\" \",\"Vous connaissez ces autres produits financiers:\")","v":" "},null,null,null,null,{"$f":"IF(simulation!$H$33=\"(te preciseren)\",\" \",simulation!$H$33)","v":"(à préciser)"}]
[null,"Expérience du produit"]
[null,{"$f":"IF(OR(simulation!$H$25=\"x\",simulation!$H$26=\"x\",simulation!$H$27=\"x\",simulation!$H$32=\"x\"),\"Vous avez investi dans les assurances d'épargne et d'investissement suivantes :\",\"Vous n'avez pas encore investi dans des assurances d'épargne et d'investissement.\")","v":"Vous n'avez pas encore investi dans des assurances d'épargne et d'investissement."},null,null,null,null,{"$f":"IF(simulation!$H$25=\"x\",\"assurances de la branche 21\",\"  \")","v":"  "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$26=\"x\",\"assurances de la branche 23 sans protection du capital\",\"  \")","v":"  "},null,null,{"$f":"IF(OR(simulation!$H$29=\"x\",simulation!$H$30=\"x\",simulation!$J$31=TRUE),\"investissant dans\",\" \")","v":"investissant dans"},null,{"$f":"IF(simulation!$H$29=\"x\",\"des actions\",\" \")","v":" "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$27=\"x\",\"assurances de la branche 23 avec protection du capital\",\"  \")","v":"  "},null,null,null,null,{"$f":"IF(simulation!$H$30=\"x\",\"produits à revenu fixe\",\" \")","v":" "}]
[null,null,null,null,null,null,{"$f":"IF(simulation!$H$32=\"x\",\"opérations de capitalisation de la branche 26\",\"  \")","v":"  "},null,null,null,null,{"$f":"IF(simulation!$H$31=\"(à préciser)\",\" \",simulation!$H$31)","v":" "}]
[null,{"$f":"IF(simulation!$H$34=\"(à préciser)\",\" \",\"Vous avez investi dans ces autres produits financiers:\")","v":" "},null,null,null,null,{"$f":"IF(simulation!$H$34=\"(à préciser)\",\" \",simulation!$H$34)","v":" "}]
[]
[null,"Précisions complémentaires"]
[null,"Il convient ici de reprendre la motivation spécifique lorsqu'on s'écarte du score susmentionné ou que ce score est adapté."]
[]
[null,"Votre situation financière"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Situation générale sur le plan financier"]
[null,{"$f":"IF(simulation!O14<0.33,\"Vous disposez de peu de moyens financiers à investir.\",IF(simulation!O14<0.66,\"Vous disposez assez bien de moyens financiers à investir.\",\"Vous disposez de larges moyens financiers à investir.\"))","v":"Vous disposez de peu de moyens financiers à investir."}]
[null,"Vous prévoyez que votre situation financière dans le futur",null,null,null,null,{"$f":"IF(simulation!H55=\"x\",\"évoluera dans le sens négatif.\",IF(simulation!H56=\"x\",\"n'évoluera pas.\",\"évoluera dans le sens positif.\"))","v":"évoluera dans le sens positif."}]
[null,"Le montant à investir représente ……..",null,null,null,null,"pour cent du total de votre patrimoine mobilier."]
[null,"Précisions complémentaires"]
[null,"Il convient ici de reprendre la motivation spécifique lorsqu'on estime nécessaire de fournir des précisions complémentaires sur la situation financière du client."]
[]
[null,"Vos objectifs d'épargne et d'investissement"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Vos objectifs généraux"]
[null,"Votre principal objectif d'épargne et/ou d'investissement est",null,null,null,null,{"$f":"IF(simulation!H58=\"x\", \"de chercher à constituer un montant (capital) pour une dépense spécifique dans le futur.\",IF(simulation!H59=\"x\",\"une croissance générale du capital.\",IF(simulation!H60=\"x\",\"d'anticiper les évolutions de la bourse.\",IF(simulation!H61=\"x\",\"un revenu (mensuel) pour compléter votre revenu actuel.\",\"un complément à votre revenu futur (par exemple, une pension complémentaire).\"))))","v":"un complément à votre revenu futur (par exemple, une pension complémentaire)."}]
[null,"Vous disposez à cette fin d'un horizon d'épargne ou d'investissement de",null,null,null,null,null,{"$f":"IF(simulation!H63=\"x\", \"maximum 3 ans.\",IF(simulation!H64=\"x\",\"maximum 8 ans.\",IF(simulation!H65=\"x\",\"maximum 16 ans.\",\"plus de 16 ans.\")))","v":"plus de 16 ans."}]
[null,"Vos exigences/besoins spécifiques"]
[null,"Vous souhaitez/ne souhaitez pas la (les) prestations(s) complémentaire(s) suivante(s):",null,null,null,null,null,null,"(biffer la mention inutile et/ou compléter au besoin)"]
[null,"Précisions complémentaires"]
[null,"Il convient ici de reprendre la motivation spécifique lorsqu'on s'écarte du score susmentionné ou que ce score est adapté."]
[]
[null,"Votre tolérance au risque"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Tolérance au risque d'une manière générale"]
[null,{"$f":"VLOOKUP(simulation!D93,R16:S19,2)","v":"Votre objectif est la croissance de votre capital à long terme ; vous estimez important d'avoir un rendement potentiel le plus élevé possible, tout en sachant que cela ne va pas sans risque ; vous acceptez de fortes variations à la hausse et à la baisse de la valeur des assurances d'épargne et d'investissement, consécutives par exemple à des fluctuations de cours ou de risques de change."}]
[null,"Précisions complémentaires"]
[null,"Il convient ici de reprendre la motivation spécifique lorsqu'on s'écarte du score susmentionné ou que ce score est adapté."]
[]
[]
[null,"fait à …………………………………………………., le …... / ...… / …………"]
[null,"nom et signature du client"]

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[null,"Analyse van de klant"]
[]
[null,"klantenprofiel",null,null,null,{"$f":"'random simulaties'!F78","v":"b. neutre"}]
[]
[null,"Kennis en ervaring van de klant"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Productkennis"]
[null,{"$f":"IF(OR(simulation!$H$17=\"x\",simulation!$H$18=\"x\",simulation!$H$19=\"x\",simulation!$H$24=\"x\"),\"de klant kent volgende spaar- en beleggingsverzekeringen:\",\"de klant beschikt niet over kennis over spaar- en beleggingsverzekeringen\")","v":"de klant beschikt niet over kennis over spaar- en beleggingsverzekeringen"},null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$10=\"x\",\"tak 21-verzekeringen\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$11=\"x\",\"tak 23-verzekeringen zonder kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$12=\"x\",\"tak 23-verzekeringen met kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$13=\"x\",\"tak 26-kapitalisatieverrichtingen\",\"  \")","v":"  "}]
[null,"de klant kent volgende andere financiële producten:",null,null,null,null,null,null,{"$f":"IF('random simulaties'!H18=\"nog in te vullen\",\" \",'random simulaties'!H18)","v":0}]
[null,"Productervaring"]
[null,{"$f":"IF(OR(simulation!$H$25=\"x\",simulation!$H$26=\"x\",simulation!$H$27=\"x\",simulation!$H$32=\"x\"),\"de klant heeft belegd in volgende spaar- en beleggingsverzekeringen:\",\"de klant heeft nog niet belegd in spaar- en beleggingsverzekeringen\")","v":"de klant heeft nog niet belegd in spaar- en beleggingsverzekeringen"},null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$14=\"x\",\"tak 21-verzekeringen\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$15=\"x\",\"tak 23-verzekeringen zonder kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$16=\"x\",\"tak 23-verzekeringen met kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$17=\"x\",\"tak 26-kapitalisatieverrichtingen\",\"  \")","v":"  "}]
[null,"de klant heeft belegd in volgende andere financiële producten:",null,null,null,null,null,null,{"$f":"IF('random simulaties'!H19=\"nog in te vullen\",\" \",'random simulaties'!H19)","v":0}]
[]
[null,"Specifieke motivering"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer wordt afgeweken van bovenstaande scoring of deze wordt aangepast."]
[]
[null,"Financiële situatie van de klant\n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Evolutie naar de toekomst"]
[null,"De klant verwacht dat zijn financiële situatie in de toekomst ",null,null,null,null,null,{"$f":"IF('random simulaties'!L41=0,\"in negatieve zin zal wijzigen.\",IF('random simulaties'!L41=50,\"niet zal wijzigen.\",\"in positieve zin zal wijzigen.\"))","v":"in positieve zin zal wijzigen."}]
[null,"Investering"]
[null,"Het te investeren bedrag vertegenwoordigt",null,null,null,null,null,"percent van het totale roerend vermogen"]
[]
[null,"Algemene spaar- en beleggingsdoelstellingen  van de klant"]
[null,"De belangrijkste spaar- en/of beleggingsdoelstelling van de klant is ",null,null,null,null,null,null,{"$f":"IF('random simulaties'!L45=0, \"het streven naar een bedrag/vermogen voor een specifieke uitgave  in de toekomst.\",IF('random simulaties'!L45=87,\"een algemene vermogensgroei.\",IF('random simulaties'!L45=125,\"inspelen op beursontwikkelingen.\",IF('random simulaties'!L45=19,\"een extra inkomen als aanvulling op zijn huidig inkomen.\",\"een aanvulling op zijn toekomstig inkomen, bijvoorbeeld een aanvullend pensioen.\"))))","v":"een algemene vermogensgroei."}]
[null,"De klant heeft hiervoor een spaar- en/of beleggingshorizon van",null,null,null,null,null,null,{"$f":"IF('random simulaties'!L49=0, \"ten hoogste 3 jaar.\",IF('random simulaties'!L49=37,\"ten hoogste 8 jaar.\",IF('random simulaties'!L49=87,\"ten hoogste 16 jaar.\",\"meer dan 16 jaar\")))","v":"ten hoogste 16 jaar."}]
[]
[]
[]
[]
[]
[]
[null,"Specifieke verlangens/behoeften van de klant (schrappen en/of aanvullen waar nodig)"]
[null,"De klant wenst geen/volgende aanvullende uitkering/uitkeringen:"]
[]
[null,"Risicogevoeligheid van de klant"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Specifieke motivering"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer wordt afgeweken van bovenstaande scoring of deze wordt aangepast."]

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[null,"Analyse van de klant"]
[]
[null,"Uw kennis en ervaring ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"a. defensief","Veiligheid is uw prioriteit; U hecht veel belang aan kapitaalbescherming, zelfs als dit ten koste gaat van rendement; U heeft algemeen de voorkeur voor sparen en beleggen met weinig schommelingen en een stabiel maar bescheiden rendement."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"b. neutraal","U geeft de voorkeur aan aangroei van het vermogen zonder daarbij blootgesteld te worden aan een al te hoog risico op waardedaling; U bent bereid  enig risico te nemen om het rendement te verhogen, maar slechts in beperkte mate; Voor het grootste deel van uw vermogen streeft u naar sparen en beleggen met weinig schommelingen en een stabiel rendement."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"c. evenwichtig","Rendement en beperking van het risico zijn allebij belangrijk; U vindt het aanvaardbaar om risico te nemen om een potentieel hoger rendement te behalen; U heeft evenwel geen bereidheid om uitgesproken risico’s te nemen waardoor uw spaartegoed of belegging sterk in waarde zou kunnen dalen."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"d. dynamisch","Uw doelstelling is de groei van uw vermogen op lange termijn; U vindt een zo hoog mogelijk potentieel rendement belangrijk, wetende dat daaraan risico's verbonden zijn; U aanvaardt sterke opwaartse en neerwaartse schommelingen in de waarde van de spaar- en beleggingsverzekeringen, bijvoorbeeld ten gevolge van koersschommelingen of wisselrisico’s.  "]
[]
[]
[]
[]
[]
[]
[]
[null,"Algemene financiële kennis"]
[null,{"$f":"IF('random simulaties'!O2<0.33,\"U heeft weinig algemene financiële kennis.\",IF('random simulaties'!O2<0.66,\"U heeft een matige algemene financiële kennis.\",\"U heeft een grote algemene financiële kennis.\"))","v":"U heeft een matige algemene financiële kennis."}]
[null,"Productkennis"]
[null,{"$f":"IF(OR(simulation!$H$17=\"x\",simulation!$H$18=\"x\",simulation!$H$19=\"x\",simulation!$H$24=\"x\"),\"U kent volgende spaar- en beleggingsverzekeringen:\",\"U beschikt niet over kennis over spaar- en beleggingsverzekeringen\")","v":"U beschikt niet over kennis over spaar- en beleggingsverzekeringen"},null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$10=\"x\",\"tak 21-verzekeringen\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$11=\"x\",\"tak 23-verzekeringen zonder kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$12=\"x\",\"tak 23-verzekeringen met kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$13=\"x\",\"tak 26-kapitalisatieverrichtingen\",\"  \")","v":"  "}]
[null,"U kent volgende andere financiële producten:",null,null,null,null,null,null,{"$f":"IF('random simulaties'!H18=\" \",\" \",'random simulaties'!H18)","v":0}]
[null,"Productervaring"]
[null,{"$f":"IF(OR(simulation!$H$25=\"x\",simulation!$H$26=\"x\",simulation!$H$27=\"x\",simulation!$H$32=\"x\"),\"U heeft belegd in volgende spaar- en beleggingsverzekeringen:\",\"U heeft nog niet belegd in spaar- en beleggingsverzekeringen.\")","v":"U heeft nog niet belegd in spaar- en beleggingsverzekeringen."},null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$14=\"x\",\"tak 21-verzekeringen\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$15=\"x\",\"tak 23-verzekeringen zonder kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$16=\"x\",\"tak 23-verzekeringen met kapitaalsbescherming\",\"  \")","v":"  "}]
[null,null,null,null,null,null,null,null,{"$f":"IF('random simulaties'!$H$17=\"x\",\"tak 26-kapitalisatieverrichtingen\",\"  \")","v":"  "}]
[null,"U heeft belegd in volgende andere financiële producten:",null,null,null,null,null,null,{"$f":"IF('random simulaties'!H19=\" \",\" \",'random simulaties'!H19)","v":0}]
[]
[null,"Bijkomende toelichting"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer wordt afgeweken van bovenstaande scoring of deze wordt aangepast."]
[]
[null,"Uw financiële situatie\n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Uw algemene financiële situatie"]
[null,{"$f":"IF('random simulaties'!O7<0.33,\"U heeft weinig financiële middelen om te investeren.\",IF('random simulaties'!O7<0.66,\"U heeft redelijk wat financiële middelen om te investeren.\",\"U heeft ruime financiële mogelijkheden om te investeren.\"))","v":"U heeft weinig financiële middelen om te investeren."}]
[null,"U verwacht dat uw financiële situatie in de toekomst ",null,null,null,null,null,{"$f":"IF('random simulaties'!L41=0,\"in negatieve zin zal wijzigen.\",IF('random simulaties'!L41=50,\"niet zal wijzigen.\",\"in positieve zin zal wijzigen.\"))","v":"in positieve zin zal wijzigen."}]
[null,"Het te investeren bedrag vertegenwoordigt ……………",null,null,null,null,"percent van het totale roerend vermogen"]
[null,"Bijkomende toelichting"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer het noodzakelijk wordt geacht om bijkomende toelichting te geven bij de financiële situatie van de klant."]
[]
[null,"Uw spaar- en beleggingsdoelstellingen"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Uw algemene doelstellingen"]
[null,"Uw belangrijkste spaar- of beleggingsdoelstelling is ",null,null,null,null,null,{"$f":"IF('random simulaties'!L45=0, \"het streven naar een bedrag/vermogen voor een specifieke uitgave  in de toekomst.\",IF('random simulaties'!L45=87,\"een algemene vermogensgroei.\",IF('random simulaties'!L45=125,\"inspelen op beursontwikkelingen.\",IF('random simulaties'!L45=19,\"een extra inkomen als aanvulling op zijn huidig inkomen.\",\"een aanvulling op zijn toekomstig inkomen, bijvoorbeeld een aanvullend pensioen.\"))))","v":"een algemene vermogensgroei."}]
[null,"U heeft hiervoor een spaar- en/of beleggingshorizon van",null,null,null,null,null,{"$f":"IF('random simulaties'!L49=0, \"ten hoogste 3 jaar.\",IF('random simulaties'!L49=37,\"ten hoogste 8 jaar.\",IF('random simulaties'!L49=87,\"ten hoogste 16 jaar.\",\"meer dan 16 jaar\")))","v":"ten hoogste 16 jaar."}]
[null,"Uw specifieke verlangens/behoeften"]
[null,"U wenst geen/volgende aanvullende uitkering(en):",null,null,null,null,null,"(schrappen en/of aanvullen waar nodig)"]
[null,"Bijkomende toelichting"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer wordt afgeweken van bovenstaande scoring of deze wordt aangepast."]
[]
[null,"Uw risicogevoeligheid"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,{"$f":"VLOOKUP('random simulaties'!F78,$R$3:$S$6,2)","v":"U geeft de voorkeur aan aangroei van het vermogen zonder daarbij blootgesteld te worden aan een al te hoog risico op waardedaling; U bent bereid  enig risico te nemen om het rendement te verhogen, maar slechts in beperkte mate; Voor het grootste deel van uw vermogen streeft u naar sparen en beleggen met weinig schommelingen en een stabiel rendement."}]
[]
[]
[null,"Bijkomende toelichting"]
[null,"Hier dient de specifieke motivering te worden ingevuld, wanneer wordt afgeweken van bovenstaande scoring of deze wordt aangepast."]

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["x"]