Funda amaZiko okuPhathwa kweeAset Management

Isisombululo kwiBhanki yakho kunye neZimali zokuBala

Phakathi kokutshekisha kwakho, ukugcina imali, iimarike zemali , kunye neemfuno zokutshala imali, iifowuni zinokuba nzima. Ukuba ubukade unqwenela ukuba ungabahlanganisa bonke kwi-akhawunti enye ye-hybrid kwelinye iqela kwaye unenhlanhla. Ngenxa yokuveliswa kwee-akhawunti zokulawula i-asethi , akunakwenzeka kuphela ukudibanisa zonke iimaphepha zemali kunye nomsebenzi wakho, kodwa unokukwazi ukukwenza ngokukhawuleza emva kwemini.

Imbali yeeAkhawunti zoLawulo lweAsset

Ukulandela ukuhlaselwa kwemakethe ye-stock market ka-1929, iCongress yadlulisela uMthetho we-Glass-Steagall Act. Umthetho uvimbele ukuhlanganiswa kweefayili zebhanki kunye nezobambiso ukwenzela ukukhusela uluntu ngokubhetele xa kwenzeka omnye umcimbi omkhulu wemali. Isiphumo sokuba abatyali-mali babefanele bahlale be-akhawunti ehlukeneyo kumaziko ahlukeneyo. Ngo-1999, uMongameli uBill Clinton wasayina uMthetho we-Gramm-Leach-Bliley Act. Iphumelele ngokugqithiseleyo i-Glass-Steagall Act kwaye yavumela ukuveliswa kweefensi zeenkonzo zezimali ezinikezela ngebhanki, i- brokerage kunye neenkonzo zomshuwalense kubaxhasi. Ngokukhawuleza emva koko, ezi nkampani zenkxaso zezimali zaqala ukunika i-akhawunti yee-asethi zokuphatha njengesisombululo kwiimfuno zabaxhasi babo.

Ukusetyenziswa kweAkhawunti zoLawulo lweAsset

Umtyalo-mali ubeka imali kwi-akhawunti yakhe yokuphatha i-asethi. Ibhalansi ifakwe kwingxowa-mali yemarike yemali (efumana inqanaba eliphezulu lemali kunokuba i-akhawunti ihlolisise rhoqo) kuze kube yilapho umnini-akhawunti ebhala isheke, usebenzisa i-debit card ukuthenga okanye ukurhoxisa imali kwi-ATM, okanye ii- stocks , iibhondi , iimali kunye kunye nezinye izixhobo zemali.

Ekupheleni kwenyanga nganye, umnini-akhawunti ufumana isitatimende esidibeneyo esichazela iikopi ezithunyelweyo, idipozithi ezenziweyo, utyalo-mali, imbali yokuthengiselana, izabelo kunye nomdla ofunyenweyo, kunye nokunye.

Ezinye ii-akhawunti zokulawula i-asethi zinika iinkqubo zokutyalomali zenkxaso-mali ezivumela ukuthenga ngokuzenzekelayo iimali ezihlangeneyo rhoqo ukuba zisebenzise ngokuninzi amandla okubiza idoli , isahlulelo sokubuyisela i-revestment .

Ukuba ugqiba ukuhamba nale akhawunti ye-asethi yokuphathwa kwee-asethi uza kuphinda usebenzise iiplani zokurhoxiswa ngokuchanekileyo (ezinokuba zilungele abo bahlala phantsi okanye abo bafuna ukufumana inxalenye yemali yabo rhoqo) kunye nokuthumela idizithi yenkonzo. Ngenxa yokuba ibhalansi encinci ivame ukuhlonishwa (umgangatho ophantsi uhlala ujikeleze i-$ 15,000), abaninzi abantu bafanelekela ngokuzenzekelayo amalungelo amancinci .

Iinkqubo zokusebenzisa iAkhawunti yoLawulo lweAsset

• Isitatimende senyanga esihlanganisiweyo esenza umgca wokugcina umsebenzi wakho wezezimali lula.
• Ukubhalwa kokutshekisha okungenamkhawulo kunye nokuthengisa imarike, kusinceda ukufumana inzala engaphezulu.
• Ngokuxhomekeke kwenkampani oyikhethayo, unako ukudibanisa i-akhawunti yakho yokuphatha i-asethi kunye neendlela zokurhweba kunye nemveli yokuthengisa .

Umgudu wokusebenzisa iAkhawunti yoLawulo lweAsset

• Uphando olwenziwe ngamabhanki amaninzi anika ii-akhawunti zokulawula i-asethi awanakunyuswa uphando olunikezwa ngamafayili omrhweba. Nangona kunjalo, oku kuya kuguqulwa kakhulu ngexesha, ngoko kukufanelekile ukugcina iso.
• Abatyalomali abancinci abangenako ukuhlangabezana nokulingana okufutshane ubuncinane be-$ 15,000 abavumelekanga.
• Iinkonzo ezininzi zezezimali zihlawulisa iintlawulo ezincinane zenyanga okanye ngekota nganye ngaphandle kokuba ibhalansi ye-asethi idlula i-$ 100,000.