Le mfuneko yokwenza umdla wabo ubandakanya ukudalula nayiphi na ingxabano enokuthi iphakame ukuze ikwaziwa ngaphambi kwexesha, ukulinganisa inkundla yokudlala. Ukuphulukana nomsebenzi wokubambisana kunokubangela ukuba izigwebo zentengiso, kubandakanywa ukuvinjelwa emsebenzini kwiindawo ezithile, ukuvinjelwa ekusebenzeni kunye neentlobo ezithile zokubambisa, ukunyanzeliswa ukuhlawula izigwebo ezibalulekileyo zentlalo kunye nolwaphulo-mthetho, ukulahlekelwa kwemisebenzi, kwaye kwezinye iimeko, ukunyaniseka kokuhamba kunye nexesha lokuhamba. Ukukubeka ngokucacileyo, umsebenzi we-fiduciary unamazinyo.
Umsebenzi we-fiduciary uhluke kakhulu kwizinto ezibizwa ngokuba "umgangatho ofanelekileyo", owuhlobo oluphantsi lokuphendula. Ngaphantsi komgangatho ofanelekileyo, umntu okanye isikhungo esisebenza nawe ufuna kuphela iziphakamiso ezicatshangelwa ukuba zihamba phambili. Oku kuyimfuneko eninzi ye-lax enika ukhuseleko-umzekelo, ngokucacileyo ukuphulwa komthengisi ukucebisa ukuthengwa kwemali yexesha elifutshane kunye ne-40% yexabiso le-akhawunti yomhlolokazi ongumhlala phantsi. ngubani obonisa ukuba ufuna i- capital investment conservation mandate - kodwa uya kukhwankqiswa ubungakanani umntu angakwazi ukulinganisa izinto ezingathandabuzekiyo xa zifuna ukuzimela.
Enye indawo yokusetyenziswa gadalala ndiye ndazibonela amaninzi, amaxesha amaninzi kumsebenzi wam ngokubhekiselele kwiimali zonyaka. Umntu okanye usapho uyaqiniseka ukuba uthenge le mveliso emangalisa (ngexesha lokurekhoda kwezinga lentengo elincinci, ukwenzela ukuba libi nakakhulu) ukuba, ngombono wam, ngokubalulekayo ubaphazamise phantse zonke iinjongo zokuxubusha ngelixa esondeza ngaphandle inzuzo enokuthi ilandele iindleko zokuhlawula imali ngokugqithiseleyo kunye nokulahleka kwemali eyayibe yaya kwiindlalifa zabo ngaphandle kweerhafu ngaphandle kokungena kwintlawulo .
(Kukho amaxesha, iimeko kunye neemeko apho umkhiqizo othile wenzelwe ingqiqo kodwa ngokusoloko ungasondelanga kulawo ndibona umntu ehambisa imali yokugcina imali yakhe enye.) Okwangoku, umntu onika umgca wokuthengisa uhamba ucebile , ngamanye amaxesha ufumana ama-commissions angabonakaliyo ukuya kwi-10% yemali yakho , efihliwe ngendlela ongayiqondi ukuba uyinike yona (umz., inkcazo ibonisa inani elipheleleyo leqununu kodwa ukuba ukhansela isivumelwano se-annuity, unetyala elikhulu lokuzinikela). Le ngenye yezizathu eziphambili zithetha ukuba ama-legislature athathwe ixesha lokurhoxiswa kweentsuku ezimbalwa zoshishino, ngexesha apho umntu angakwazi ukuphelisa isivumelwano esitsha esasayinwe ngaphandle kwesihlwayo.
Abaninzi-abatsha-mali abatsha abazi ukuba bajongana nomntu obophelelwe kumsebenzi wecala okanye umgangatho ofanelekileyo. Thatha, ngomzekeliso, umgcini-mthengisi wakho wommelwane. Bakuphulaphule ukukhathazeka kwakho. Zikunceda ukuba wakhe iipotifoliyo. Basenokukunceda ukuba uqokelele iqoqo lakho leempahla ze-blue chip okanye iimali eziphathekayo . Ababophelwa ngumsebenzi wokubambisana, nangona kunjalo. Ukunyaniseka kwabo kwinqanaba lezemali elibabonelela nge-paycheck.
Kukho abanye abahamba phambili nangaphezulu kwefowuni yomsebenzi, ngokwenene banakekele abaxumi babo kwaye basebenze ngokunyanisekileyo ukuba bancede bazuze ubutyebi nangona kuthetha ukuba bafumane imali encinci, kodwa kuba yedwa kuba bazalwa ngabantu abanomdla, kungekhona ngenxa yokuba kukho nayiphi na imfuno yokuba babeke phambili umdla wabo, okanye umnqweno, inomdla. Enye yezinto ezinokubangela ukuba kube yinto ekhohlakeleyo yokuba namaziko amaninzi phantsi kweyambula enye, njenge-broker-dealer enokulawula ngokufanelekileyo umcebisi-mali obhalisiweyo okanye umnini-ntembelo webhanki. ngumsebenzi wokubambisana.
Imizekelo yeeNkxaso zeFiduciary
Kukho iimeko ezininzi apho kuvela khona umsebenzi wokubambisana kwaye akufanele kuthathwe lula.
Ezinye iziganeko eziqhelekileyo zomsebenzi wee-fiduciary ziquka:
Abagcini be-UTMA / UGMA Akhawunti
Ukuba wenza isipho sika-UTMA kumntwana omncinci , umgcini-mboleko unembopheleleko yokukhusela, ukugcina, ukutshala imali, mhlawumbi, ukuchitha imali ngemali engumnqweno yomntwana owenene kwipropati (amasheya, amabhondi, i-real estate, imali, izatifikethi zediphozithi, izabelo zomxhaso, okanye nayiphi na into enokuba nayo) kwaye iya kufumana isihloko kwisikolo sokukhula (iminyaka yobudala ixhomekeke kwilizwe; umz., uMzantsi Dakota ubeka isithuba seminyaka eyi-18 ubudala, ininzi uthi ubeke kwisithuba esingama-21 ubudala ubudala, kodwa iimbalwa ezimbalwa, ezifana ne-Nevada, ePennsylvania, ne-Oregon, vumela umntu okwenza isipho ukuba asikhawuleze aneminyaka engama-25 ubudala). Umntu ojongene ne-UTMA akakwazi ukuzondla ngokwabo kwiindleko zomntwana, athathe imali kwakhona (ukuba beyilungu lokuqala), okanye mhlawumbi uyiphatha njengokuba eyabo.
Iingxowa-mali zeTrasti / Abaxhamli
Ukuba usungula i- fund trust , i-trustee ogama lakho libiza i-trust tridyary duty to the beneficiaries. Le ngenye yezizathu ezibaluleke kakhulu ukuba ubuze imibuzo efanelekileyo ukuqinisekisa ukulungeleka ngaphambi kokubiza igama lomphathiswa . (Ukuba unomdla kwesi sihloko, ungafunda malunga nenkqubo yokuseka i-fund trust ).
Ugqwetha / Ulwalamano lwabaxhasi
Igosa lifuneka ukuba libeke umdla obalaseleyo kumxhasi phambi kweyona nto inomdla ngawo onke amaxesha ambalwa kakhulu, echazwe ngokucacileyo.
Ukuqinisekiswa koMntwana omncinci
Kwezinye iimeko, umntu omdala angenakuvunyelwa ukuba anikezelwe ngumntwana omncinci, kodwa kunoko, umgcini, ovumela umntu ngezizathu ezahlukahlukeneyo ukuba enze izigqibo malunga nento evela kwimfundo yenkwenkwe okanye intombazana iya kufumana kwisithethe senkolo apho akhuliswa khona. I-Guardians iyadingeka ukuba isebenze ngentsingiselo ebalulekileyo yincinci okanye yabantwana ekunyamekeleni kwabo. Ukuqinisekiswa kungadalwa yinkantolo, okanye, nangona kunjalo, ngabazali abanquma ukuba abanako ukukhathalela abantwana babo ngenxa yezizathu ezithile kodwa bafuna ukugcina ilungelo labo lomzali lokususa eli gunya ngaliphi na ixesha.
Sebenzisana nabacebisi abaza kukunika umsebenzi wokuba unobungozi xa unako
Nangona akuyiyo isiqinisekiso sokunyanga kakuhle, ukuba ngaba kunokwenzeka, abatyali-mali kufuneka basebenze kunye nalabo ababophelelwe ngumsebenzi wokubambisana. Umzekelo, ukuba ufuna ukutshala imali yakho, mhlawumbi ingqondo engcono ukuzama kwaye ufumane umcebisi-mali obhalisiweyo obhalisiweyo, obaluleke kakhulu kunokuba asebenzise umthengisi wempahla ngaphandle kokuba unesizathu esichukumisayo sokuziphatha ngenye indlela.