Ukuba Ukhangelele Umcebisi WezeNtengo, Yazi Le Migaqo
Ngoko, ukhetha njani umcebisi-mali onokumthemba? Yaye ungathini na ukuba ufumane umcebisi obeka ngokusemthethweni umdla wakho ngaphezu kwawo?
Ukuba ukwenzile uphando malunga nokufumana umcebisi olungileyo, usenokukhubeka ngamagama amabini avakalayo anokuthi athetha into efanayo, kodwa ngokubhekiselele kunenkcazo eyahlukileyo. La magama aqinisekileyo kwaye afanelekileyo. Kubalulekile ukuqonda umahluko phakathi kwabacebisi ababanjelwe kumgangatho wokuziphatha ngokumalunga nalabo abanjelwe kumgangatho ofanelekileyo, ngakumbi ngaphambi kokuba ukhethe umntu oya kukuthemba ukulawula imali yakho.
Fiduciary
Umgangatho weFiduciary wenziwa ngowe-1940 njengenxalenye yoMthetho wabaNcedisi boTyalo-mali. Lo mgangatho, olawulwa yi- SEC okanye i-state-regulators regulators, uqinisekisa ukuba abacebisi beze-mali baxhomekeke kwimilinganiselo efuna ukuba babeke iimfuno zabathengi zabo ngaphezu kwazo. Le mithetho ilandelayo iwela phantsi kweSigangatho seFiduciary:
- Umcebisi kufuneka abeke inzala yakhe ngaphantsi komthengi.
- Umcebisi unqatshelwe ukuthenga izibambiso ze-akhawunti yakhe ngaphambi kokuzithengela umthengi.
- Umcebisi makenze okusemandleni akhe ukuqinisekisa ukuba ucebisi-mali lwenziwa ngokuchanekileyo usebenzisa ulwazi oluchanekileyo noluthe ngqo. Uhlalutyo kufuneka lube lunzulu ngendlela enokwenzeka.
- Umcebisi kufuneka aphephe ukungquzulana komdla. Njengengqungquthela, umcebisi kufuneka axelele nayiphi na ingxabano yomdla okanye iimbambano zomdla.
Ukufaneleka
Nangona le mibini ibonakala ngathi iyafana, kukho umehluko phakathi kokufaneleka kunye ne-fiduciary. Ukufaneleka kuthethwa kuphela ukwenza iziphakamiso ezihambelanayo nomdla ophezulu kumthengi ophantsi. Nantsi enye into ofuna ukuyifumana:
- Esikhundleni sokubeka inzala yakhe ngaphantsi komxhasi, umgangatho ofanelekileyo ufuna kuphela ukuba umcebisi kufuneka akholelwe ukuba kukho naziphi na iziphakamiso ezenziwe ezifanelekileyo kumxhasi, ngokweemfuno zezimali zabaxhasi, iinjongo kunye neemeko ezizodwa.
- Ukufaneleka kukuthetha ukuqinisekisa ukuba iindleko zokuthengiswa azigqithisi okanye ukuba isincomo asifanelekanga kumxhasi.
- Ukuthengisa ngokugqithiseleyo, ukukhangela ukuvelisa ii-commissions okanye ukuguqula ixabiso leefayili ukwenzela ukuvelisa umvuzo wemali kumcebisi.
- Imfuno yokuchaza iingxabano ezinokubangela ukuba kungabikho mfuneko njengobuncwane.
- Utyalo-mali kumxhasi kuphela kufanelekile; akufuneki ukuba ihambelane neenjongo kunye neprofayili yomntu ngamnye.
- Abacebisi ngeze-mali abanomrhumo-mali bangaba nefuthe ukuthengisa iimveliso zabo phambi kweemveliso ezikhuphisanayo ezinokuba zixabiso eliphantsi. Yindlela abazenza ngayo iikomishoni zabo.
Okukwintsusa
Ukuba unomdla wokufumanisa umcebisi-mali ofunekayo ukuxhasa isiGaba seFiduciary, indawo enkulu yokuqala kukujonga umcebisi-mali kuphela. Abacwangcisi beemali kunye nabacebisi abazithengisi iimveliso zentengiso, kwaye abazenzi ii-commissions. Abahlawuli beemali kuphela bahlawula intengo ehleliweyo kwaye abaqhutyelwa ngokuthengisa nayiphi na imveliso. Iingcebiso zabo zibanjelwe kumgangatho ophezulu, kwaye kufuneka zibeke iimfuno zabathengi zabo ngaphezu kwazo. Ukufumana umcwangcisi wezemali-mali kuphela kuwe, khangela i-National Association of Advisor Financial Advisor kwi-www.NAPFA.org.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali.
Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.