Emva koko ibuyisela ezo zabelo kwiUnited States, zibeka kwi-kind of trust trust , izitifiketi zemiba emele isitishi esisekuhlaleni kwebhanki, kwaye ithengise ezi ziqinisekiso kwi-market market. Xa inkampani yangaphandle ihlawula igalelo kuyo, ithi, i-pound sterling, i-Euros, Yen, okanye nayiphi na enye imali yemveli eyenzekayo ukuyisebenzisa, ibhanki ithatha imali, iguqula kwiidola zase-US, ize ibonelele kubani bezatifikethi.
Oku kufezekisa izinto ezininzi. Okokuqala, ivumela umtyalo-mali waseMerika ukuba athenge okanye athengise i-ADR kwiidola zase-US. Oku kuyinto elula ngakumbi kunokuba ivule i-akhawunti yezorhwebo yehlabathi kunye ne-international firm firm . Kwakhona kwenza ukuba kwenzeke, ngenxa yoqoqosho lwezinga le-ADR ngokwalo, ukufumana utyalo-mali oluncinci ngendlela echanekileyo. Ukuba ubuya kuthenga amasheya kwiimarike zangaphandle ngqo, uza kutyalomla ubuncinane i-$ 10,000 ukuya kwii-100,000 zamaxesha amaninzi ukuze ufumane ixabiso elifanelekileyo.
Okwesibini, i-ADR ikuvumela ukuba ufumane iindleko kwiidola zase-US. Kubuninzi lwabantu abahlala eUnited States, akwenzi nto eninzi ukuzitholela ekupheleni kokufumana amaRandi ase-Australia, ukuphumelela kwe-Korea okanye iM pesos. Awukwazi ukuya kwi-McDonald yakho yasekhaya kwaye usebenzise abo ukuthenga i-Big Mac, kwaye awukwazi ukuhlawula irenti yakho.
Njengebhonasi eyongeziweyo, ngokuguqula izigidi ngezigidi zeedola ezifunyenwe ngezabelo ezigcinwe kwi-ADR, ibhanki yezorhwebo inokufumana amazinga angcono okuguqulela, oku kuthetha ukuba amandla amaninzi okuthenga agqiba ephaketheni lakho ekupheleni.
Ukutshintshana konke oku, ibhanki yoshishino iya kuhlola imirhumo ye-ADR kwiimeko ezininzi. Iimali ze-ADR zincinci kwaye zivandlakanywa rhoqo kwi-ADR. Oku kufaka iindleko zebhanki kwaye zibavumela ukuba bafumane inzuzo efanelekileyo kwinkonzo.
Umzekelo Wokuba i-ADR Fee ibukeka njani
Masisebenzise i-Total, SA njengomzekeliso. Iyonke yenye yezona zinkunzi ezinkulu zeoli kwihlabathi. Inkampani yaseFransi ine-ADR apha e-United States ekhangela phantsi kwesimboli se-ticker. Cinga ukuba unamalungu ayi-1000 kule ADR kwi- akhawunti yakho yokuthengisa . NgoJuni 20, 2014, ibhanki exhasayo yahlula iedola zokugqibela zase-US zatshintshile, zihlawula i $ 0.825238 nge-ADR. Abo batyali-mali abanobuchule ngokwaneleyo ukuba batyikitye ukuze basebenzise inkontileka phakathi kwe-United States neFransi bafumana i-15% engaphantsi kwe-30%, kunokuba i-30%, isahlulelo sokubamba igalelo. Kule meko, bekuza kuba malunga ne-0.123795 ye-ADR. Ekugqibeleni, ibhanki ihlawulisa i-half cent, okanye i-$ 0.005, kwi-ADR yokuququzelela lo mbandela.
Kwi-1000 ADR, isitatimende sakho se-akhawunti ye-broker singakhangela into enje:
- 06/20/2014 Ulungelelaniso olufanelekileyo = $ 825.30
- 06/20/2014 Ukuhlawulwa kweRhafu yangaphandle> - $ 123.80
- 06/20/2014 I-ADR yoLawulo lweNtlawulo = - $ 5.00
Ngamanye amagama, usenokubona i-$ 825.30 ibonakaliswe kwi-akhawunti yakho, ngoko nangoko ubone ukurhoxiswa kwe-$ 123.80 yeburhulumente waseFransi kunye nezinye i $ 5.00 kwimirhumo yebhanki. Oku bekuya kukushiya ngemali yentlawulo ye $ 696.50. Kukho konke, unikezelwa inkonzo ebhankini, inike ukurhweba kwezinto ezenza impilo yakho ibe ngumtyalomali lula kakhulu.
Qaphela i-ADR Fee Calculations kwiiwebhusayithi zeMali
Elinye icala phantsi kwelokuba iindawo ezininzi zezebhsayithi zemali, ezibandakanya iipalini ezinkulu zemali, zineendlela ezahlukeneyo zokujongana neentlawulo zangaphandle ezihlawulwe kunye neerhafu ze-ADR.
Xa ukhangela inkcazo yesitokhwe kwinkampani yase-US - iGenerali okanye iCoca-Cola iya kuba yimimiselo emihle-intlawulo yesabelo kunye nomvuno wezahlulelo kuboniswa kumanani angaphambi kweerhafu. Ngakolunye uhlangothi, abanye abaprogram babamba ukusabalalisa kwe-ADR yentengiso, okuyi-post -tax yomfanekiso, okwenza ukuba kubonakale ngathi isitokisi sinokuveliswa kwesahlulelo esincinane kunokuba senze; iipilele ukufanisa i-oranges. Oku kunemiphumo emihle. I-Nestle, enye yezona zinto ezininzi kunye nemidala e-blue-chip emhlabeni jikelele, ihlala iphathwa njalo ngale ndlela, ibangela abaninzi abatyali-zimali baseMerika abaya kulungela ukucinga ukuba babekho kwiphothifoliyo yabo yentsapho ehlala ixesha elide ukuba bajonge kwenye indawo njengoko kubonakala ebiza ngexabiso.