Imirhumo yoMcebisi wezeNtengo ebhalisiweyo

Ukuqonda iiShedyuli zeeMali zoLawulo lweeMpahla ezahlukeneyo

Njengamaninzi awaziyo, mna ndiphakathi kokuseka i-global value investment firm, eya kuba ngumcebisi-mali obhalisiweyo obhalisiweyo kunye nomhlaba ophezulu onokubaluleka kwabantu, iintsapho kunye namaziko afuna ukutshala kunye neentsapho zam. Abo bane $ 500,000 okanye ngaphezulu kwiivenkile ezibekelwe imali abanako ukuthatha inxaxheba. Ndacinga ukuba oku kuya kuba yithuba eligqibeleleyo lokubonelela "uhlobo lwangaphakathi lwebhola" ngokujonga indlela abacebisi abahlukileyo ngayo abatyalo-mali abahlawulisa ngayo iirhafu, nokuba ngaba yingxowa-mali yenkxaso evela kwindawo efana neVanguard okanye ilungiselelo elisekelwe kwintengiso .

Oku kuyinyani ngoku ngoku ukuba ndakuzisa indlela abacebisi ababhalisiweyo abenza ngayo imali , kwaye uyazi izinto ezine omele uzikhangele kumcebisi-mali obhalisiweyo .

Nceda uqaphele ukuba kweli nqaku, siza kukhangela nje oko kuthiwa "kuphela umrhumo" abacebisi abatyalo-mali abhalisiweyo abenza imali ngokuhlawula ipesenti yexabiso lakho lilonke lepotfoliyo kunokuba bathengise iimveliso ezinjenge-annuity, i-commissions ngohlobo lweempahla zentengo yokuthengisa, okanye ukuvelisa inzuzo kuyo yonke into ethengisa okanye ukuthengisa urhwebo lwezentengiso ozenzayo. Ukuba ungenangqungquthela ngayo, lo luhlobo olulodwa loomcebisi-mali obhalisiweyo obungabhaliswayo ndiza kucinga ngokude ngentsapho yam kwaye ndicinga ukuba kuya kuba bubulumko ukwenza okufanayo. (Qiniseka ukuba ungabadibanisi kunye neengqungquthela ezifanayo "zokuxhaswa kwemali" ezisemgangathweni.)

Ngokukodwa, siya kuhlola:

1. Iishedyuli zolawulo lweentlawulo zentlawulo

1. Iishedyuli zokulawulwa kotyalo-mali kaTyered
2. Imirhumo ehlolwa ngeteksi ye-asethi kwimilinganiselo etyalo-mali
3. Iiyure zisezantsi
4. Imirhumo yentlawulo ehlanganisiweyo kunye neemali zokulawula zonyaka

Ulungele? Masihambe siye ngqo kuwo. Injongo yam kukuba uhambe ngokuqonda okungcono oko uhlawuliswayo, indlela eyahlukileyo ngayo iishedyuli zeetimali zentengo-mali, kunye nendlela iirhafu zokulawula ezobutyebi zibalwa ngayo.

Iimali zokuLawula uTyalo-mali

Ngaphantsi kweshedyuli yentlawulo ephantsi, ukubalwa kwemali kuluhlaza. Ngomhla wokulinganisa, nayiphi na ibhande ye-asethi ubuhlobo bakho be-akhawunti buwela kuyo yiyo uhlawulayo. Ukubetha abanye njengobulungisa kuba kuthetha abatyala-mali abatyebileyo bakhokhe imali ephantsi kwixabiso elincinci (nangona kungenjalo, ngokwenene, kuqwalasela ukuphulwa kwexabiso kufikelele kuwo wonke umntu). Ikhuthaza abathengi ukuba bafake imali ethe xaxa ukuze bafumane i-breakpoint kodwa idala izilambo kumcebisi ngokuba kukho iingongoma apho benza imali encinci yokulawula iimpahla ezingaphezulu kuze kube yilapho isaphulelo siphindwe kwakhona. Xa usuyela kwixabiso lokuxhaswa kwemali kunye kunye nokukhetha umrhumo wolawulo lolawulo lotyalo-mali, phantse isantya esiphantsi; zonke iimpahla kwi-mali zihlawulwa irhafu enye ehlawulwa kumcebisi.

• Ngaphantsi kwama-$ 2,000,000 = 1.50%
• $ 2,000,001 ukuya kwii-5,000,000 = 1.25%
• I $ 5,000,001 ukuya kwi-10,000,000,000 = 1.125%
• $ 10,000,001 ukuya kwi-25,000,000 = 1.00%
• Ingaphezulu kwama-25,000,000 = athengiswayo

Imali yoTyalo loTyalo-mali

Ngeshedyuli yemirhumo emiselweyo, amanani e-asethi ahlukeneyo ahlolwe iimali ezahlukileyo. Ngaloo ndlela, wonke umntu, kungakhathaliseki ubungakanani be-akhawunti, uhlawula ixabiso elifanayo kwizinga elifanayo ledizithi ebolekisa umgangatho wobulungisa kubo bonke abathengi.

Ngokomzekelo, ishedyuli yentlawulo echanekileyo ingabonakala into enje:

• I $ 250,000 yokuqala = 1.75%
• I $ 750,000 elandelayo = 1.50%
• I $ 4,000,000 elandelayo = 1.25%
• I $ 5,000,000 elandelayo = 1.00%
• I $ 15,000,000 elandelayo = 0.75%
• Amanani angaphezulu kwama-25,000,000 = 0.50%

Cinga ukuba umtyalo-mali uza ne $ 50,000,000 kwimpahla ayifunayo. Ukubalwa komyinge womyinge kuya kuqhekeka njengoko:

• $ 250,000 x 1.75% = $ 4,375
• U-750,000 $ x 1.50% = $ 11,250
• $ 4,000,000 x 1.25% = $ 50,000
• I-$ 5,000,000 x 1.00% = $ 50,000
• $ 15,000,000 x 0.75% = $ 112,500
• $ 25,000,000 x 0.50% = $ 125,000

Ixabiso elipheleleyo = $ 353,125, okanye i-0.70625% ngonyaka. Nangona kunjalo, iintlawulo zihlawulwa ngekota, ngoko ziya kuvavanywa njenge $ 88,281.25, okanye ngaphantsi kwe-0.18%, kunye nokuhlaziywa rhoqo emva kweenyanga ezintathu ukubonakalisa utshintsho kwixabiso lemarike (umzekelo, ukuba imarike iyanqatshitshisiwe, ixabiso lokunciphisa inani, , kunye ne-visa versa).

Imali yoLawulo loTyalo-mali eHlakanywe yiKlasi yeAset kwi-Balance Balance

Enye imirhumo yemali ihlola iintlawulo ezisekelwe kwiiklasi zeefa. Ngamanye amaxesha ithetha ukuba umxhasi uhlawule phantsi okanye akukho mali ehlawulwe kwiimali zeefowuni. Le ndlela iyanconywa ngabaxabiso abatyalo-mali abachitha iminyaka behleli kwiindawo ezinkulu zemali kuphela ukuzisebenzisa ngokukhawuleza xa into ethile iwela i-radar kodwa kubonakala ngathi kukho umbuzo phakathi kwezinye iindawo malunga nokuba ngaba loo migaqo ibonisa ukungqubuzana komdla Isigqeba seSebe lezeMisebenzi esenza isigqibo sokuba i-BICE (I-Interesting Best Contract Exclusion) izivumelwano ezithile kwiakhawunti ethile ngenxa yoko, kunokwenzeka ukuba yi-incentive engenza umcebisi enze ngokuchasene nomdla ongcono kubaxumi ngenxa yokuba iphothifoliyo umphathi unokwandisa intlawulo yengeniso ngokukhawuleza utyalo-mali kunye nokunciphisa amanqanaba emali; ixesha elilodwa kuphela kunye nokucaciswa okuza kuqhubeka.

Ishedyuli yentlawulo yebhanki ingabonakala ngathi:

• 1.50% kwi-equity equity
• 0.75% kwimali engenayo engenayo
• I-0.00% ngemali (okanye enye enye imali yokubiza - ndibone 0.20%)

Ezi ntlawulo zisebenza kungakhathaliseki ixabiso le-asethi - akunandaba ukuba unayo i-$ 5 yezigidi okanye i-$ 100 yezigidi. Nantsi indlela ukubalwa kunokusebenza ngayo. Cinga ukuba umtyalomali onama-25,000,000 wama-$ 15,000,000 abe ne-15% yephothifoliyo yakhe ngenkokhelo, i-25% kwiibhondi, kunye no-60% kwiimpahla.

• I-15,000,000 eyi-equity equity x 1.50% = $ 225,000
• Imali engama-6 250,000 engeniso-mali engenisiweyo x 0.75% = $ 46,875
• Ama-3,750,000 ayi-$ 7,750 agqityiweyo ngemali ye-cash x 0.00% = $ 0

Imali yentlawulo = $ 271,875, okanye i-1.0875%.

Inzuzo kumxhasi kukuba ngexesha lokwakha, okanye ukulandela idipozithi ezinkulu, abahlawulanga kakhulu, ukuba nantoni na, ngemali yabo. Ukuba i-akhawunti yayihleli kwizinto ezinjenge-30% okanye i-50% yemali njengoko umphathi ekhangele ngeenxa zonke izinto ezinengqiqo, umrhumo osebenzayo unokuba luncinci kunokuba uhlawulwe ngenye indlela, oza kulungelelaniswa nemali ephezulu kamva.

Iimali zoLawulo lweMali

Abanye abacebisi bentengo-mali abhalisiweyo bahlawula iirhafu zehora kwiinkonzo ezithile, ezininzi zazo zihlala zihlanganiswe ngaphambili ukuze zilungele. Umzekelo, ukuba awuyi kuba neefayili ezilawulwa yinkampani, usenokuba ufuna ukuba bajonge kwiindawo zakho zokubamba kwaye unikeze ukuhlaziywa kwesicwangciso sakho esele sikhona. Bangahlawulisa i-$ 250 okanye i-$ 500 ngeyure kunye nepakethe yokuqala ukususela kwi-3 okanye kwi-5 iiyure. Bavumelekile ukuba bavume izigunyaziso ezizodwa ezifuna ixesha elincinci okanye iiprojekthi ezizifunayo. Xa ungena kule ntsimi, kubangelwa ngabantu ababini abahleli etafileni bethetha ngento ethile, ekupheleni.

Iimali eziTyebileyo ezidibaniswe neMali yoLawulo yoNyaka

Kwezinye iimeko, unokuphelisa ukuhlawula idibaniselwano zemali efuna ukuba wenze amanani ambalwa ukucacisa ukukhutshwa kwakho kwonyaka njengepesenti yeefa. Ngokomzekelo, ukuba uvula i-$ 500,000 yokuthembela ngeVanguard, uya kuhlawula imali engama-$ 4,500 yonyaka werhafu + i-$ 2,500 yemali okanye i-trustee yintlawulo + intlawulo kwiimali ezixhasayo zonyango ezikunceda ukuba ukhethe (ukusuka kwi-0.05% ukuya ngaphantsi 1.00% kuxhomekeke kwizinto ezithile). Ngethuba lonke litshiwo kwaye lenziwe, ulala ngokuthe ngqo, ngokuthe ngqo kunye ngqo, kwindawo ethile malunga ne-$ 7,850 xa ukhetha uxube oluhle lweemali zasekhaya nakwamanye amazwe . Leyo yintlawulo yonyaka yonyaka ka-1.57% kwimpahla; inzuzo efanelekileyo ukuba i- trust trust tool ine imiyalelo elula kwaye ayifuni ukugcina izinto ezithile zokusebenza ezifana nezotyalo-mali .

Qinisekisa ukuba wenza iMathematika kwiimali ezixhamliweyo ze-Advisors Management Management (I-Advisors Management Management) ezikufaka kwi-Mutual Funds okanye kwi-ETFs

Ukuba usebenza ngokuthe ngqo kunye nenkampani yokulawula i-asethi, iingxaki zihloniphekile ukuba uzihlawula kuphela umrhumo wazo. Yiyo leyo. Uye ngqo kumthombo, ukuze uthethe. Uza kuba nezinye iindleko-i-agent agent, ii-commissions brokerage, kodwa ukuba usebenza nequmrhu eliphezulu kwaye liphakanyisiwe, kufuneka libe libala; kufuneka ukwazi ngokuchanekileyo oko uhlawulayo. Nangona kunjalo, iifom ezininzi zolawulo lwezoqoqosho kunye neentlawulo zemali zokuhlawula iimali ezifana nale nto kuphela ukujika kwaye zibeke umxhasi kwiimali zentsebenziswano , kunye ne- ETFs , okanye ezinye izithuthi zotyalo-mali ezihlawulelwayo. Qaphela kakhulu ngokuthelekisa iimirhumo zee femu kubaphathi beefa. Zibahambeli; abancedisayo abaqokelela iimpahla baze bawaqondise kubaphathi beefa.

Umzekelo, unokuba luncedo ngakumbi emva kokuhlawula irhafu emva kokuhlawula i-1.25% yemali yokulawula yonyaka ngqo kwiinkampani zokulawula i-asethi kwi- akhawunti ephethwe ngabanye kunokuba uye kwi-firm management firm eyenza i-0.75% yentlawulo yaminyaka yonke Ukubeka imali kunye ne-ETF ezihlawula imali engama-0.50%, ongayiboniyo (kodwa ke ukhokhe) ngaphandle kokuba ufunde ukushicilelwa okulungileyo. Ufumana inkonzo engcono kunye nokulawula okungakumbi.