Abacebisi ngezeMali kunye nabaCwangcisi bezeMali baya kuhlawulwa
Iingcebiso ezigqithiseleyo kakhulu isiluleko samahhala. Nangona le nkcazo isoloko ihanjiswa njengentlanzi, kukho inyaniso eninzi kuyo: Njengabo bonke abanye, abacebisi beengcali kunye nabacebisi kufuneka bahlawule iibhokhwe baze bafake ukutya etafileni ekhaya. Ngoko ke, nangona iiflawulo zingenako ukuza ngqo kwi-pocket yakho, kwaye nangona awukwazi ukubona ngokucacileyo indlela abahlawulwa ngayo, abacebisi bahlawulwa ngawe ngesimo okanye kwifom. Nazi iindlela zeziseko eziphambili ezihlawulwayo:
- Iikhomishini: Olu hlobo lwenkokhelo luyinto efana neyabathengi besebenza ngokugcwele, abo "bengabathengisi bemveli". Ikhomishini, enokuthi isuka kwi-30 ukuya kwi-300 okanye ngaphezulu, ihlawulwa kumthengisi xa iqhuba umthengi (uthengise okanye uthengise izabelo zotyalo-mali). Ikhomishini isebenza njengemali eyongeziweyo kwixabiso lezorhwebo lomthengi. Ngokomzekelo, ukuba urhweba kukuthenga i-R10 000 kwizabelo zesitokethi esithile, kwaye ikhomishini ngu-$ 100, i-trade total oyithengayo i-$ 10,100.
- Imirhumo: Abanye abacebisi abafumana iikomishoni ezihlawulwayo kodwa kunokuba bahlawule iintlawulo ngokukhawuleza kumxhasi ngokusekelwe kwiinkonzo ezinikezelweyo. Abanye abacebisi baya kuhlawula iirhafu ezixhomekeke kwii-asethi phantsi kolawulo (AUM) okanye bahlawule umrhumo owodwa wesikhathi esisodwa wenkonzo. Ngokomzekelo, umcebisi unakho ukuhlawula umrhumo we-1.00% we-AUM. Ukuba iimpahla zabaxhasi phantsi kolawulo zi-$ 100,000, umrhumo wonyaka uza kuba yi-$ 1,000. Kodwa ukuba umthengi ufuna nje isicwangciso-mali sexesha elilodwa, umcebisi uya kuhlawula intlawulo echazwe kwangaphambili. Ngolu hlobo lwenkonzo, umthengi angakhokhela i-$ 500 ukuya kwii-5,000 zama-$, ngokuxhomekeke ekubunjeni nokubunzima kwesicwangciso.
- Ikomishoni ye-Salary Plus: Abacebisi abaninzi, ngokuqhelekileyo abo bafumaneka kwiibhanki kunye neenkampani zomshuwalense, bafumana umvuzo wesiseko kwaye bafumana iikomishini okanye iibhonasi ngokusekelwe kwimveliso abayithengisayo.
Iintlobo zabacebisi ngezeNtengo kunye nabaCwangcisi bezeMali
Kukho iintlobo ezahlukeneyo zabacebisi ngezihloko ezahlukahlukeneyo, izikhundla, kunye neziqinisekiso kodwa nakhona abayaziyo:
AbaCwangcisi bezeMali abaqinisekisiweyo (CFP) : I-CFP® ngumntu odibene nayo yonke imfuneko yeBhodi yeZigqibo zeBhodi yeZigangatho, ezibandakanya ubuncinci bamava kunye nokupasa uviwo olubanzi lwebhodi. Ii-CFP nazo kufuneka zizalise iimfuno zemfundo eziqhubekayo zokugcina isimo sabo seCFP. I-CFP ingaba nolwazi olubanzi kuzo zonke iinkalo zophuhliso lwezemali, kubandakanywa utyalo-mali, umhlala-phantsi, i-inshorensi, irhafu, i-inshorensi kunye nokucwangciswa kwempahla. Nangona kunjalo, ukutyunjwa kweCFP akuqinisekisi ukuba bayingcali kunoma yimuphi ummandla othile, nangona ngokuqhelekileyo baxhomekeke kwiindawo ezithile zokucwangcisa imali. Ngokuqhelekileyo, kwaye ubuncinci, ukutyunjwa kweCFP kubonisa ubuncinane ukuqonda okuphezulu kwemveliso yezemali.
Abacebisi bezeNtengo abhalisiweyo (i-RIAs): I-RIA yinkampani ebhalisiweyo kunye nomzimba olawulayo kaRhulumente, njengeSahlulo sezobambiso kwiofisi ye-Attorney General, okanye iKomishoni yokuTshintshiselwa kweeNgcaciso (ISET) .Umcebisi (nge "er" ) yinkampani kunye nomcebisi (kunye "okanye") ngumntu ngamnye, obizwa ngokuba yiRIA rep.
I-Stock Brokers : Aba bacebisi, ngokuqhelekileyo kuthiwa "abagcini bemali-mboleko ngokugcwele" ngabameli beenkampani zorhwebo ezigunyazisiweyo zokuthengisa iziqinisekiso (oko kukuthi izitokisi kunye nezibophelelo). Aba ba cebisi bahlawulwa ngokukodwa ngamakomishoni kwii-securities abathengisa ngazo. Babizwa ngokuba "inkonzo epheleleyo" kuba (kunye nabahlalutyi beenkampani zabathengisi) benza zonke iirhwebo, ukucebisa kunye nokuhlalutya kumxhasi. Iikhomishini okanye iifizi ezivela kwiimali ezixhamlayo zivela kwimali yokulayisha kunye nemali eyi- 12b-1. Uninzi lwabo abatyala-mali-basebenzisi "basebenzisi basaphulelo," njengoCharles Schwab , okungeke kubekho ukuthenga okanye ukuthengisa iilawute kodwa uza kuqhuba ukuthengiswa kwekhomishini encinci, ngokuqhelekileyo malunga ne-$ 10. Abadayisi bentengo banikezela ukufikelela kwimali yokuxhaswa kwemali.
Abasebenzi be-inshurensi kunye nabanki-bhanki : Ndibeka ezi zimbini iintlobo zabacebisi kwinqanaba elifanayo kuba bengabeluleki-mali okanye abacebisi bemali kodwa banako ukuvunyelwa ukuthengisa iimali, izibambiso, iibhondi kunye / okanye iimali eziguquguqukayo ezinokusetyenziswa njengotyalo-mali . Ininshurensi kunye neBhanki inokubonelela ngeenkonzo zoncedo lwezemali.
Luphi uhlobo loMcebisi wezoTyalo-mali olulungile kuwe?
Ukumisela umcebisi ongcono, uqala ngokumisela ukuba lunjani kwaye luhlobo luni lweenkonzo oludingayo. Ukuba ufuna kuphela ukhokelo malunga nokutyalomali, ezinye iingcebiso ezisisiseko, kunye neemfuno zakho azikho nzima, unokufumana inzuzo ngokusebenzisa i-firmware njenge- Edward Jones . Bafumana iikomishoni ezihlawulwayo kodwa ngokuqhelekileyo banengqiqo.
Kodwa qaphela ukuba abadayisi bafunwa kuphela ukuxhasa into ebizwa ngokuba ngumgangatho ofanelekileyo wokunyamekela, oko kuthetha ukuba kufuneka batyunise kwaye bathengise iintlobo zokutsalwa kwemali ezifanelekileyo kumxhasi kunye neenjongo zabaxhasi. Nangona kunjalo, kufuneka kuqatshelwe ukuba abadayisi abafunwa ngokomthetho ukufumana iintlobo ezifanelekileyo okanye eziphantsi kweendleko zokuthengisa. Kwakhona, abadayisi abanjengoko ngokuqhelekileyo bancomela imali yokulayisha okanye iimali kunye nezilinganiso zeendleko eziphezulu kunokuba ziyimfuneko ukufeza iinjongo zabaxhasi.
Ukuba ufuna i-investment advice kunye nokucwangciswa kwezemali eziqhubekayo, ukubheja kweyona ndlela ingcono ibe ngumcebisi wezeNtengo obhalisiweyo. I-RIA ihlawulwa kuphela ngumxhasi (wena) kwaye basebenzise kuphela imali-mali (oko kukuthi akukho mthwalo-mali, kunye ne-ETFs) eziza kunceda izidingo zabathengi.
I-RIA iyafuneka ukuba ixhase umgangatho wokunyamekela, ophezulu kakhulu kunokuba umgangatho wokufaneleka we-broker. Ngamazwi ahlukeneyo, i-RIA iyafuneka ngokomthetho ukubeka iimfuno zomxhasi phambi kwayo. Uya kuhlawula imali eqhubekayo kodwa iifizi ziya kuza kuwe kwaye i-RIA enokubakho iyakwazi ukuyigcina kwiindleko ngeemali ezidibeneyo zendleko eziphantsi, ezidla ngokuba yimali engcono kakhulu.
Ngokwembono, amava akho kunye nezobugcisa beengcali zakho ezizimeleyo zeengxowa-mali, i-inshurensi, kunye neebhanki azizona ndawo ezifanelekileyo zokufumana iingcebiso zotyalo-mali. Nangona abanye bekwazi, ngokuqhelekileyo ukufumana iimveliso zomshuwalense kwiinkampani zomshuwalense kunye nemveliso yakho yasebhanki kunye neenkonzo ezivela kwiibhanki. Kwiphepha elikhanyayo, awuyi kuthenga ii-hamburgers endaweni ye-pizza, ngaba wena?
Kwinqaku lokugqibela, nayiphi na umcebisi okanye umcebisi oyisebenzisayo, kulungile ukusebenzisa enye ngesatifikethi, njengeCFP (jonga ngasentla) okanye efanayo. Ubulumko ukuba ucele abahlobo okanye abasebenzisana nabo ngokubhekiselele kwaye ucele umcebisi ngeenkcukacha ngaphambi kokuba uziqeshe.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.