Kwinqaku lwakutshanje, sifunde ngokumahluko phakathi kwe-Standard Fiduciary kunye ne-Suitability Standard (funda: I- Fiduciary vs. Ukufaneleka: Kutheni ufuna ukukwazi ukuhluka ). Ngethuba ekuqalekeleni oko kubini kunokuba kufaneka ngokufanayo, le migangatho emibini imele ihluke.
I-Standard Fiduciary igcina ukuba umcebisi wezemali kufuneka abeke umdla wakhe ongcono kakhulu phambi kweyakhe.
Ngaphantsi koMgangatho wokuLungeleka, umcebisi wezezimali ufunwa kuphela ukuba akholelwe ngokufanelekileyo ukuba nayiphi na iindululo ezenziwe zifanelekileyo kumxhasi. Oku kuthetha ukuba abacebisi banakho ukuphakamisa utyalo-mali abathile ukuba bafanelekile, nangona oko kuthetha ukuba umcebisi uya kufumana imali ephezulu okanye iikomishini kunokuba babeya kucebisa ukuba utyalo-mali olufanayo kunye neendleko eziphantsi. Abacebisi bangakwazi "ukunyusa" iimveliso ezinokuba zifanele kodwa kungengona zilungileyo kakhulu kubaxhasi babo.
I-Standard of Suitability Standard ihlolisiswe ixesha elithile ngenxa yeengxabano zemicimbi. Ukuzekelisa indlela iimpembelelo ezichaphazela ngayo imali ezi ngxubusho, zi bonani ezi zilandelayo:
Uhlalutyo lweeNgcaciso zezoQoqosho zeNdlu ye-White House lufumene ukuba le ngquzulwano yenzalo ibangele ukulahlekelwa yonyaka malunga ne-1 pesenti yabatyala-abachaphazelekayo-okanye malunga neebhiliyoni ezili-17 ngonyaka ngonyaka.
Ukubonisa indlela ukuhlukana okuncinci kunokongeza ngayo: I-percentage point return return can reduce your savings by more than a quarter over 35 years . Ngamanye amazwi, endaweni ye-$ 10,000 yokuthatha umhlala-phantsi ekutshaleni imali engaphezulu kweeyure ezingama-38,000 ngaphaya kwelo xesha emva kokulungiswa kwexabiso lokunyuka kwamaxabiso, bekuya kuba ngaphezu kwama-27,500. "
Faka iNqununu entsha yeFiduciary
Iingxoxo ezininzi malunga nokuba ngaba okanye ukungenzi utshintsho kwimigangatho efanelekile yenzeke kule minyaka. Ngoku, iSebe lezeMisebenzi lithatha inyathelo kwaye kwiveki yokugqibela idlulisele umthetho omtsha, uMthetho weFiduciary, oya kubakhusela abo batyali-mali abanama-akhawunti yomhlalaphantsi.
Lo mgaqo omtsha uhlanganisa bonke abaqeqeshi bemali abanika iingcebiso ngezolimo-mali kwiingxelo zomhlalaphantsi-kuquka 401 (k) kunye nee-IRAs. Umthetho omtsha uthi,
"Nabani na ofumana isinxephezelo sokubonelela iingcebiso ezizimeleyo okanye ezijoliswe ngqo kwisicwangciso esithile esixhasayo (umzekelo, umqeshi ngesicwangciso somhlala-phantsi), umceli-nxaxheba, okanye umnini we-IRA ukuba acinge ngolu hlobo ekwenzeni isigqibo sokutyalwa komhlala-phantsi isigqibo. Ezi zigqibo zingabandakanya, kodwa azikhawulelwanga, ziziphi iimpahla zokuthenga okanye ukuthengisa kunye nokuba i-rollover kwisicwangciso esisekelwe kumqeshi ukuya kwi-IRA. I-fiduciary ingaba ngumthengisi, umcebisi-mali obhalisiweyo, ummeli womshuwalense, okanye olunye uhlobo lomcebisi. "
Okukwintsusa
Umgaqo omtsha, okulindeleke ukuba usebenze kwizigaba eziqala ngo-Apreli 2017, kulindeleke ukuba ukhusele umboleki kwaye ugcine izigidigidi zeedola kwizikolo zabasomali. Sonke sibone i-statistics ebangeleyo kumhlalaphantsi kweli lizwe. Ngalo mgaqo omtsha, sinokukwazi ukunika abantu abaninzi ithuba lokulwa.
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 ukuba 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.