Inkqubo yokuBhalisa ngqo (i-DRS)
Njengoko uninzi lwabatyalo-mali abatsha, mhlawumbi utyalole kwiimpahla ezinokuthengiswa kwe- akhawunti . Xa ubeka umyalelo wokurhweba kunye nesitoko esithengiweyo ivela kwiakhawunti yakho, izabelo zakho zesitoreji zibhaliswe kwigama lesitalato.
Okokuthi, ukuba unamalungu angama-1 e-Apple ngokusebenzisa i- akhawunti okanye i- akhawunti yokugcinwa kwehlabathi jikelele -masithi ngenxa yomzekeliso oyikhethayo uCharles Schwab kuba yenye yezona zikhulu kakhulu kwihlabathi-isitoksi sakho sihlanganiswe nayo yonke into abathengi abathengi abanezabelo ze-Apple kwaye babikelele ngeencwadi ze-apilisi yokudlulisa i-Apple njenge "Charles Schwab & Inkampani".
Wena ungumnini onenzuzo yamashishini akho ayi-1 000, kodwa uShawa ungumnini werekhodi . Emva koko, kwi-accounting yayo kunye neenkcukacha, iSchwab idiliza ukuba yeyiphi iklayenti leyo eyabelana ngayo, kwaye inikezela ubungqina boshishino, izitatimenti zemirhumo, kunye neirekhodi zerhafu.
Ubuncinane kwimeko ye- akhawunti ye- margin , ukuba iqumrhu le-brokerage liye laphazamiseka, ushiywe uphethe isikhwama ngokubhekiselele kwi-firm (i- akhawunti yekheshi ayixhomekeke kwi-rehypothecation kwaye kufuneka ihlukaniswe ngokupheleleyo ).
Yintoni eya kwenzeka kwizabelo zakho ezibekwe egameni lesitalato? Ngokomlando, oku akuzange kube yingxaki, nangona emashumi embalwa eminyaka kukho i-blowup enkulu ebiza indleko yabanini-mali imali eninzi.
Ngokuqhelekileyo, ukuba kukho ukungaphumeleli, unokufumana uxhomekeke kwi- inshurensi ye-SIPC (i-Securities Investor Protection Corporation) , enomda.
Phakathi kwala mabini amaqhosha e-aseset kunye ne-SIPC yomshuwalense, kuye kwaba yinto enqabile kakhulu kumthengi we-brokerage ukuhluleka ukufumana yakhe ipotfoliyo emva kwayo, ngokugcwele, xa kuthengiswa i-brokerage. Sekunjalo, kule miqobo engapheliyo, Inkqubo yokuBhalisa ngqo inikezela ukhuseleko.
Ngo-1996, inkqubo yokuBhalisa ngokuBambiseneyo yenzelwe abantu abazange bafune i-stock yabo ibhaliswe egameni le-firmware yabo. Ngamanye amaxesha, abatyali-mali bathenga kwaye bathengise ngokuthe ngqo kwi-ejenti yokudlulisa. Amanye amaxesha, asebenza kunye nomthengisi wabo oyintandokazi ukulungiselela amashishini abhalisiwe kwi-DRS.
Izinzuzo zokusebenzisa inkqubo yokuBhalisa ngqo xa ubamba iiShishini zakho
Kukho iinzuzo ezininzi zokusebenzisa i-DRS kwimpahla yakho yesitokisi. Ezi nzuzo ziquka:
- Ukhuselo oluchasene noMngcipheko weQumrhu: Ukuba umthengi wakho wemali uyabhawulwa , kwaye izabelo zakho zigcinwe kwigama lesitalato, uya kufuneka uhambe kwinkqubo yokubuyisela, kwaye mhlawumbi uhlawulwe, ukuba ufanelekile, kwi-inshuwalense ye-SIPC. Ngokwahlukileyo, ukuba i-stock yakho ibanjwe kwi-DRS, akufanelekile ukuba ibango lakho likunye nenkampani onawo, kungekhona umlamli.
- Inxibelelwano ngokuthe ngqo kwiNkampani ngokwayo: I- Stockbrokers iyaboniswa ngokukhawuleza xa kuthethwa ukuhambisa iingxelo zonyaka , i- 10k zokufakela , iinkcazo ze-proxy , kunye nezinye izinto ezivela kwiinkampani oziphetheyo. Xa ubhaliswe ngqo kunye ne-ejenti yokudlulisa nge-DRS, amaxwebhu athunyelwa kwidilesi yakho yerekhodi, rhoqo ngokukhawuleza.
- Akukho ziqinisekiso zeSitokethi zeSitokethi zokuLawula xa usebenzisa i- DRS: Ukuba unakho unesiqinisekiso sesitokethi sephepha, uyazi ukuba zingakhohliswa, zibiwe, okanye zichithe. Ngendlela yokuBhalisa ngqo, le ngxaki awusoze ujamelane nayo. Oku kungakugcina imali, ngokunjalo. Nanini na xa uthumela izatifikethi zesebe, ukhuthazwa kakhulu ukuba uziqinisekise ukuba u-3% wexabiso lemarike, ephuma ephaketheni lakho. (Kutheni ku-3%
- Amasheya agcinwe nge-DRS Awukwazi ukuthobela abadayisi abancinci: Xa unesitokethi egameni lesitalato , umthengisi wakho uboleka izabelo zakho kubathengi abancinci, ngubani onokuyichitha intengo ngokuthengisa ngokufutshane mfutshane . Izabelo abazibolekayo zingaze zivele kwiakhawunti yakho! Oku ngamanye amaxesha kunokukhokelela kwingxaki yerhafu enomdla xa izabelo ezifumanayo, eziza kuthotyelwa iimfuno zokwahlula ezifanelekileyo ezifanelekileyo ukufumana iirhafu ezifanelekileyo kakhulu ezivela kwi-0% ukuya kwi-23.6% ebandakanya i-taxamente yerhafu. ukusuka kuwe kuba abathengisi abancinci bahlawula ngokuthile okubizwa ngokuba yiNtlawulo kwiLiu yesahlulo, okanye i-PIL.
- Ukusebenzisa i-DRS kwenza kube lula ukufumana i-DRIPs: Iinkampani ezininzi zinikela ngenkqubo yokubuyisela inzuzo, okanye ii-DRIP. Ezi zininzi kubalimi-mali abafuna ukuhlawula izabelo zabo ekuthengeni izabelo ezininzi zesitokhwe ezincinane okanye akukho mishini okanye iifizi . Ngokuhamba kwexesha, ukubuyisela izihlawulelo zakho kunokuba nefuthe elikhulu kwisityebi sakho esiphezulu. Xa usebenzisa iNkqubo yokuBhalisa ngqo, ungenza umnxeba okanye uthumele kwisayinitsha uze ubhalise kwi-DRIP.
- Ukwenza Isipho Sokudlulisela Abahlobo okanye Intsapho Inokuthi Ilungele i-DRS: Njengebhonasi eyongeziweyo yokusebenzisa inkqubo yokuBhalisa ngqo, unako ukufumana isabelo sesipho kwiintsapho okanye ngabahlobo ngokufumana i-ejenti yokudlulisa i-akhawunti ye-DRIP, ixhaswe ngemali. izabelo ezivela kwiakhawunti yakho kwiakhawunti yakho. Oku kunokuba lukhetho olukhulu kumtyalo-mali oye wakha indawo enkulu kwinkampani ethile kwaye ufuna ukunika abantwana bakhe isabelo semali yentlawulo yesipho ngaphandle kokuphela konyaka. Ndiyazi yintsapho enye eyayigcine amakhulu amabini eengxenye zeGenerali yoMbane, eyakhelwe ngaphezu kwexesha lokuphila lokutyalomali, osebenzise le ndlela ukuze adlule ubunini kwizizukulwana ezalandelayo. Isizukulwana sokuqala siza kuzalisa ezinye iincwadi kunye ngonyaka kunye nabantwana kunye nabazukulwana babeza kubona iifomethi zezabelo ezintsha zongezwa kwiingxelo zabo zeengxelo zonke iinyanga ezilishumi elinesibini.
Iingxaki zokusebenzisa i-DRS Xa ubamba iiShishini zakho
Into ebaluleke kakhulu ekusebenziseni i-DRS kukuba awukwazi ukuthengisa isitoko sakho ngokukhawuleza. Uya kufuneka uthumele imiyalelo ngqo kwi-arhente yokudlulisa, apho ke amaziko akho athengisa i-oda kunye nabanye abathengisi, kwaye uqhuba urhwebo kwishedyuli eselungiselelwe ngaphambili.
Oku kungenza kube nzima ukuthengisa phakathi kwenkxwaleko njengoko ihlabathi lawa phantsi okanye ukuba ufuna imali ngokukhawuleza. Eyona ndlela, kufuneka uvumele ubuncinci beentsuku zoshishino ngaphambi kokuba ufikelele kwimali yakho.
Enye indlela yokwenza-ukukhawuleza ngokukhawuleza kukuthi i-ejenti yokudlulisa i-DRS yokungena kwinkampani ethile ishukumisela izabelo zakho kwiqumrhu le- brokerage ukwenzela ukuba umthengisi wempahla angathengisa ngokukhawuleza. Oku kuya kuthatha ubuncinci iintsuku zoshishino ukufezekisa, mhlawumbi ixesha elide.
Umrhwebi we-DRS ofanelekileyo
Yiyiphi uhlobo lomtyalo-mali kufuneka acinge ngokusebenzisa inkqubo yokuBhalisa ngqo? Lowo:
- Izicwangciso ekuthengeni ixabiso elikhulu kwi-shishini ethile,
- Izicwangciso zokubamba ezo zabelo kwiminyaka embalwa ezayo ubuncinci,
- Akafuni ukulala ubuthongo ngenxa yokuba umthengisi wakhe okanye isikhungo sezemali sichitha,
- Ukukhetha ukufumana iingxelo zonyaka kunye namanye amaxwebhu ngokukhawuleza,
- Unqwenela ukusetha ngokutsha ngokuzenzekelayo ukuhlawulelwa kweerhafu okanye idizithi ye-elektroniki yezabelo kwi-akhawunti yebhanki, kwaye
- Awufuni ingozi yokukhusela nokukhuseleka kokubamba izitifiketi zesitokethi sephepha.
Kukho iimeko ezininzi kunye neemeko ezifunekayo ukuba ziqwalaselwe xa usenza isigqibo sokuba ngaba u-Registered Stock Registration ulungile. Uya kufuneka ufumane iindleko zithuba lakho. Kwabanye benu, i-DRS iyavuma ukuba uviwo olufutshane.