Iingxelo zeAccounts Brokerage zisebenza njani kunye neNdidi zoTyalo-mali abanokuzibamba
Iyiphi iAkhawunti yokuRhawulwa? Ukuqonda Inkcazo eSeko
I-akhawunti ye-brokerage uluhlobo lwe-akhawunti ehlawuliswayo evulekileyo kunye ne-stock firm brokerage firm. Ufaka imali kwi-akhawunti okanye ngokubhala isheke okanye udibanisa kwi- akhawunti yokukhangela okanye yokulondoloza ebhankini yakho. Xa le mali isetyenzisiweyo, ungasebenzisa imali ukuze ufumane iintlobo ezahlukeneyo zotyalo-mali. Ukutshintshiselwa ukuphumeza ukuthenga kwakho nokuthengisa ii-oda, uhlawula umthengisi we-stock ikhomishini.
Ziziphi iintlobo ze-Investment i-akhawunti ye-Brokerage Can Hold?
I-akhawunti ye-brokerage inokubamba iintlobo ezininzi ezahlukeneyo zotyalo-mali kubandakanywa, kodwa kungagqithanga ukuba kulandelwe, oku kulandelayo:
- Iimasheya eziqhelekileyo , ezimelela izitishi zobunini kumashishini.
- Izitokhwe ezikhethiweyo , eziqhelekileyo azifumani ukusikwa kwengeniso yenkampani kodwa, kunoko, ithambekele ekuhlawuleleni phezulu kunezabelo eziphakathi.
- Amabhondi , kubandakanywa izibophelelo zoMongameli ezifana nee-Bondyebo ze-Nondyebo zase-US, amabhondi, kunye namanqaku, izibophelelo zenkampani , izibophelelo zamasipala , kunye nezibophelelo zeejensi.
- I-Real Estate Investment Trusts, okanye ii-REIT , ezimele amachibi epahla ehambelana nepropati ezibandakanya ezinye iindidi ezizodwa, ezifana nee- REIT zeehotele, ezijolise kwiihotele ezisebenzayo nezisebenzayo .
- Izinketho ze-Stock kunye nezinye iziphumo, ezingabandakanya ukhetho lweefowuni kunye nokubeka okukhethwa kukho okukunika ilungelo okanye uxanduva lokuthenga okanye ukuthengisa ukhuseleko olunikeziwe ngentlawulo ethile phambi komhla wokuphelelwa yisikhathi.
- Iimarike zemali kunye nezatifikethi zediphozithi , ezimelela ubunikazi kumachibi eemali ezixhamla kunye kunye neengxowa-mali ezingenakunqwenelekayo okanye iimali-mboleko ozenzayo kwibhanki ngokutshintshisa izinga lokumisela.
- Iimali zengxowa-mali , ezifakwe kwiipotifoliyo zokutyalomali eziphantsi kwabaninzi abatyalo-mali abathengisa amashishini kwipotfoliyo okanye kwithemba elithatha iphothifoliyo. Esikhundleni sokurhweba ngalo lonke usuku indlela enye i-asethi eyenzayo, iilayithengi zithengise kwaye zithengise ama-oda zifakwa ekupheleni kosuku zonke kanye kanye. Iimali zengxowa-mali ziquka imali yenkcazo
- Ukutshintshiselana ngemali kuhlawule ngemali, okanye ii-ETF , eziyimali yomxhelo , kuquka neengxelo zemali, ezo zorhwebo ezifana nezitokhwe.
- Intsebenziswano Elinganiselweyo, okanye ii-MLP , ezizinxulumene kakhulu kunye neentlawulo ezithile zerhafu kwiintlobo ezithile zabatyalomali.
Ezinye ii-akhawunti zee-brokerage ziza kukuvumela ukuba ubambe iqumrhu lobulungu kwiinkampani ezinobuncwane okanye ubuncinci obunobambiswano obambeneyo , ngokubambisene ukutyalomali kwisikhwama se-hedge, esinokuba nzima kubaxhasi abatsha okanye abahluphekileyo . Nangona kunjalo, umthengisi unakho ukuhlawula imali engeyona nto engabalulekanga yokujongana neengxaki zeempahla ezingaqhelekanga, njengoko zibizwa ngezinye izihlandlo.
Uluphi Uhluko phakathi kweAkhawunti yokuThengiswa kweMali kunye ne-Akhawunti ye-Brokerage Account
Xa uvula i-akhawunti ye-brokerage, kufuneka ukhethe phakathi kwento ebizwa ngokuba yimali kunye nohlobo lwe-akhawunti ye-margin.
I-akhawunti yerhafu yemali yinto efuna ukuba ubeke imali kunye neemfanelo, ngokuzeleyo, ngokuhlawulela, ukwenzela ukubandakanya ukuthengiselana. I-firmware ayiyi kukuboleka nayiphi na imali. Ngokomzekelo, ukuba ukuthengiswa kwezorhwebo kwisitokisini sakho sikuintsuku ezintathu zoshishino, kwaye uthengisa isitoko sakho namhlanje, nangona imali ivela kwiakhawunti yakho ngokukhawuleza, awukwazi ukuyihoxisa kude kube yileyo emva kokuhlaliswa. I- akhawunti ye-margin , ngakolunye uhlangothi, ikuvumela ukuba ubole kwizinto ezithile kwi-akhawunti ye-brokerage kunye nomrhwebi uboleke imali ngokutshintshela oko kudla ukuba kukho inzala ephantsi.
Ndiya kubonisa ukuba abantu bacinge ngokubaluleka kokutshala imali nge-akhawunti ye-brokerage yezizathu ngezizathu ezininzi. Okokuqala, ndiyakhathazeka ngokukodwa ukuba ukuvuselelwa kwakhona kwinto enokuthi ibe yintlekele enkulu .
Isihloko esoteric kodwa enye kufuneka ufunde malunga nokuba unayo i-akhawunti yomrhwerenti. Okwesibini, i-akhawunti ye-margin brokerage ingabangela ezinye izinto ezinzima eziqhubekayo ngendlela oqokelela ngayo izabelo kwiimpahla zakho. Ukuba izinto aziphumelelanga kakuhle, unganakho ukufaneleka kwiirhafu zerhafu eziphezulu kakhulu, kwaye, kunoko, unyanzeliswe ukuhlawula iirhafu eziqhelekileyo ezinokuba ziphindwe kabini. Okwesithathu, kungakhathaliseki ukuba ucinga kakuhle ukuba ucinga njani isikhundla, ukusebenzisa umgama ungaphelela kwintlekele ephila ubomi. Ngokomzekelo, ngasekupheleni konyaka odlulileyo, ndenze isifundo kwimeko yam ebhokisini yam yomntu olala embhedeni ngamashumi amawaka eedola ngokulingana netyala kwi-akhawunti yakhe yomrhweba waza waphaphama ukuba athole umboleki wakhe $ 106,445.56. Abanye abantu abaninzi kunye neentsapho balahlekelwa iindawo ezininzi zokulondoloza ubomi babo, kwaye kwiimeko ezininzi, inzuzo yabo yonke yamanzi okanye ngaphezulu, ngokuthenga izabelo zeenkampani ezibizwa ngokuba yi-GT Advanced Technologies kwimida. Akukufanelekanga. Kulula ngokwaneleyo ukufumana isityebi ukuba unethuba elide elide kwaye uvumele ukuxubusha umsebenzi womlingo. Ndicinga ukuba yiphutha elikhulu ukuzama ukukhawulezisa inkqubo kwinqanaba lokubeka ingozi ekubhubhiseni oko wakhileyo.
Oko kukufanelekile, le ngenye yezo ndawo apho ndibeka khona imali yam apho umlomo wam. Ndivakalelwa ngamandla kangangokuba kuzo zonke iimeko ezikude kakhulu zoluhlobo oluthile lwabatyalomali, iKennon-Green & Co., inkampani yam yokulawula i-asethi, iya kufuna ukuba i- akhawunti elawulwayo yodwa igcinwe ngokugcinwa kwemali kuphela. Andikhathalele ukuba ukusetyenziswa okubanzi kwendalo kungenza i-firm imali ibe yimali ngenxa yecandelo elisezantsi le-asethi esinokuyihlawulisa ngayo imali yokucebisa imali , ixabiso lokuthengisa imali, ulwabiwo-mali, kunye nokutyalomali-mali esingazibolekiyo. ukuboleka imali. Ingozi yenzalo kwaye andifuni nantoni na.
Ingaba kukho naziphi na iimingalo kwiMali yeMali ongayifumana okanye ugcine kwi-Akhawunti yeRhafu?
Akukho mingcele yemali ongayifaka kwi-akhawunti ye-brokerage njengokuba kukho iRoth IRA okanye i- 401 (k) kwaye, ngoko ke, akukho nto inqandeko xa ungayifumana imali ngaphandle kokuba uthenge uhlobo oluthile ukhuseleko okanye i-asethi. Ngokuxhomekeka kwimeko yakho yerhafu kunye nelolu hlobo lweempahla ozibamba kwi-akhawunti ye-brokerage, unako ukuhlawulwa kweerhafu zentlawulo, iirhafu zomrhumo, okanye ezinye iirhafu ekubanjweni kwakho.
Enye into ongathanda ukuyiqwalasela yinkxaso yemali yomthengisi wakho kunye nomlinganiselo we- SIPC . Le yinshurensi ekhabayo kwaye ibhayili abatshali-mali xa i-stock brokerage iqumrhu lihamba. Iintlobo ezahlukeneyo zeempahla zinamanqanaba ahlukeneyo omsebenzi, kwaye ezinye azifumanekanga nakwezinye. Enye indlela kukuqwalasela ukusebenzisa inkampani yomrhwebi ukuqhuba amashishini kodwa ukugcina iziqinisekiso zakho ngeNkqubo yokuBhalisa ngqo, okanye i-DRS .
Ingaba kukho umda kwiNani leeAkhawunti zeMali-mboleko enginayo?
Cha. Akukho mda kumlinganiselo wee-akhawunti ze-brokerage ovunyelwe ukuba nazo. Enyanisweni, unako ukufumana ii-akhawunti ezininzi, okanye zimbalwa, i-akhawunti njengoko ufunayo kwaye njengoko amaziko aya kukuvumela ukuba uvule. Unako ukufumana ii-akhawunti ezininzi ze-brokerage kwiziko elifanayo, ukuhlukanisa i-asethi ngokucwangcisa isicwangciso. Unako ukufumana ii-akhawunti ezininzi zee-brokerage kumaziko ahlukeneyo, ukwahlukana kobudlelwane bakho kunye nokuchasana.
Uluphi Uhluko phakathi kweCredit Broker kunye ne-Full Service Broker?
I-akhawunti ye-brokerage esebenza ngokupheleleyo yintlobo ekhethekileyo ye-akhawunti ye-brokerage apho usebenza nomthengisi ozinikeleyo owaziyo, intsapho yakho kunye neemeko zakho zezimali. Uyakuthabatha ifowuni uze uthethe naye. Unokungena eofisini yakhe kwaye rhoqo rhoqo iintlanganiso kwaye uxoxe ngepottoliyo yakho.
Ingxenye yembuyekezo yolu hlobo lwenkqubo ngokuqhelekileyo ivela kwiinkomishini zorhwebo ngoko endaweni yokuhlawula amaxabiso e-$ 5 ukuya kwi-10 kwi-broker isaphulelo ngorhwebo, unakho ukuhlawula ukusuka kwi-40 ukuya kwi-150 ukuya kuxhomekeka kwiimeko. Nangona oku kukhulisa iindleko, kukho abanye abathi bakhuthaza ukuba abatyali-mali bahlale behlala ixesha elide kwaye bahlale bezolile ngexesha leemarike zitheka ngokuba nomntu obamba isandla. Uya kufuneka wenze isigqibo kuwe ngokwakho indlela esebenza kangcono kwimeko yakho.
Umthengisi wezaphulelo, ngokuchaseneyo, ngokuqhelekileyo i-intanethi-kuphela kule mihla, mhlawumbi ngeeofisi zamasebe ezimbalwa kwilizwe lonke. Yonke into eninzi kakhulu-kwaye-kwaye kufuneka uyenze amashishini akho.
Amanye amaziko emali anika zombini imizekelo. Ukuze ufunde kabanzi, ufunda Ngaba Umthengisi Ogcweleyo Uncedo Kuwe? .
Ulwazi olungakumbi malunga ne-Stock Brokers kunye ne-Brokerage Firms
Le nxalenye yesikhokelo sethu saqalayo kwi-stock brokers kunye neefranki zama-brokerage , equlethe ubutyebi bemithombo yabatyalomali abatsha bazama ukukhetha indlela yokukhetha umthengisi we-stock, ukufunda indlela yokuqinisekisa ukuthengisa, nokunye okuninzi. Funda kwakhona malunga neakhawunti yokuphatha imali .