Ukuvula i-Akhawunti yeRhafu ye-Brokerage nge-Full-Service Broker okanye i-Discount Broker
Kukho iintlobo ezimbini ezahlukeneyo zabathengisi bempahla.
Iyokuqala iyaziwa njengomthengisi wendabuko okanye umthengisi wenkonzo epheleleyo. Owesibini ubizwa ngokuba ngumthengisi wezaphulelo. Xa uvula i-akhawunti kunye nomthengisi wendabuko, uza kusebenza nomntu oya kubakho ibhodi yokulila; ophendula iifowuni yakho kunye neendawo zokuthengisa.
Lo mntu unokuncoma utyalo-mali okanye unokunceda wenze izinto ezifana nokusetha i-UTMA kubantwana bakho ukuba ubanike isabelo kwisabelo . Kule nkonzo, uya kuhlawuliswa iikomishoni eziqhelekileyo kwiindleko ze-do-yourself-yourself trade at a broker discount. Umthengisi wenkonzo epheleleyo kunye nequmrhu elimqeshiyo mhlawumbi livelisa inzuzo eninzi kuloluhlobo lwemisebenzi yorhwebo.
Nangona kungenakucingela kakhulu ukuba unelungelo elifanelekileyo okanye unetyala eliphezulu - emva koko, abaninzi abantu ababona umda omkhulu phakathi kwekhomishini eyi-8.95 kunye nekhomishini engu-250.00 ukuba uthetha ngokuthenga ibhloko ye- chip chip e-blue value e-$ 500,000 kwaye awuyi kucwangcisa ukuthengisa ngawo kwizizukulwana, usebenzise inzuzo yokunyuka kwinqanaba , echaza, ngenxalenye, isizathu sokuba abadayisi beenkonzo ezigcweleyo banqwenele kwipesenti ethile zesityebi-kunokunquma ukubuyisela xa neakhawunti encinci.
Ezinye iifemu zorhwebo zemveli zisebenza kwiimodeli zokuhlawulela ze-hybride ezidibanisa iimali ezichanekileyo, iintlawulo zonyaka njengepesenti yeefa kunye nee-commissions zorhwebo. Iinkonzo ezongezelelweyo zifakwe rhoqo kulezi ndleko kwaye ziyahlukahluka kumthengisi ukuya kumthengisi.
Umzekelo, umthengisi wakho wenkonzo epheleleyo unokukunika uluhlu lwezakhono zokutshala imali esekelwe kwisicwangciso sakho sotyalo-mali esikhethiweyo (umz., Ukuba uthanda iinkampani ezizinzile eziye zandisa igalelo zawo minyaka yonke iminyaka engama- 25, zinokuba nengxelo ekulungiselwe yona uluhlu lweempawu zeelayibhile , amagama, kunye nomvuno wezahlulo kwinkampani nganye e-United States ehambelana nomgaqo-nkqubo.
Unokulungiselela iziganeko malunga nepotfolio yakho, kukunikezele ngokukhawuleza kweendlela zakho zokutshala imali kwaye, mhlawumbi, ukufumana ukufikelela kwimali ethile yokubambisana kunye neengxowa-mali , i- index index okanye i- exchange exchange- you finance abayi kukwazi ukuthenga.
Ukuze ufunde kabanzi malunga nesi sihloko, ufunda i-Broker-Service Broker Ngayo? , ekwaphule ulwazi olongezelelweyo olunokuba luncedo ekuqaliseni ukuba iindleko ezongeziweyo zizuze imeko yakho ekhethekileyo. Umthengisi wezaphulelo, ngokuchaseneyo, unika izixhobo ukuba uzithengise. Ulawula ukuthenga nokuthengisa ii-oda. Awunamntu omi phakathi kwakho nemali yakho ukuba ufuna ukwenza into engathethiyo, kuquka ukuthengisa ngaphandle kwenkxalabo okanye ukuthenga kwimida ngexesha lebhola.
Kuba abatyala-mali okanye abanamava abalawulayo imali yabo, oku kungayilungeleka kuba awuyihlawuleli iinkonzo ongafuni okanye ozifunayo. Ngokomzekelo, i-akhawunti ye-E-Trade brokerage i-akhawunti yesaphulelo sokuthengisa. Ezinye iifenki zokurhweba zinikezela ngee-akhawunti zezoburendi kunye ne-discount discount, kubavumela ukuba bakhethe oko kusebenza bhetele kwiimeko zabo.
I-Balance Minimum Opening efunekayo kwiAkhawunti yokuThatyala
Iingxelo zemali ezahlukeneyo zemali zineemfuno ezahlukileyo zokuvula ibhalansi.
Amanye amafemu e-brokerage aya kubeka ubuncinci kwi-$ 1,000, i-$ 2,000, okanye ngaphezulu. Abanye bangakuvumela ukuba uvule i-akhawunti ngenani elincinci lemali nje kuphela xa uvuma ukuba uhlawule imali rhoqo, rhoqo rhoqo ngenyanga, kwi- akhawunti yokutshekisha okanye yokugcina imali . Ukuba ungaphumeleli ukugcina ibhalansi yokuvula ubuncinci okanye ezinye iimfuno zokulinganisela ibhalansi, ziphi iimali?
IiNkonzo, iiPerks, kunye nezixhobo ezikhoyo Xa Uvula i-Akhawunti yakho
Ngabathengisi bentsebenzo ngokupheleleyo, oku kubaluleke kakhulu ukuxoxa ngoba mhlawumbi unokufikelela kumthengisi ngokwakhe, onokusebenzisana nawe ukufumanisa uluhlu olubanzi lophando-mali kunye neengxelo. Kwababhalisi bezaphulelo, ngakolunye uhlangothi, umehluko kwiminikelo ingaba yinto ebalulekileyo.
Ezinye iifemu ziza kunika abathengi ithuba lokufikelela kwi-equity kunye nedatha yochungechunge lwedatha ukusuka kwi-Morningstar, i-Thomson Reuters, i-Standard ne-Poor's, i-Credit Suisse kunye namanye amaziko kunye neebhanki-mali .
(Ngelishwa, ndiyazi nge-akhawunti ye-brokerage eya kukunika ukufikelela kwenye yeyona mveliso yophando lotyalo-mali kwihlabathi, i- Value Line Investment Survey , okuya kufuneka uyihlawule ngaphandle kwindleko. Izindlu zokurhweba zijongene neenkampani ezinkulu zekhadi lesikweletu kule mihla ukwenzela ukuba abathengi nge-akhawunti ye-brokerage bangasebenzisa ngeminikelo ethile ayifumanekanga kuluntu jikelele.
I-American Express kunye noCharles Schwab kutshanje basebenze ilungiselelo eliphakamileyo apho umntu owayekhupha amakhredithi amabini asemthethweni egameni lalo mva, evumela ukuba umnini-mnikazi azuze inzuzo esekelwe kwisamba sawo sonke seSwab sokuthengiswa kweakhawunti kunye neentlawulo zeemali zemali I-akhawunti yokuthengiswa ngokuxhomekeke kumqulu ohlawulwe kwikhadi.
Omnye ikhadi linika i-1.5% ngemali ngokukhawuleza kuyo yonke into efanelekileyo yokuthenga, enye ikuvumela ukuba uguqulwe i-American Express imivuzo yokubeka imali kwiSwawa. Ezinye ii-akhawunti zee-brokerage kwizindlu ezithile zee-brokerage ziyakwazi ukutshala ikhomishana mahala kwii-securities ezithile ezikhethiweyo ezibandakanya iimali zentengiso, imali-mali yokuthengiselana kunye neenkcukacha zezimali. Kuba abatyalomali abancinci basebenzayo kwisabelomali esincinci, le nto ingaba yindlela enkulu yokugcina imali.
Yintoni iNdawo kunye neNkonzo yefoni ye-Brokerage yakho eqinile ifana nayo
Ngaphambi kokuba uvule i-akhawunti, kufuneka utshaye i-intanethi yakho eyintandokazi ye-intanethi uze uvakashele iphepha lewebhu nganye yeefenethi zemali ocingayo. Ukuba uceba ukwenza uphando oluninzi okanye ukuthengiswa kwi-intanethi, ukuvakalelwa kwesiza kuya kubaluleka njengoko ezinye iinjongo kunye neenkonzo zinikwe. Ezinye izindlu zedratshi ziye zaziwa ngokuba ziindawo zokungena kwiindawo ngexesha leemarike eziphezulu okanye ukurhweba. Abanye bathumela abanikazi beakhawunti ye-brokerage nge-maze yemiyalezo ebhaliweyo ngaphambi kokufikelela kumntu.
Iimali zengxelo ze-Akhawunti ze-Akhawunti ze-akhawunti
Kule minyaka, mna kunye nentsapho yethu sinee-akhawunti ezahlukeneyo zee-akhawunti kwiindawo ezininzi ezahlukeneyo. Enye into endimangalisa ngayo umgangatho wobukhulu kwiingxelo eziveliswe ngamanye amafemu ngokumelene nabanye.
Kwiminyaka eyisibhozo edlulileyo, umgcini oyintloko wokugcina esisisebenzisileyo kukuba, izandla phantsi, ezona zilungileyo. Nanini na xa sivula enye i-akhawunti, ndiyaziqhagamshelana nabo kwaye nditshintshela kwindawo ethile ethi ayiyiyo i-default default. Oku kuguqulwa kwamalungiselelo kundenza ndibone izinto ezifana nenani elipheleleyo leentsuku, ngesiseko ngasinye, isithuba ngasinye sivulekileyo, siqikelele ingeniso yonyaka evela kwizabelo kunye nomdla , kwaye uphule i-securities ngeklasi ye-asethi .
Ungaphinda ufune ukujonga kwii- akhawunti zentengiso ye - brokerage , kwakhona. Ndaye ndafumana i-akhawunti kunye nomntu onxulumene nebhanki ehlonitshwe kakuhle . Iimpawu zorhwebo ziza kuboniswa ngokuqhelekileyo ngeziphene eziphathekayo kubo eziya kufuna ukulungiswa kwangoku.
Ukuvula i-akhawunti yeMarginage Brokerage okanye i-Akhawunti yokuThengisa imali
Ndiye ndathetha nawe ngokuthenga isitokethi kwimida . Ndacacile ukuba njani, kuba abatyala-mali abaninzi phantsi kweemeko ezininzi, kubonakaliswa. Ikwabonisa ingozi ekufuneka ungabonakali ngayo kwaye uyamema ukuba yimalini kwiqabane lakho kwisigqibo sokwenza imali kwi-yakho mboleko (umthengisi wakho) unokugqiba isigqibo sokuba ufuna ukuthengisa izikhundla zakho nangona zingabalulekanga, ukuvalela zakho ilahleko.
Ukuba uthengisa umda, ungathanda ukujonga indlela i-akhawunti yomrhwebi eyakhiwa ngayo imida yomgama (umz., Abathengisi abathile befowuni bafuna ifomu ephakamileyo yokubala emanzini eyaziwa ngokuba yi "margin portfolio" kwi-akhawunti yabo ye-brokerage), kwaye ireyithi apho iboleko zemali eselula khona.
Ngokomntu, ndinikwe ingxalaba yokuba ukuvuselelwa kwimizimba ingabakho ntlekele phantsi kweemeko eziphosakeleyo, ndiyakubonisa ukuba uvule i- akhawunti yekheshi , endaweni yoko. Ewe, kuyinto encinane kangcono kodwa ikunika ukhuselo oluthile lokuba ndicinga ukuba lufanelekile (ingxaki) encinci.
Ukuxhaswa kwezeMali eziKomeleleyo kunye ne-SIPC Inkcazo yoMshuwalense
Amaziko ezezimali, kubandakanywa iifenki zokurhweba, ayaphumeleli. Enye indlela yokunciphisa umngcipheko wokubanjelwa kwinkqubo yokuxhamla i-akhawunti kuphela ukuvula ii-akhawunti ze-brokerage kumaziko anamandla. Abathengi bazakufumana iinkcazo zabo zezimali ukuba zihlolwe, kwaye abaninzi banokuthengiswa esidlangalaleni, nokuba kunjalo, ngoko unokukwazi ukufumana inkampani yabo yabazali ngeFom 10-K kunye nengxelo yonyaka , phakathi kwezinye izinto.
Ngaphandle kwalokhu, ufuna ukubuza malunga nenkcazo ye- SIPC yomthengisi. Kweemeko ezithile, unokwenza ufune ukujonga ukukhutshwa kunye nemithetho, ngokucokisekileyo, kwaye ubeke imali kuphela kwi-akhawunti yakho ye-brokerage ngendlela ekunika ukhuseleko oluphezulu ngamaxesha onke, kuquka ukunamathela kwimida ethile ye-akhawunti okanye ukuthengiswa kweentlobo ezithile ze-securities .
Abanye abatyalo-mali, ingakumbi abatyalo-mali abatyalileyo, bakhetha ukusebenzisa i-akhawunti yokugcinwa kwiziko elihlukile kunenkampani yokuthengisa i-brokerage ekuphathweni kokusebenza kwabo. Ngaphandle koko, unokugqiba isigqibo sokuba ufuna ukuya kwiindleko kunye nokulahlekelwa ukuba ubhalisele ama-equity akho kwi -DRS .