Yazi oko ufumanayo phambi kokuba wenze ukhetho
"Inkonzo epheleleyo" inokuvakala njengento enokufanele ukuba nayo, kodwa oko akunjalo. Kuxhomekeka ngokwenene kwiintlobo zotyalo-mali oya kuyenza.
Nantsi isikhokelo kwiintlobo ezahlukeneyo zemirhurensi, into enokukunika yona, kunye noko kunokuhlawula.
IiNkonzo zeeNkonzo ezipheleleyo: IiNkonzo, kodwa ngexabiso
Abathengi abaqeshwe ngokugcwele basebenzela izindlu ezinkulu zemali zokuthengisa ezifana neCitiFinancial, iMaster Merry Lynch Wealth Management, kunye noMorgan Stanley. Bonke abathengi baya kwenza amashishini kwabaxhasi babo, kodwa umthengisi wenkonzo epheleleyo uza kuphanda uphuhliso lwezoqoqosho kunye nokunika iingcebiso.
Nangona kunjalo, ngaphandle kokuba unolwazi olunzulu malunga ne-ins kunye nokuphuma kwetyala, awuyi kukwazi ukuba ufumana iingcebiso ezilungileyo, ucebisi olucebisayo, okanye iingcebiso ezingalunganga. Kwakhona kunokwenzeka ukuba umthengisi wakho okanye "umcebisi wezezimali" awungcono kunokuba ukhetha ukutyalo-mali.
Umniki-mboleko opheleleyo wenkonzo uphanda ngokutsha utyalo-mali ohlukeneyo kunye neenjongo zakho engqondweni, unika iingcamango zophuhliso kunye neengcomo, kwaye ikugcina ufikelele kwiimveliso zeemarike, ukusebenza kwempahla, kunye nemithetho yerhafu.
Iyini Indleko Yomthengisi Opheleleyo?
Imirhumo ihluke phakathi kweenkampani, kodwa ngokuqhelekileyo uthetha, uhlawula umrhumo onempilo kwiinkonzo zesevisi zemali epheleleyo.
Ngako oko, umthengi olungele umthengisi wenkonzo epheleleyo ngumntu ophethe ipolfoliyo enkulu, kodwa ongenaso ixesha okanye umnqweno wokulawula utyalo lwakhe. Nangona kunjalo, kubalulekile ukuba ube negama lokugqibela kuyo nayiphi na inguqu yotyalo-mali. Qaphela ukuthetha ngokuchasene nesivumelwano sakho esibhaliweyo.
Ngokubuyisela kwezi nkonzo, abathengi bentsebenzo esigcwele bahlawula iirhafu eziphezulu xa uthengisa okanye uthengisa amasitokethi. Ngokomzekelo, unokulindela ukuhlawula imali engama-$ 150 okanye i-$ 200 ngokurhweba nge-broker-service broker, apho inkonzo efanayo iya kuhlawula phakathi kwe-$ 5 kunye ne-30 kwi-intanethi kunye ne-broker discount.
Abathengi bentsebenzo esigcwele nabo bahlawula iindleko zenkonzo zonyaka okanye iintlawulo zokugcina kwi-akhawunti yakho. Eyona nto inokuphazamisa, kuba abaninzi abanomthengisi wenkonzo epheleleyo bafumana ii-commissions rhoqo xa beqhuba urhwebo kumthengi, imbuyekezo yabo ixhomekeke ngokuphindaphindiweyo ukuba bathenge kwaye bathengise iifowuni kwi-akhawunti yakho. Abo bangabalulekanga banokuthenga kunye nokuthengisa izitokethi kwiakhawunti yakho kungekhona ngenxa yokuba isigqibo sisilumko, kodwa ngenxa yokuba iinzuzo kumthengisi zikhulu.
Oku akuthethi ukuba akufanele usebenzise umthengisi, kodwa ukuba ukwenza, ngena kuwo amehlo akho evulekile, uhlolisise umthengisi, kwaye ungalokothi unike umntu i-blanche yecardche ukutshala imali yakho.
Abathengi Abathengi: I-DIY yabaTyalo-mali abanamava
Ezinye zezinto eziqhekezayo izicatshulwa zeentengiso zi-E-Trade Financial Corp, i-CapitalOne Investment's ShareBuilder, u-Investment Fidelity, u-Charles Schwab Corp, kunye ne-TD Ameritrade. Abathengisi bemivuzo bavame ukwenza ingqiqo kumtyalo-mali oqhelekileyo kuba banokuhlawuleka kakhulu, kwaye ukuba ufuna ukwenza izigqibo zakho, umthengisi wezaphulelo angaba yindlela eya kuyo.
Ngaphambi kokuba ubhalise, qiniseka ukuba umthengisi usebenzisana nohlobo lotyalo-mali oceba ukuzenza ( amasheya , amabhondi , iimali eziphathekayo , iinketho, okanye nayiphi na into enokuba nayo). Hlola ishedyuli yemirhumo ukuze ufumane oko uza kuhlawula iikhomishini, ukugcinwa kweakhawunti kunye nezinye iimrhumo.
Kwakhona, jonga uluhlu lwezinye iinkonzo ezinikwe ngorhwebo. Ezinye zazo zingabalulekile kuwe, ezifana nokukwazi ukubhala ukuhlola kwi-akhawunti yakho, ukukwazi ukwenza amashishini phezu kwefowuni, okanye ukufumaneka kolwazi lophando malunga neempahla ezihlukeneyo, izibophelelo kunye neemali ezihlangeneyo.
Ukuvula iAkhawunti yeRhafu
Emva kokuba ukhetha i-brokerage, ingaba iyinkonzo epheleleyo okanye isaphulelo, khuphela ifom yesicelo kwiwebhsayithi ye-broker uze uyithumele ngetshekhi, okanye uzalise kwi-intanethi. Ukuba uzalisa iifom kwi-intanethi kwaye usebenzise inkxaso-mali ye-elektroniki ukuthumela imali kwi-akhawunti yakho entsha, unokuthengisa utyalo-mali ngosuku olufanayo.
Imirhumo-mboleko ingadinga ibhalansi encinci kuyo yonke indawo ukusuka kwi-500 ukuya kwi-2,000. Ukuba uvula i-IRA, banokuyeka umlinganiselo osisiseko.