Imali ayikho kuphela iikhomishini.
Abacebisi-Bayi-Advisors kuphela abanomgangatho oqhelekileyo we-Fiduciary
Abacebisi abodwa beemali, okanye abacwangcisi bemali-kuphela abahlawulwa ngemali, phantse bahlala bebenza njengama-fiduciaries.
I-fiduciary kufuneka isinike ngokusemthethweni iingcebiso ezithandwa ngumxhasi wabo.
Uya kucinga ukuba bonke abacebisi ngezezimali baya kufuneka ukuba banikele ngcebiso ekulungele umdla wabo-kodwa oko akunjalo. Ubuninzi beli shishini leengcebiso zezezimali "linomgangatho ofanelekileyo." Ukufaneleka kuthetha ukuba isincomo sifaneleke ngokubhekiselele kwiimeko zakho zezimali kunye neenjongo - kodwa ukuba omnye umkhiqizo ukhokhela umcebisi ngaphezu komnye, kwaye bobabini bafanelekile, banokuncoma umkhiqizo ohlawula ngaphezulu nangona kungenakukukhetha okulungileyo kuwe ezi zinto zimbini. Buza umcebisi onokuthi ngaba unomthwalo wecala lolawulo okanye umgangatho ofanelekileyo. Ufuna impendulo ibe yi-fiduciary.
Ukuqala ehlobo konyaka we-2017, ngenxa yomthetho omtsha weSebe lezeMisebenzi othiwa yi-Fiduciary Rule, umgangatho wesigqibo ungafaka isicelo kubo bonke abacebisi ngezezimali abacebisa iingcebiso malunga neengxelo zomhlalaphantsi.
Lo mgaqo omtsha wokubambisana, nangona kunjalo, awuyi kusebenza kwiingcebiso ezibonelelwe ngotyalo-mali obanjwe ngaphandle kweakhawunti yomhlalaphantsi. Oko kuthetha ukufumana umcebisi onokunika isiluleko kwimpumelelo yakho, uya kufuneka uyenze umsebenzi wakho wesikolo.
Ngaba Abacebisi-Bodwa Abacebisi bahlawulwa njani
Umcebisi-mali kuphela ofumana imali-mali akanakufumana impindiselo evela kwenkampani ye-brokerage, inkampani ye-fund, inkampani yomshuwalense, okanye nayiphina imithombo ngaphandle kwakho.
Bamele wena kunye neminqweno yakho xa kukunika iingcebiso. Ndicinga ukuba kunengqiqo ukufuna abacebisi-kuphela abacebisi, emva koko, cingisisa malunga nalapho uhlawulelo lomntu luvela khona, kwaye oko kuya kukuxelela ngokuthe ngqo ukuba ukuthembeka kwabo kulalaphi.
Umcebisi-kuphela umcebisi unokufumana ireyithi esekelwe kwipesenti yezinto eziphathekayo ezikuphathele zona, kwaye ngaloo ndlela ihlawulwe kwi-akhawunti yakho nganye kwikota, okanye ingaba yintlawulo yonyaka, okanye ireyithi yehora.
Abanye abacebisi ngezezimali basebenzisa igama elithi "umrhumo-mali" ukuchaza indlela abahlawula ngayo inkonzo zabo. I-based based fee ayikho into efana neye "kuphela-ntlawulo."
I-Based Based Fee Ayikho Efanayo Njengee-Fee-kuphela
Umcebisi wezezimali-based based can receive the fees paid by you, and commissions paid to them by a firm brokerage, inkampani yenkampani yomxhaso, inkampani yomshuwalense okanye utyalo-ntsebenziswano. Ezi ntlawulo kufuneka zivezwe kuwe.
Abacebisi abaninzi abasebenzisa igama elithi "inkokhelo-mali" batusa into ebizwa ngokuba yi- akhawunti ephethwe . Utyalo-mali olunikezwa ngaphakathi kule akhawunti elawulwayo lunokuhlawula izikhuthazo kwiinkampani umcebisi osebenzelayo, oko kuthetha ukuba akuyi kuba nenjongo njengoko ibonakalayo.
Nangona bobabini abacebisi ngezezimali kunye nabathengi-mali abanokuthi banakho ukulawula apho bahlawula ipesenteji yeefa, utyalo-mali abalubeka ngaphakathi kule akhawunti luyahluka kakhulu.
Abacebisi bezezimali kuphela beemali abanomthwalo wokuzikhethela ukukhetha utyalo-mali olunomdla wakho. Ngokuqhelekileyo basebenzisa utyalo-mali oluneendleko eziphantsi zangaphakathi, ezinjengeengxowa-mali ezingekho mthwalo, iimpahla kunye nezibophelelo; utyalo-mali olungenawo 12 (b) iirhafu ezi-1.
Kungakhathaliseki ukuba bahlawulwa njani, abacebisi bezemali bahluke kwiinkonzo zabo. Abanye banikela kuphela ulawulo lotyalo-mali, ngelixa ezinye ziquka ucwangciso lwezemali njengenxalenye yomnikelo wazo, kwaye ezinye ziyingcali, njengalezo zizodwa ngokucwangcisa umhlalaphantsi. Kubalulekile ukugqiba uluphi uhlobo lweenkonzo eziyimali ozifunayo ukuze wazi ukuba uluphi uhlobo lomcebisi ukuba alukhange.
Kuphi ukufumana uMcebisi-kuphela nguMcebisi
Abacebisi abaninzi beemali-mali kuphela be-association ebizwa nge-NAPFA, uMbutho weSizwe we-Advisors wezeMali.
Abacebisi banokuthi bajoyine i-NAPFA ukuba ngaba ngabacebisi bezezimali kuphela. I-NAPFA inikeza into yokukhangela kwiwebhusayithi yakho ongayisebenzisa ukufumana umcebisi-kuphela umcebisi osondeleyo kuwe.