Nheyo Yenheyo kuAset Management Firms uye Maitiro Avanoshanda
Vanhu vazhinji havana kunzwisisa kwakadzama kwebhizimisi rekutengeserana kwemafaji kana emabhizimisi ekutsvaga semari. Zvinosuruvarisa, pane zvakare kazhinji kuparadzanisa kukuru mune ruzivo, ruzivo rwakakwana, uye ruzivo pakati pezvakanaka-zvakanaka uye vashandi vekutsvaga, avo vanowanzotadza kutoziva zvose zvingangobatsira nzira yekugadzirisa mari iripo.
Kunzwisisa mabhizimusi kunogona kukubatsira iwe kuti uite zvisarudzo zvakajeka paunotanga rwendo rwako rwekutsvaga, nekukubatsira iwe kunzwisisa nheyo dzekambani yekuchengetedza makambani inofananidzwa nekuenzaniswa nevarongi vezvemari uye nevamwe vauri mazano.
Ndeapi Asset Management Companies Do
Makambani ekuchengetedza mararamiro anotora mari yezvemari uye anoiisa kuti ishande mune zvikwereti zvakasiyana-siyana zvinosanganisira mashizha , zvisungo , dzimba , tenzi mashomanana, kubatana kwevanhu, uye nezvimwe. Vanoshandisa zvikwereti zvichienderana nehurongwa hwemukati wekutsvaga mari , kana kushandiswa. Makambani akawanda ekutarisira masimba anorambidza mabasa avo kune vapfumi, mhuri, uye masangano nokuti zvinogona kuva zvakaoma kupa zviitiko zvinokosha uye zvinobatsira pamutengo unokonzera zvakakwana mari yekushandira vashoma varairi.
Vafari venyika vane pfuma vane chii chinonzi "mabhuku evanomwe." Vanowedzera mari munyaya yacho, mune dzimwe nguva kune avo vanochengetedza chikamu chechitatu , sekambani inotarisira imwe Retirement Retirement Account (IRA) kwavari, uye vatariri vemapatotikoti vanotarisira chikwereti chekodhidhi kumushandi achishandisa simba risina gweta.
Mafaja eAsset anoshanda nevatengi vemapatotikiti kuburikidza nokuongorora mhando dzakasiyana-siyana, kusanganisira mamiriro ezvinhu akasiyana-siyana emutengi, dambudziko, uye zvaanoda. Mamija emapurisa anosarudza nzvimbo dzakagadziriswa nekuda kwezvinodiwa nemari yemutengi, mutero mamiriro, zvinotarisirwa kuita zvemari, mararamiro uye tsika dzakanaka, uye nhoroondo dzepfungwa dzako.
Makambani ekumusoro-soro anoita kuti vatengi vese vafunge, vachiwanzopa ruzivo rwechokwadi. Hazvisi zvisizvo kune varairi vepfuma kuti vashande pamwe nehurumende yekusimudzira sangano ramusati wambozvinzwa, nehukama hunogara huripo kwezvizvarwa sehupfumi huri kuendeswa kune vagari venhaka. Nzvimbo dzakasiyana-siyana dzemakambani ekufambisa iyo yakawanda yeAmerica yakanga isati yazvinzwa inowanzoonekwa kune avo vari kumusoro 1 muzana maererano nehupfumi.
Mari yekutsvaga mari inowanzoenda kune imwe nzvimbo kubva pane zvishoma zvishoma kusvika kune chikamu chikuru chezvikamu zvakagoverwa pamusoro pechibvumirano-chibvumirano chebhuku, uye zvinotarisa pane zvakashata zvepodfolio. Muzviitiko zvizhinji, makambani anotengesa mari shoma yemari yegore, yakadai se $ 5,000 kana $ 10 000 pagore, kubatsira rubatsiro rwevatengesi vashomanana izvo zvisingashandisirwe zvakanaka nekambani. Makambani mashomanana ekugadzirisa mararamiro ane mari shoma yemari yegore kubva ku $ 100,000 kusvika ku $ 1,000,000.
Asset Management kune Munhu wese
Mahofisi akawanda ekutengeserana emari ave achigadzirisa zvakare kuwedzera zvipo zvavo uye zviri nani kushandira vatengesi vashoma. Mazhinji emakambani aya anoshandisa zvivako zvakadai sekubatana kwemari , mari yekuenzanisira , kana mari yekutsinhanisa-yekutengesa , iyo yavanogona kugadzirisa mune imwe yepodfolio.
Vashandi vashomanana vanogona kuisa mari zvakananga kana kuburikidza nemutevedzeri seimwewo mupi wezvikamu zvekutsvaga kwekutsinhanisa kana wezvigadziri zvemari. Semuenzaniso, muIndaneti Robo-Advisors dzakadai se Wealthfront uye Betterment channel mari muzvivako izvi zvakakonzerwa zvinotungamirirwa nekambani yezvematongerwo enyika ekuchengetedza masangano, kuburikidza nekurumbidza mararamiro emitengo yakagadzirwa nemari yavo.
Vanguard, imwe yemakambani makuru ekutarisa masangano munyika yose, inotarisa kune vashandi vashoma-uye vari pakati-kati vane zviyero zvemari zvingangodaro zviduku kune mamwe masangano. Vanguard muganhu wekugovera muzana wekambani yekubvisa mari yaingova $ 29,603 chete, zvinoreva hafu yevashandi vavo nekambani yekubvisa mari yakanga yakawanda kupfuura iyo, uye hafu yakanga isina zvishoma.
Kubva pane zvinyorwa zvekushandisa maonero aya aya maduku mashoma, uye Vanguard ari kuita basa rinokosha rinowanikwa kune vashandi vasingakwanisi kuvhara mari shoma pane mamwe mapoka ekuchengetedza masangano ega kana kunyange kumatare emabhishopu emadhipatimendi .
Iva vashandi havana mari yakaoma yekutsvaga mari kana hupfumi hwakawanda kunetseka pamusoro pezvinhu zvakadai sokugadziriswa kwezvinhu kana nzira dzakadai sokushandisa kushandiswa kwemitero yakasiyana-siyana pamasisita ehurumende nemabatanidzwa ehurumende kuburikidza nekuisa imwe mune imwe nzvimbo yekambani uye kune imwewo nzvimbo.
Pane kudaro, vashandi vashomanana ava vangangotenga $ 3,000 inokosha yeVanguard S & P 500 index index . Mari iyi inotevera mitemo yakatarwa neS & P 500 komiti , kutora zvikamu zvezvikwata zvakadai seApple, Microsoft, General Electric, uye Chevron kuti mari yacho iite zvisina kururama. Hapana kuchinja kwechokwadi, asi kunobvumira vateereri ava kuti vashandise muhurukuro pasina mari yakawanda yemari.
Dzimwe makambani anosanganisa zvipo zvebasa kune vese vatengi vane pfuma uye vatyairi vane mamwe mapuritoriki akawanda akaenzana. Semuenzaniso, JP Morgan ane purogiramu yega yega yekambani yemakambani kune yepamusoro-yakakosha vatengi, asiwo inotsigira mari pamwe chete nezvimwe zvikamu zvekutsvaga mari kune varairi venguva dzose vanowanzobhadhara kuburikidza neurongwa hwavo hwemari kana chirongwa chekurega basa kubasa.
Imwe kambani, Northern Trust, ine bhizimusi guru rekutengeserana kwebhizimisi asi inewo bhangi, trust company, uye pfuma yekuita tsika. Zvakaoma kutaurira mapoka kunze kana iwe usingazivi nekambani yekugadzira kambani; izvi zvakaitwa nekugadzirwa kuitira kuti kambani ionekwe kupa vateereri zvakakwana, zvose-mune-imwe sarudzo.
Sangano reAsset Management Companies rakasiyana sei nevatengesi vezvemari
Imwe Financial Industry Regulatory Authority (FINRA) inobvumira vashandi vekutsvaga kwekutsvaga kwekutsvaga kuti vazviti ivo vapeki vezvemari, kunyange zvazvo vakaita zvinhu zvakasiyana zvakasiyana uye vanoita mabasa akasiyana zvakasiyana kune vateereri:
Brokers
Vabvunzi
Attorneys
Vagadziri veMari
Inishuwarenzi Agent
Investment Advisors
Uyezve, chikamu chekupedzisira, varairidzi vekutsvaga mari, rinoreva mahofisi anonzi " Registered Investment Advisors ." Mazhinji RIAs, sezvaanozivikanwa, anopa mazano kune vateereri vavo asi anongorongedza maitirwo emari ekutengeserana kweboka revatatu rezvematongerwo emasangano, zvichida kuburikidza nekambani yakabvunzurudzwa yega yega kana kuti mutengi achitenga mari yekutengeserana kwekambani inobhadharwa, ETFs, kana kuenzanisa mari.
Uyezve, makambani akawanda ekutengeserana emari anoshandiswa seRIAs. Nokudaro, vanoshanda sevatungamiri venyika mbiri uye "varairidzi vekutsinhanisa," kana vadzidzisi vezvemari, sezvo FINRA ichivabvumira kuti vadanwe, asi haisi iyo imwechete yemabhizimisi emhando.
Mune mamwe mazwi, nenzira imwe chete iyo vashandi vepfungwa dzose ndivo vanachiremba asi havasi vanachiremba vese vanovhiya mwoyo, avo vatengi veasset vanowanikwa mazano kuvaridzi asi asi vese varairidzi vekutsinhanisa ndivo vatungamiri veasset.
Makambani makuru makuru ekutengeserana ekupedzisira anoguma achibhadhara vadzidzisi vavo vezvemari, avo vasingatungamiri zvinhu zvakananga. Aya mazano anotora vatengi uye anovaisa muzvinhu zvekutengesa zvigadzirwa zvezvinhu zvakasiyana-siyana nemashandiro, zvichida vachishandisa kugoverwa kwemafaji kubva pane software software kana mukati memahofisi epaefset allocation guideline.
Kushandisa Vanguard zvakare, ndiyo yokutanga uye yepamusoro yekambani yekugadzirisa kambani. Zvisinei, munguva pfupi yapfuura kambani iyi yakatungamira mune zvekugadzirisa zvemari kune vashandi vane mari shoma shoma (zvishoma zvari iye zvino $ 50,000). Muteereri anobhadhara Vanguard vapeiri mari ye 0.30 muzana yebasa racho.
Ava vauri mazano vanoita mari yekwereti mumhuri yeVanguard yemari inobhadhara mari, iyo inoshandiswa kwekutengeserana kwemari inoshandisa mari yekutengesa mari. Vanguard inokwidzawo mari yakawanda nokuda kwebhizimisi rekutengeserana kwenyika kuburikidza nekuwana vatsigiri vemazvikokota ekutsvaga vatengi vavo kuti vashandise mari yeVanguard kuburikidza nevechitatu yezvekweretheni nekubhadhara mari. Uyezve, Vanguard ine dhipatimendi rekuvimba iyo inogadzira mitauro yakasiyana-siyana yevatengi.
Chii chinoparadzanisa Asset Management Companies kubva Pamwe Chete
Imwe yega yefasi yekusimudzira firm ine nzvimbo yaro yekuziva. Vamwe vari vatungamiri vevanhu, kazhinji makambani makuru anoshandisa mari yemari kana zvigadzirwa zvavanofunga kuti vatengesi vachazowedzera mumusika. Mamwe mapikisi ane chinangwa chakanyanyisa, kuisa pane imwechete kana kuti zvishoma zvese zvakadai sekushanda pamwe nevamwe venguva refu varairi vanofunga mukukosha kwekutsvaga kana kusasimudzira mari yekutsvaga.
Mamwe mapikisi anongobhadhara vatengi vane hupfumi kuburikidza nemakambani ega, anozivikanwa semakambani akazvimirira , kana hedge funds . Vamwe vanongotarisa chete kutanga mutual funds, uye vamwe vanovaka tsika yavo mukuronga mari kune zvikwata kana masangano ekurega mari, zvakadai semakambani emapenjeni emakambani. Pakupedzisira, mamwe makambani ekugadzirisa mararamiro anopa mabasa avo kune mamwe makambani, zvakadai sekugadzirisa zvinhu zvepfuma uye kuurawa kwekambani yveshuwarenzi.
Mararamiro Akasiyana-siyana
Nyatsoteerera kuti makambani akasiyana-siyana ekugadzirisa mararamiro uye varume nevadzimai vanoparadzira mishonga nemishandira panzvimbo yavo, vanowana mubhadharo. Nzira dzakawanda dzebhizimisi dzakasiyana dziripo mune zvekutengeserana kwenyika uye kwete dzose dzinobatsira zvakaenzana kune mutengi. Semuenzaniso, mari yekutengeserana inogona kuva ne575 muzana yekutengesa mutoro, iyo inouya kubva muhomwe yevatengesi, uye iyo inopa mutual fund salesmen kana mutungamiri wezvemari yekuisa muchengeti mune mari iyoyo.
Zvichakadai, bhizimusi rekutengeserana kwebhizimisi pacharo rinowana mari yekubata kwegore negore, iyo inotorwa kubva pane zvakakonzerwa. Muzviitiko zvemakambani akabatanidzwa uko kushandiswa kwemari kune imwe yebhizimisi pasi pebasa rekusungirirwa kwemari, iyo inotengeswa mari inoshandiswa inogona kunge iri pasi kudarika iwe waungatarisira asi firimu inogadzira mari mune dzimwe nzira, sekubhadhara mari yekubhadhara mari nemakomisheni.
Mune imwe misiyano yakasiyana-siyana, makambani haakwanisi kubhadhara mari yepamusoro yekubhadhara mari kana kumisheni asi, pane kudaro, inotora mari yakakwirira pane mamwe mishonga kana mashumiro, kuti vanoparadzanisa pakati pevadzidzisi uye yekambani yehutano hwehupfumi hwavo.
Pakupedzisira, "mahomwe-chete" mapoka emasangano ekutungamirira mapoka makambani anongotora mari kubva kuhutori hwemari inopihwa kune muchengeti, panzvimbo pemakomisheni kana mhosva dzinobatanidzwa nemiti yakasiyana-siyana. Vazhinji vatengesi vanofunga kuti izvi zvinoita kuti hurumende iwedzere kusarudzwa mukusarudza michina yekutsvaga uye mazano zvakanyanyisa kune zvinodiwa nevatengi, panzvimbo yehuwandu hwemari kana mishoni yakagadziriswa yekambani.
Iko Asset Management Account yakabatana neAsset Management Company
Kana ukashanda nedzimwe sangano rezvemari, kusanganisira mamwe mabhengi ega, iwe unogona kunzwa nezvekambani yekugadzirisa sarudzo . Iyo yakagadzirirwa kuva iyo yose-mu-imwe nhoroondo, kubatanidza kuongorora, kuponesa, uye kubhadharisa. Iwe unogona kuisa mari yako, kubhadhara chikwereti pairi, kunyora cheki kana zvichidiwa, kutenga zvikamu zvezvikwata, kuisa muzvisungo, kuwana mari pamwe chete, nezvimwe zvivimbiso zvose kubva kune imwe, iyo nyaya yepakati. Muzhinji, asi kwete ose, mhaka, nhoroondo yacho inonyatsochengetedzwa nemutungamiri wepodfolio yematunhu.
Kazhinji, mari inogona kukumhanyisa pakati pe1,00 muzana uye 2.75 kubva muzana, zvichienderana nebasa rako rekuita asi iwe unogona kuwana zvimwe zvikomborero nekodhi inoita chero chisingaiti chinopindirana nechiratidzo chinogona kukosha iwe nguva.
Semuenzaniso, mamwe mabhange achakubvumira kuti uite mari yakabhadhara zvikwereti kune chekuchengetedzwa kwekambani yekuchengetedza kwemafasi yako pazvinhu zvakanakisa zvekutengesa, kana iwe ukawana kunze kwemukana wekutsvaga wekutsvaga unoda kudiwa nokukurumidza. Dzimwe nguva makambani achagadzirisawo mamwe mabasa, zvakadai semishuwarenzi, kuitira kuti iwe uchengetedze mari nekutenga mamwe michina kubva kune imwe kambani.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.