Maitiro Avanoita uye Nei Vashandi Vanoshandisa Kushandisa Kutarisira Mari
Chii, chaizvoizvo, iwe unogona kubhadhara dhipatimendi rekutenda kuti riite? Zvinodhura zvakadini? Sei mabhengi aya ari pakati pemataundi epurazi ane vanhu vashoma vanopa ruzivo rwebasa iri kunze kwekuti vanhu vari kuvashandisa?
Izvo zvose mibvunzo yakanaka. Ndinoda kutora nguva kuti ndivapindure uye, ndinotarisira, kuwedzera chigadziro cheunyanzvi hwako hwokutsvaga hunogona kukubatsira iwe pane imwe nguva mune ramangwana.
Mhedziso Pfupfupi yeBan Trust Trust
Bank trust madhipatimendi ndeimwe yekare kare uye yakasimbiswa nzvimbo dzebhengi. Vashandi vebazi rebhankoni vanogona kusanganisira mumiririri webhizimisi mudiki mumuguta anoda kuisa mari yevana vake kuti vaende kuchikoroji, nherera dzakarasikirwa nevabereki vavo uye iye zvino dzine inshurensi yehupenyu hwehupenyu, kana munhu asina simba akakomborera kugadzirisa kutevera njodzi. Kutarisira madhipatimendi kunogona kuva nemhosva yekuita kuti mabhizimisi eJohnson & Johnson akatengwa neAinini Mukuru Betty zvizvarwa zvishomanana zvakapfuura vachiri kubhadhara chikamu kune avo vaduku vemhuri, kana vasingambovabvumi kutengesa nzvimbo kana kukwereta kune zvikamu.
Vanogona kushanda kuti vatsigire mudzimai wechipiri anobvumirwa kugara mumba mushure mekufa kwemurume wake, asi kuti imba pachayo inoenda kuvana kubva kumuchato wokutanga apo wechipiri mudzimai anofa, kunyange kana akazoroora kana kuroorazve pfungwa dzake .
Kazhinji, bhagheni inopa hurumende pasi pemasula maviri makuru: 1.) Trust Trust uye 2.) Investment Management.
Ngatitorei nguva kuti tikurukure mumwe nemumwe.
Trust Administration Services
Apo iwe uchitsvaga bhandi rekuchengetedzwa kwebhanhire rekuchengetedzwa kwematare ehurumende, zvinyorwa zvebvumirano zvichasiyana kubva munyaya kuenda kune imwe nyaya. Kazhinji, inogona kusanganisira:
- Kuva nedhipatimendi rebhanki rekushanda kunoshanda semutongi wega chete kana mutevedzeri wekodzero pamwe chete nemumwe munhu wemumhuri akatendeka kana shamwari kana achisarudza zvisarudzo maererano nemabhuku ekutonga. Kakawanda, iyi mitero ine zviuru zvuru zvemadhora pagore, kutanga pamadhora madhora 2 500 pamubhadharo wekutenda.
- Kudzinga cheki uye pfuma maererano nemitemo yekutendwa, kuve nechokwadi kuti vashandi vanowana zvinhu izvo munhu anopa rubatsiro aida panguva yaaida, nenzira yaaizobvumirana nayo. Izvi zvinogona kusanganisira kubhadhara zvikwereti zvemhuri, kutema cheki kuenda kuyununivhesiti yebhazidzo, kutenga imba, kutengesa mari chaiyo, kana chero imwe mirayiridzo inotenderwa.
- Kutarisira kuchengetedzwa kwekuchengetedzwa kwekuchengetedzwa kwekuchengetedzwa kwekuchengetedza uye kubvisa kuitira kuti kunyange kunze, vatungamiri vekutsvaga vatatu vezvematongerwo enyika vanofanira kupa zvidhori zvezvitoro, zvinyorwa zviito, zvisungo, nezvimwe zvinhu kumabhangi kuti varambe vakachengeteka muchivako.
- Kudhinda mitemo yehurumende uye yehurumende yekutenderera pachake, iyo inobatwa sechimiro chechimiro chayo neyoyo nhamba yechiratidzo.
- Zvipikirwa zvakadai sehushuwarenzi yehutano kuvimbiso yekuchengetedza zvinhu zvakabatanidzwa muchiitiko che kurasikirwa.
Mamwe makambani, akadai saEdward Jones, anopa kuvimba kwehutano mazano pane imwe nzvimbo yakawanda. Kuti aratidze, Edward Jones akatengesa madhora mazana matatu ekubhadhara mutero kunyoresa, $ 12 500 imwechete-nguva yekuchengetedzwa kwemari uye kugoverwa kwemari pakusika kwe trust trust, $ 1,500 pamutengo wekutengeserana kwemazita kune dzimba, $ 3 750 pamutengo wekutengesa zvemaimba, nezvimwewo.
Kutendeseka kutungamirirwa kunogona kuita kuti pfungwa yakawanda kune munhu anoda kusiya nhengo chaiyo uye kuti igare isina kunyanya kuwanikwa. Funga nezveguta reQuincy, Florida. Bhenji reko rine mazana makumi mashanu emakumi mashanu emadhora ezvitendero muzvikamu zveThe Coca-Cola Company nokuti musha muduku wakambova nemamwe mamiriyoni eve Coke kune dzimwe nyika pane imwe nyika.
Izvi zvakaitika nokuti muma1920 nema1930, mubhengi, Pat Munroe, akasarudza kuti aifanira kuvimbisa vateereri vake, shamwari, uye vanozivana kuti vatenge zvikamu zvemuhombe mukuru wewaini sezvo zvaifambisa kuburikidza neHuruku Hurefu hwakanaka. Akatoenderera mberi kusvika kunyora mabhengi ebhengi kune avo vaaiziva kuti aigona kubhadhara mari yacho, achivakurudzira kuti vatore danda ravo raizopfuura kuburikidza nezvizvarwa, sezvavaida bhizinesi rega.
Mhuri, dzichikura dzakapfuma kubva kune mugove weK Coca-Cola uye mari uye zvikwereti, yakapfuudza kuenzanisa pasi kuburikidza nemhuri, vabereki kuvana, vana kuvazukuru, vazukuru kuvazukuru-vazukuru. Nokuda kwezvimwe zvezvivimbo izvi, basa rekutanga remutungamiriri wekutenderera ndezvekuunganidza zvikamu, ega kuti vanobhadhara kune avo vanowana zvikodzero, uye vanoisa mutero wekudzokera. Kune vashomanana, kana pane, mari inosarudzwa inosarudzwa inobatanidza saka hukama hwehutungamiri ndihwo hunodiwa.
Kuvimba kwehutungamiri hutungamiri hunogonawo kushandiswa kune imwe nzvimbo yepfungwa. Fungidzira iwe unyore inobudisa nhamba yakanakisisa. Pamusana pekuchinja kwemurairo wekodzero muUnited States, muridzi wekodzero iyi inopihwa kwemakore makumi manomwe apfuura zuva rawakafa. A trust administration urongwa hunogona kusanganisira mutasitiri kubhangi kuunganidza zvigaro zvako uye zvino kuvabhadhara kunze kwezvaunoda kunyora zvakanyatsodiwa. Nenzira iyo, vana vako kana vazukuru havagoni kutengesa kodzero, vanorasikirwa nepamusoro-stakes game ye poker, kana kuti zvimwe vanoitora.
Investment Management Services
Dzimwe nguva, kuvimba kwekuchengetedza mari yehutano hazvikwani. Kana uchida kana kuti uchida bhandi trust yedhipatimendi kuti uite zvisarudzo zvekutsvaga, kuisa iyo trust fund assets kushanda, unofanirwa kubhadhara mabasa ekuchengetwa kwekutsvaga kwekutsvaga kwepamusoro pamusoro pekutendwa kwemashumiro ehurumende.
Apo iwe unobvumirana nebazi rekuchengetwa kwebhangi kuti upe rubatsiro rwekuchengetwa kwekutsvaga kwekutsvaga, huchabata zvinhu zvekutendesa, kuisa mari uye kugovera zvinhu maererano nemabhuku ekutenda anotsvaga zvavanoda uye zviremera. Zvichienderana nezvakaitwa nehutano, mahofisi akawanda ekuchengetedza mabasa anotengesa pakati pe1% uye 2% yematengo emari pagore, anowanzotorwa muzvikamu zvenguva pfumbamwe, uye zvishoma nezvishoma mari yepamusoro yakatarwa pane imwe mutengo inofanana nekombiyuta kukura mutungamiri anoda kukoka.
Somuenzaniso, kare muna 2014, kutanga ukama hwekuchengetwa kwemari, Vanguard, iyo iri pakati pemakambani ekutsigira mari yakaderera mumabhizimusi nhasi, akatengesa mari ye 0.7% pa $ 1 000 000 yekutanga muzvinhu, uye zvishoma nezvishoma mari yegore rose ye $ 4,500 uye huwandu hwekutendwa kwema $ 500,000. Imwe $ 1 000 000 inotevera inotambirwa chete ne3.3%, uye chero chiyero chepamusoro pe $ 2,000,000 chokutanga chinongova 0,20% chete. Iwe unogona kubhadhara mari isina kukwana chero ipi zvayo yeVanguard mutual mari yakachengetwa muhofisi yemapurisa kuburikidza nehuwandu hwemari yekubhadhara mari .
Vazhinji vebhankoni yemadhipatimendi vanozobatanidza kuzvikwereti mumasikirwo emadhaka ezvakadai sematokisi, zvisungo, zvivako, mari, uye mabhizimisi ega. Kuti udzokere kuVanguard, kana iwe uchizosiya $ 500 000 mune chivimbo chevana vako, vose vari mari kubva muhushandi hwehushandi yemishonga, vashandi vehutano hwekutsvaga mari vanogona kunge vachizovaka zvakasiyana-siyana zvekusungirirwa zvinorehwa kuti zvibvumire kuchengetedzwa kwakachengeteka ; gilt-edged zvisungo, bluu chip stocks , zvichida zvimwe REITs , mashoma mabhiridha emari.
Mamwe mabhanki trust madhipatimendi anoshandisa mune mamwe marudzi emafumi, ane ruzivo mune dzimwe nzvimbo. Semuenzaniso, muTexas, zvingasava zvisiri zvekutenda kunosanganisira kodzero dzemombe kana mafuta. MuIyo Iowa, purazi rese yekushanda inogona kuiswa mukutendwa kusvikira mwana wechidiki achiuya akwegura nebhangi rinoshandisa zvibvumirano zvekugoverana kuti zviwane zvakanakisisa kudzoka zvinogona kuwanikwa. MuNew York, mupfumi ane ruzivo rwekuuya kwezera angave ane chivakwa chemba rese kana zvisinganzwisisiki zvekushambadza zvakaiswa mukutendwa. Mari inoshandiswa iyi yese inoshandiswa esoteric inogona kunge iri yakakwirira sezvo ichibatanidza hukuru hwezuva nezuva. Iwe unogonawo kuunganidza makambani ekugadzirisa mashomanana emari yekambani yekugadza kwekutsvaga, saiyo inonyanya kukosha kuisa mari.
Kurairwa kwehupfumi hupi hupi hwakapiwa nebhankoni yematare ehurumende kakawanda hunochengetedza zvikuru kana uchienzaniswa nehutano hwekugadzirisa kwekambani yekambani yekubhadhara sezvo vatungamiri vari kuita sefiduciaries. Nokudaro, vanofanira kunamatira kune avo vanonzi "Prudent Man Rule", iyo inobva kumakore anenge mazana maviri emhosva muMassachusetts inonzi Harvard College v. Armory . Mutongi iwoyo unoda madhimoni, "kuchenjerera kuti varume vakangwara, kungwara, neuchenjeri vanoita zvinhu zvavo pachavo, kwete maererano nekufungidzira, asi maererano nekugara kwenguva refu kwemari yavo, vachifunga nezvekuwana mari inogona kuitika, pamwe chete nekuchengetedzwa kwakachengeteka yeguta guru rinofanira kuiswa. " Zvakataridzirwa kuwanda kwemutongi mutongi aizodai kana avo vanobatsirana vachivatsiura nekuda kwerasikirwa, vashoma vatevedzeri vezvematongerwo enyika vanoda kuita mari inotyisa iyo inoswedera pedyo nemuganhu kana ichibata nezvinhu zvakachengetwa mukutendwa. Izvo zvine mhosva.
Nzira Yokukwereta Dhipatimendi reBan Trust Trust
Kana iwe uchida kudzidza zvakawanda pamusoro pemari yebazi rimwe rebhandi rekuchengetedza, iwe unofanirwa kutaurirana nekambani uye kukumbira purogiramu yavo yekubhadhara. Mazuva ano, vazhinji vanogona kuwanika paIndaneti. Kushandisa iyo, unofanira kukwanisa kuwana pfungwa yakaipa yemari yakawanda yaunoda pane kuvimba kuita imwe nzvimbo inoshandiswa mari inoshanda.
Kune avo varikugadzirira chikwereti chekuvimba uye vanoda kubatsirwa kusarudza kuti ndeipi yekodzero yekambani yekambani yekubhadhara, verenga Mibvunzo Maviri Yekubvunza Kana Pachisarudza Murasi weTrust Trust yako .