Kunzwisisa Global Custody Accounts uye Mari
Ndeupi Mutemo Wenyika Yose uye Nei Vatengi Vanofanira Kuchengetedza
Apo iwe unotenga chikwama, chisungo, kana kumwe kumwe kuchengeteka, mutengesi weunosarudza anoita chirwere. Inobata mapepa, inonyora zvinyorwa zvemutengo wakabvumirana pakati pemapoka, uye inoronga kugovana mari nokuda kwechikwata chezvitoro (kana, mazuva ano, kuiswa kwepakombiyuta) pamabhuku ehurumende kuburikidza nehutano wekutumira unoratidza kuti iwe zvino uri wega iyo yefa.
Kazhinji, mishonga inogarwa mumazuva matatu ebhizinesi pano muUnited States. Izvozvo zvinoreva panguva yakatarwa, iwe unofanirwa kuratidzira chikamu chako chechibvumirano - munyaya iyi, mari yemvura kuti upedze kutenga - uye mutori wepamberi anofanirwa kuratidza chikamu chechikamu chacho kuendeswa kune zita rako. Kukundikana kutumira kana kugadzirisa kunogona kuguma nemitengo, mari, uye matambudziko nemitemo inotungamirira.
Vashandi vashomanana havaiti izvi zvakanyanya kufungidzirwa nekuda kwekutengesa zvikwama zvemabhizimisi zvemabhizimisi zvinenge zvese, zvisingaiti, kuchengetedzwa kwevanhu vaviri pamwe nemabasa ekuuraya.
Kana iwe ukaisa $ 10 000 mune imwe nhoroondo pamutengo wekutengeserana seE-Trade, iwe unoisa mari mumari yako yekutengeserana, pinda mukutengeserana, ona mari yatorwa kubva kwauri pakarepo, uye zvikamu zvakatorwa mukambani yako yebhuku.
Izvozvo hazviiti, chaizvoizvo, chii chiri kuitika.E-Trade iri kungotora mari yako uye yakabata pairi kusvika musi wekugadzirisa, zvino kutora nhaka yezvikamu zvako kwauri.
Munenge mamiriro ezvinhu ose, havangatomboreji mabhuku aya muzita rako zvakananga, asi pane, achauisa muzita ravo pavanenge vachikunyora iwe semudzidzi anobatsira.
Mumamiriro ezvinhu akadaro, zvinonzi nzvimbo yako inobatwa "mumugwagwa" sezvo kambani yaunayo haisi kuziva kuti uri ani. Vanongotarisa bhizimisi rako rezvekwereti paimba yevatenzi sezvavanenge vachikuchengetera iwe.
Izvi zvine mhando dzose dzezvibatsiro. Kunoita kuti upenyu huve nyore kwazvo kwauri, mubhadhari. Iwe unogona kugara uchitenga uye kutengesa mumoyo. Iwe unogona kazhinji kutora chikwereti chemajeri pamatoro ako nezvisungo, uchishandisa zvivimbiso sezvikwata kana iwe uchida kuuya nemari nokukurumidza usingakwanisi kuona mari yako inowanikwa uye nekurasikirwa zvakanakira mitero yakaderedzwa .
Kunyange zviri nani, zvizhinji zvekuderera zvinotarisirwa kune vashandi vashomanana nokuti kana bhizimusi rako rinowedzera kubhadhara, uye iri nhengo yeSIPC, hapana chikonzero chikuru chokufunganya mumatambudziko mazhinji nekuda kwekodha yezvikwereti zvekodha kusvikira $ 500,000 inotsigirwa kusakundikana zvachose (iyo chikamu chemari yakaderera saka chenjerera).
Iri sangano rakagadziridzwa kumashure kwema1970 richitevera kupera kwekutengesa kweimba kweimba kunokanganisa vatengesi uye vakatumira shockwaves kuburikidza nemari yemunharaunda.
Zvakanga zvakashata panguva iyo baba vekukosha kwekuisa mari uye mutungamiri kuWarren Buffett , Benjamin Graham, akanyora mubhuku rake rekare rinonzi The Intelligent Investor kuti umwe neumwe wevatengesi anofanirwa kushandisa kushandisa kambani yekuchengetedza mubhengi rekuzvidzivirira iye pachake.
Kune vashandi vane mari inodarika madhora mazana mashanu emadhora uye avo vanoda zvinhu zvavo zvose zvakachengetwa munzvimbo imwe chete, pane imwe chete chirevo; avo vanoda rusununguko rwekubhadhara mari yekubhadhara mari , kubhadhara muhutano hushoma , kubata zvibvumirano zveMari yeUnited States, pamwe chete nedzimwe dzimba inokosha, asi pasina kunyunyuta pamusoro pe $ 500,000 inshuwarisi yemiganhu; urongwa hwekuchengetedzwa kwenyika yose, zvichida nebazi rebhanki rekuchengetedza (rine mitemo yakanyanyisa kupfuura vatengesi-vatengesi vanokuchengetedza kana zvikakundikana), ndiyo nzira yekuenda nayo.
Iwe unogona kutobhadhara kuti uve nechikwata chimwe nechimwe chakanyoreswa zvakananga muzita rako kuburikidza neCDS, kana Direct Registration System . Iwe unopa mari, misika yemari , kana imwe mari yakachengetesa kuti uwane mari yako yose kana kutora zvose zvekupa mari yako, uye iwe unorayira pasi rako kuchengetedza pasi rose kugamuchira chero chinosvika kutenga kana kutengesa mirairo kubva kune vatengesi vanobvumirwa vambani waunoshanda navo.
Iyo mutengesi anoita chero zvingatenga kana kutengesa mirairo yaunoti iite (kana ichitenda kuti iwe wakanaka kune yekutengeserana - yeuka, haisisina zvigaro zvekuchengetedza kuitira kuti inotarisa nemuchengetedza kuti uve nechokwadi chokuti ucharamba uchiita kuguma kwako kwekutengesa) uye uyo anodzivirira anotumira mari kana kuti anogamuchira pfuma. Panguva iyoyo, mubatsiri anotonga mamwe mabasa makuru, anozivikanwa se "asset servicing". Izvo zvinotarisirwa zvinowanzobatanidza, asi hazvirevi hazvo ku:
- Kupa nhoroondo yemari yezuva nezuva kana yemwedzi kuitira kuti iwe uone kukosha kwekutora kwako nguva yakareba pane zvinyorwa zvepaiti yako.
- Kuita kuti zvikamu zvako uye chikwereti zvigamuchirwe maererano nezvishambadziro zvesangano zvakaitwa.
- Kukuzivisai nezvezviito zvekushandira uye kubata chero mapepa anodikanwa (semuenzaniso, kupatsana kwezvikwata , kutengeswa kwebasa, kugoverana kwezvirongwa).
- Kuchengetedza mari inoshandiswa kune maakaunti ako akasiyana-siyana.
- Kupa zvinyorwa zvekushambadzira kuitira kuti uzive kuti mari yakawanda sei, mari isina kudzivirirwa inowanika chero nguva ipi zvayo.
- Kugadzira nzira yekuongorora yekudzivirira kuti uchengetedze ufeve kana kuti uine chekuchengetedzwa kwezvivimbiso.
- Kugadzirisa zvikwereti zvinokweretesa kana iwe uchida kuita mari yakawedzerwa nekurega vatengesi venguva pfupi vakwereta zvikamu zvako.
- Itai kuti chikwata chekuwedzera kwegore negore chiwedzere nguva yakawanda kuitira kuti muone kuti zvakanaka sei kubata kwenyu.
Chikamu che "global" chikamu chekuchengetedzwa kwepasi rose chinowedzera zvimwe zvingabatsiri kune varairi vemabhiza vanoda kutora zvinhu kunze kweUnited States.
- Marikari yemari inogona kuongororwa, uye kugadziriswa kushandiswa, mune dzakawanda mari yepasi pose pane dzakawanda pasi rese kushandiswa kwekutengeserana.
- Kuunganidza mari mune dzimwe mari semufaro kune dzimwe nyika .
- Kugadziriswa kwemari yekushambadzira mari kunokubvumira kushandura kukosha kwakaenzana kwekutora kwako kune dzimwe nyika uye mari chero nguva ipi zvayo kuitira kuti uzive simba rekutenga munyika yako.
- Kutarisira matanho emitero pamusangano wekugoverwa kwenyika dzose. Semuenzaniso, varimi veAmerica vane kodzero yekuderera pasi 15% inorega kuteresa mutero kune zvikamu zvakabhadharwa nekambani dzeSwitzerland dzakadai saNestlé. Kana iwe ukatora zvikamu zvekudya kwekudya zvakananga muSwitzerland, panzvimbo yeDRR, iwe haungadi kuti hurumende yeSwitzerland igare yakawanda yemari yako kupfuura iyo yaifanira kunge yaine kodzero yokuchengeta, kunyange kwechinguva (unogona kuwana mari yakawanda pane iyo mari!). Nhamba yepasi rose inonyanya kutarisa kunze kwekunze kwekubhadhara mutero wekwereti kuti iwe upe mubhadhadzi wako apo inouya nenguva yekudzorera kudzoka kwako ne IRS kuitira kuti iwe unogona kubhadhara mari yepamusoro kana kutarisana neveSwitzerland mvumo yekutere kuitira kuti pasi ye 15% yezinga inoregererwa mukati iye kutanga nzvimbo.
Zvimwe Zvimwe Zvikuru Zvinopa Zvokutengeserana Nhoroondo uye Dhipatimendi Munyika Yose
Bhizinesi reNew York, State Street, Fidelity, Charles Schwab, TD Ameritrade, Scottrade, UMB Bank, US Bancorp, Northern Trust, JPMorgan Chase, Citigroup, uye Mellon Financial ndevamwe vashomanana vanochengetedza pasi rose muUnited States . MuSwitzerland, Credit Suisse uye UBS ndeimwe yezvikwata zvakakura zvinopa basa. Kune imwe nzvimbo muEurope, HSBC ndiyo inonyanya kuchengetedza pasi rose.
Ndezvipi Zvikwereti Munyika Yose Zvinotengeswa
Kufanana nekuchengetwa kwemari yekuchengetwa kwemari, maitiro ekuchengetedza pasi rose anowanzobvumirana nekutaurirana zvichienderana nehuwandu hwezvinhu zvaunazvo uye kuoma kwezvido zvako. Mari yepensheni yemasimendi, somuenzaniso, inogona kuwanzorera kuchengetwa kwemashoko anotora zvishoma se 1/2 yechinhu chimwe chikonzero - iyo 1 / 1000th ye1% - nehuwandu hweAmerica nzvimbo yegore gore, pamwe nemari shomanana panguva iyoyo yekutengeserana kwekutengeserana (yakakwirira kune dzimwe nyika kune dzimwe nyika zvichienderana nekufambiswa kwerudzi; eg, iwe uchabhadhara mari shoma kune imwe yeFrench pane iwe uri munyika yechitatu yepasi). Zvimwe, zviduku, zvikwereti zvepanyika zvinosungirirwa pasi rose zvinogona kusanganisira mari yegore negore yemakumi mashoma, kana mashoma zvuru, madhora pagore pamwe nemutengo wakatarwa pane imwe nzvimbo pamwe ne-akawanda mazano.
Imwe gwaro guru rekuchengetwa kwebhengi rekuchengetedzwa kwepasi rose ndakaona kare ikozvino yaida mari yegore negore yemadhora mazana mashanu ega ega pamwe nemapapiro e5 flat based assets yegore negore nemadhora mashoma e $ 6,000 gore negore pane zvikwereti kusvika ku $ 50,000,000 (yose mari inotarirwa kune iyo zvishoma). Nhamba dzekutarisira pasi rose dze $ 50,000,000 kusvika ku $ 100,000,000 dzakapomerwa 2.5 nheyo dzepamusoro gore negore pamusoro pebhadharo yemari.
Kune mhuri yakabudirira iyo yakaunganidza mamirioni emadhora emadhora, ichi chinhu chakakanganisika uye zvechokwadi chinofanira kuti uve nerugare rwepfungwa uye nyore kuti uve nezvinhu zvose munzvimbo imwe chete, uchiziva kuti hausi pasi pekukundikana kwezvikoro. Hazvina mhosva kuti zvikwereti zvakakura sei mameneja, mazano, kana vatengi, iwe mukuru wako unonyatsochengetwa mubhuku rekutarisira; iyo pfuma yepamusoro hoard inobva kune iyo basa rose rinopera.
Iwe pachako, ndinorayira kuti usaedza kuenda kune yakaderera yekuchengetedzwa kwebasa asi asi, nokuda kwebasa. Munhu anochengetedza zvakanaka anoita kuti upenyu huve nyore kwazvo, kusanganisira pfuma mameneja. Fungidzira mumwe munhu akauya kwandiri mangwana uye akati, "Joshua, ndinoda kuti uchengetedze $ 25,000,000 yemhuri yangu yemari pamwe nemari yemhuri yako.
Ini ndichakubhadhara gorofu 1.00% pagore kuti uise pamwe zvakasiyana-siyana zvekuunganidza zvikwata zvepasi rose nekusimbisa kuEurope, North America, neAsia, mari yese yekuisa pachena kusinganzwisisiki, iyo yose yemakethe inotarisirwa asi iyo, mumusha, makambani mashomanana. "Nekodzero yekuchengetedzwa kwenyika yose, handifaniri kunetseka pamusoro pemhosva kana kuchengetedza kuchengetedza mari iyoyo kana kuongorora mitemo yveshuwarisi pane zvikwereti zvisingaverengeki zvebhizimisi.
Ichokwadi, handigoni kuibata. Pane kudaro, ndine simba rokutungamirira mari uye kuraira kuti mutengesi atenge kana kutengesa mashizha, zvisungo, REIT , uye zvimwe zvinhu. Muchengetedzi ari kungosiya kusunungura mari paanowana kuvimbiswa kwemashizha wandakaisa. Mugore rose, ini-pro-ratafee yangu ichasunungurwa neanomumiriri wekutarisira uye kutumirwa kubhangi rangu, kundibhadhara nekuda kwemabasa angu.
Muridzi wekutsvaga ari kuenda kuona mari yose inoyerera uye anoziva chaizvoizvo zviri kuitika neakaaka rake. Ndiwo kukunda-kukunda kune vose vanobatanidzwa. Inobvumira kuti mapoka ose ararame zviri nani usiku. Icho hachisi mari yaunofanira kufungidzira.