Dzidza Zvinokosha zveAsset Management Accounts

Iyo Shanho yeBanki yako uye Nekuda Kubhadhara

Pakati pekutarisa kwako, kuchengetedza, misika yemari , nekutsvaga kwekutsvaga mari, mapepa angave akawandisa. Kana iwe wakamboda kuti iwe ugozvibatanidza zvose muega imwe ye hybrid pane imwe sangano iwe uri muhombe. Kutenda nekugadzirwa kwekambani dzekuchengetedza mararamiro , hazvisi nyore chete kuunganidza mapepa ako ose emari uye basa, asi iwe unogona kuzviita zviri nyore masikati masikati.

Nhoroondo yeAsset Management Accounts

Ichitevera kukanganisa kwemusika wekutengeswa kwegore ra1929, Congress yakaparadzira Glass-Steagall Act. Mutemo uyu wakarambidza kusungirirwa kwebhangi uye mabhizimisi ekuchengetedza kuitira kuti vanhu vadzivirire zviri nani mune chimwe chiitiko chikuru chinokonzera mari. Chigumisiro chacho ndechokuti vatengesi vaifanira kuchengetedza zvikamu zvakasiyana pamasangano akasiyana. Muna 1999, ipapo-Mutungamiri Bill Clinton vakasaina gwaro reGram-Leach-Bliley mutemo. Iyo inonyatsoparadza Gorosi-Steagall Act uye yakabvumira kusikwa kwezvikwereti zvemari zvemari izvo zvakapa mabhizinesi, kubhadharisa , uye masishuwarenzi kumasekita. Nenguva pfupi pashure pacho, makambani aya emari emari anotanga kupa mabhuku ekuchengetedza mararamiro senzira yekugadzirisa zvinodiwa nevatengi vavo.

Maitiro Asset Management Account anoshanda sei

Mumwe mubhadhari anopa mari mubhuku rake rekuchengetedza pfuma. Nhamba yacho inoshandiswa mumari yemari yemari (iyo inowana mukana wepamusoro wekufarira kudarika kuongororwa kwekodha yenguva yacho) kusvikira muiti wekambani akanyora cheki, anoshandisa bhadhi rebhadhiro kuti atenge kana kutora mari pane ATM, kana kuti mabhizimusi ekutenga , zvisungo , mari pamwe chete kana zvimwe zvigadzirwa zvemari.

Pakupera kwemwedzi wega wega, mubati wekambani anogamuchira zvinyorwa zvakanyatsorondedzerwa zvinoratidza checks zvakatumirwa, zvigadziriswa, zviwanikwa zvekutsvaga, zvekutengesa mbiri, zvikwereti uye kufarira kwakagamuchirwa, nezvimwe.

Dzimwe nhoroondo dzehupfumi dzehupfumi dzinopa mapurogiramu emari ekutsvaga mari nguva nenguva inobvumira kuti zvigadziriswe kutenga zvigaro zvemari nguva dzose kuti zvishandise simba redaire rinobhadhara zviyero , chikamu chekugoverwa kwemagetsi .

Kana ukasarudza kuenda nekodha yemukana wekugadzirisa sarudzo iwe uchakwanisawo kushandisa zvakanakisisa zvirongwa zvekuregererwa kwehutano (izvo zvinogona kunge zvakakwana kune avo vari mutirano kana avo vanoda kupiwa chikamu chemari yavo nguva dzose) uye kutumira mari yekuisa mari. Nokuti huwandu huripo hunowanzoremekedzwa (mugumo wakareba unowanzova wakakomberedzwa $ 15,000), vanhu vazhinji vanozviwanira kodzero yekuwana maropafadzo ekudzivirira .

Nzira dzekushandisa Asset Management Account

• Mutsara wekugadzirisa wemwedzi unoita kuti kuchengetedza kwemufambisi wako wezvemari kuve nyore nyore.
• Kuongorora kusingagumi kwekutengesa nemari yemusika kunobvisa, iyo inobatsira kuunza mari yakawanda yemari.
• Zvichienderana nechisimba chaunosarudza, unogona kusimbisa ma-akhawunti ako ekugadzirisa maekisi nezvose zviri kutengesa uye tsika dzekutengeserana .

Mutemo weKushandisa Asset Management Account

• Tsvakurudzo inoitwa nemazana akawanda ebhangi anopa majeti ekugadzirisa mararamiro asati awana kusvika kune tsvakurudzo inopiwa nevekambani dzinoshambadzira. Zvisinei, izvi zvingangodaro zvichishandurwa nenguva, saka zvakakosha kuti uchenjere.
• Vashandi vashomanana vasingakwanisi kusangana nehuwandu hwekuvhara muyero we $ 15,000 havakwanisi.
• Mari dzakawanda dzemari dzinobhadhara zviduku zvepamwedzi kana kwemaawa mana ekugadzirisa kunze kwekuti bhaari yebhasiyo inodarika $ 100,000.