Fiduciary vs. Kukwana: Nei Unoda Kuziva Kusiyana

Kana Uri Kutsvaga Mutungamiri Wekutsvaga Mari, Ziva Idzi Mitemo

Izvo hazvishamisi kuti vazhinji vevanhu vari kunze ikoko vane chokwadi chekubhadhara mutengesi wekutsvaga mari. Mushure mezvose, isu tose tainzwa nyaya pamusoro pevaya vakaurayiwa naBernie Madoff Ponzi chirongwa . Takatarisa mafirimu akaita se "Wall Street" uye "Boiler Room" iyo inotirega tichivhiringidzika pamusoro pevatinogona kuvimba nemari yedu.

Saka, unosarudza sei mutariri wekubvisa mari iwe unogona kuvimba? Uye iwe ungaita sei kuti iwe uwane mupi wezano unofanirwa kuisa kufarira kwako pamusoro pezvavo?

Kana wakamboita tsvakurudzo pakutsvaga mutungamiri akakodzera, iwe unogona kunge wakagumburwa pamashoko maviri anonzwika sokuti angareva chinhu chimwe chete, asi chaizvoizvo ane tsanangudzo dzakasiyana. Aya mazwi ari fiduciary uye akakodzera. Zvakakosha kunzwisisa mutsauko pakati pevanopa mazano avo vanobatanidzwa kune fiduciary yakaenzana nevaya vanobatanidzwa pakukodzera, kunyangwe vasati vasarudza mumwe waunoda kuvimba kuti agadzirise mari yako.

Fiduciary

The Fiduciary Standard yakasikwa muna 1940 sechikamu cheMari yeAddingors Act. Uyu muyero, unotungamirirwa neC SEC kana hurumende dzehurumende dzekutengesa, hunosimbisa kuti vauri vemazano ekutsvaga kwekutsinhanisa vanobatanidzwa kune chiyero chinoda kuti vaise zvido zvevatengi vavo kupfuura ivo pachavo. Mitemo inotevera inowira pasi peFiduciary Standard:

• Mumwe mupi wezano anofanira kuisa zvaanoda pasi peyomutengi.
• Mumwe mupiridziri anorambidzwa kubva kutenga mabhesi eakaaka rake asati azvitenga kune mutengi.

• Mumwe mupi wezano anofanira kuita zvose zvaanogona kuti ave nechokwadi chekutsvaga mazano anogadzirwa achishandisa mashoko akarurama uye akazara. Kuongorora kunofanirwa kunge kwakanyatsoitika.
• Mumwe mupi wezano anofanira kudzivisa kupesana kwechido. Senguva yekutenda, mutungamiri anofanira kuzivisa chero kukakavadzana kwekufarira kana kukwanisa kukakavara kwechido.

Suitability

Kunyange zvazvo mazwi maviri angaita zvakafanana, pane musiyano pakati pekukodzera uye fiduciary. Kukodzera kunongoreva kungoita mazano anowirirana neanofarira zvakanyanya kune mutengi. Hezvino chimwe chinhu chaunoda kuziva:

• Panzvimbo yekuisa pane zvaanofarira pasi peiyo muchengeti, kukodzera kunongoda kunoda kuti mutungamiri ave nekutenda zvine musoro kuti chero zvipi zvarongwa zvakagadzirirwa zvakakodzera kune mutengi, maererano nezvinodiwa nemari yemutengi, zvinangwa uye mamiriro akasiyana.
• Kukodzera kunoreva kugadzirisa kuti mutengo wekutengesa hausi kunyanyisa kana kuti kukurudzira hakusi kwakakodzera kune mutengi.
• Kunyanya kutengeserana, kutora kubudisa mamwe mahofisi kana kuchinja nguva yezvinhu zvigwaro kuti zvive nekutengesa mari kune mutungamiri.
• Chido chekuzivisa zvinogona kukakavadzana zvekufarira hakusi sechinhu chakasimba chakadikanwa sezvinongoita nefiduciary.
• Imari yevatengi inofanira kunge yakakodzera; hazvirevi hazvo kuti inofanira kunge ichienderana nemafungiro emunhu mumwechete uye purogiramu.
• Vayiridzi vekutsvaga mari vanobhadhara-vanogona kuve vakakurudzirwa kutengesa mishonga yavo pachavo mberi kwezvinhu zvinokwikwidzana zvingave zvakaderera. Ndiyo maitiro avanoita mahofisi avo.

Pasi Pasi

Kana iwe uchida kutsvaga mubatsiri wekutsinhanisa uyo anodiwa kuti atsigire Fiduciary Standard, nzvimbo yakanaka yekutanga ndeyokutsvaga mutengo-wega wezvigadziri zvemari. Vatori vezvikwereti-chete uye vapeiri vekutengesa havatengesi kutengesa michina, uye havaiti mapeji. Vatori vemari chete ndivo vanobhadhara mutengo wakatarwa uye havatungamirirwi nokutengesa chero rudzi rwezvinhu. Mazano avo anonyorerwa kune zvakanakisisa, uye vanofanirwa kuisa zvavanofarira pane zvavanoda. Kuti uwane mari-iwe chete wezvigadziri zvemari pedyo newe, tarisa National Association of Personal Financial Advisors pawww.NAPFA.org.

Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese.

Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo