Mune imwe nyaya yapfuura, takadzidza pamusoro pemusiyano pakati peFiduciary Standard uye Suitability Standard (verenga: Fiduciary vs. Suitability: Nei Unoda Kuziva Kusiyana ). Kunyange painotanga kushungurudza vaviri vacho vangaita sezvakangofanana, maitiro maviri akasiyana chaizvo.
The Fiduciary Standard inotarisira kuti mutariri wezvemari anofanira kuisa chido chakanaka chekambani kune avo vake.
Pasi Pemaonero Anokodzera, mutungamiri wezvemari anongotarisirwa kuti aratidze kuti chero zvipi zvataurwa zvinokodzera kumutengi. Izvi zvinoreva kuti vatsigiri vanogona kuratidza humwe hutano kana vakakodzera, kunyange kana izvo zvinoreva kuti mupi wezano anowana mari yakakwirira kana kuti mamishinari kupfuura zvaangada kana vakapa mari yekufananidza yakafanana nemari shoma. Vashandi vanogona "kusundira" zvigadzirwa zvinogona kunge zvakakodzera asi kwete zvakanakisisa kune vateereri vavo.
The Suitability Standard yave ichiongororwa kwenguva yakati nekuda kwekukakavadzana kwezvinhu zvinofadza. Kuenzanisira kuti mari inobatsira sei kukakavadzana kwezvinhu zvinodiwa, ona nhamba dzinotevera:
"Ongororo yeVhite House of Economic Advisers yakagamuchira kuti izvi kukakavadzana kunokonzera kukanganisa kwegore rimwechete kwe1 kubva muzana yevatengesi vanobatwa-kana anenge $ 17 mabhiriyoni gore rose.
Kuenzanisira kuti zvishoma zvakasiyana zvakadini zvinogona kuwedzera: A 1 kubva muzana yepamusoro kudzoka kunogona kuderedza mari yako yekuchengetedza neinopfuura chechina pamakore makumi matatu . Mune mamwe mazwi, panzvimbo ye $ 10 000 yokurasikirwa mari inowedzera kusvika kudarika madhora 38 000 panguva iyoyo pashure pokugadzirisa kuwedzera kwezvinhu, inenge ichingopfuura madhora 27 500. "
Pinda muNew Fiduciary Rule
Kukurukurirana kwakawanda pamusoro pekuve kana kusaita kuchinja kune zvakakodzera mitemo kwakaitika kwemakore. Iye zvino, Dhipatimendi reBashandi riri kutora matanho uye sekupedzisira vhiki yakapfuura mutemo mutsva, Fiduciary Rule, iyo ichadzivirira avo vanoita mari vane mabheji ekurega mari.
Uyu mutemo mutsva unobatanidza vashandi vezvemari vese vanopa mazano ekutsvaga mari yekubhadhara mabhuku-kusanganisira 401 (k) s uye IRAs. Mutemo mutsva unoti,
"Munhu wose anogamuchira mupiro wekupa mazano ari oga kana kuti anonyatsotungamirirwa kune imwe chirongwa cherongwa (semuenzaniso, mushandi ane chirongwa chokubvisa mari), muiti wepurogiramu, kana muIRA kuti afungidzire mukugadzirisa kusarudzwa kwekusarudzwa kwekutsvaga mari inofanirwa. Zvisarudzo zvakadaro zvinogona kusanganisira, asi hazvirevi, kune zvinhu zvipi zvekutenga kana kutengesa uye kana rollover kubva kumushandi-based plan kuronga IRA. Iyo fiduciary inogona kuva mutengesi, anyoresa masayiridzi anopa mari, anishuwarenzi, kana imwe mhando yemupi mazano. "
Pasi Pasi
Mutemo mutsva, unotarisirwa kuitika mumatanho kutanga muna April 2017, inotarisirwa kuchengetedza mutengi uye kuchengetedza mabhiriyoni emadhora muhomwe yevatengesi. Tose takaona nhamba dzinotyisa dzekurega basa munyika ino. Nechirevo ichi chitsva, tinogona kukwanisa kupa vanhu vakawanda nguva yekurwa.
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 ivo vanofanirwa kuisa zvavanofarira pane zvavo. 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