Ziva zvauri kutora usati waita sarudzo
"Basa rakakwana" rinogona kunge rakaita sechinhu chaunofanira kuva nacho, asi hachisi ichocho. Zvinonyatsoenderana nemhando yemari yauchaita.
Heano mutungamiri kune marudzi akasiyana ehurumende, izvo zvavanogona kukupa iwe, uye zvavanogona kutenga.
Full-Service Brokers: Basa, asi Pamutengo
Vese-vashandi vatengesi vanoshanda mabasa makuru ekubhadhara mari seCitiFinancial, Merrill Lynch Wealth Management, uye Morgan Stanley. Vose vatengesi vachaita basa kune vashandi vavo, asi mubhadharisi webasa rese achaongororawo zvikwereti zvakasiyana-siyana uye kupa mazano.
Zvisinei, kunze kwekuti iwe unonyatsoziva nezve ins uye kunze kwekutsvaga mari, iwe hauzozivi kana iwe uri kuwana mazano akanaka, mazano akasiyana, kana mazano akaipa akaipa. Zvinogona zvakare kuti mutengesi wako kana "mutungamiri wezvemari" haisi nani pane iwe uri kusarudza mashizha.
Iyo yakakwana inoshumira-broker inonyatsotsvakurudza zvikwereti zvakasiyana-siyana nezvinangwa zvako mupfungwa, inokupa iwe nezvekutsvaga mazano uye mazano, uye inokuchengetedza iwe-kusvika-nguva nemitambo yemisika, kushandiswa kwemabasa, uye mitero yemitero.
Mari Inobhadharwa Mubasa Rakazara Chii?
Mitero yakasiyana pakati pemakambani, asi kazhinji kutaura, iwe unobhadhara mari yehutano yebasa rekubhadhara mari yese.
Nokudaro, mutengesi akakodzera webasa rese-broker ndeye munhu ane chekuita chikwereti chekutsinhanisa, asi asina nguva kana chido chekutarisira mari yake. Kunyangwe zvakadaro, zvakakosha kuti iwe uve neshoko rekupedzisira kune upi zvake wekutsvaga kwekutsvaga. Cherechedza mazwi kune zvinopesana mubvumirano yako yakanyorwa.
Mukudzoka kwemashumiro aya, zvizere-vashandi vatengesi vanobhadhara mari yakakwirira apo iwe unotenga kana kutengesa zvikwata. Semuenzaniso, unogona kutarisira kubhadhara mari yakawanda ye $ 150 kana kunyange $ 200 yebhizimisi nebasa rese rebasa, apo basa rimwechete raizodhura pakati pe $ 5 ne $ 30 paIndaneti nechinotengeswa broker.
Vose-vashandi vatengesi vanowanzobhadhara mitero yebasa regore negore kana mari yekuchengetedza pane account yako. Zvinonyanya kuvhiringidza, nokuti vazhinji vanoshanda-full-service vanotambira mabhizimisi nguva dzose pavanenge vachiita bhizimusi kune mutengi, mari yavo yakawanda inogadziriswa kuti vangatenga sei uye vanotengesa zvikwata munhoroondo yako. Vaya vasiri vaduku vanogona kutenga uye kutengesa mashizha munhoroondo yako kwete nekuti chisarudzo chakanaka, asi nokuti zvikwereti kune mutengesi zvakanyanya.
Izvi hazvirevi kuti haufaniri kushandisa mutengesi, asi kana ukadaro, enda maziso ako akasvinura, nyatsoongorora mutengesi wacho, uye usambopa chero munhu wekadhi blanche kuti ape mari yako.
Brokers Discount: DIY yeVashandi Vanorarama
Zvimwe zvezvikwereti zvakanyanya kuzivikanwa zvekutengesa E-Trade Financial Corp., CapitalOne Investing's ShareBuilder, Fidelity Investments, Charles Schwab Corp, uye TD Ameritrade. Vatengesi vakakurumbira vanowanzoita zvinonzwisisika kumushambadzi wega wega sezvo vari kutengesa, uye kana iwe uchida kuzvisarudzira, mutengesi wekutengesa angave nzira yekuenda nayo.
Usati wanyora, ona kuti mutengesi anoshanda mune rudzi rwekutsvaga mari yaunoronga kuita ( mashizha , zvibvumirano , mutero wemari , zvisarudzo, kana chero zvingave). Ongorora purogiramu yemari yekuwana kuti uone kuti chii chaunenge uchiripira kumakomisheni, kugadzirisa kambani, nezvimwe mari.
Uyezve, tarisai mazita emamwe mabasa ayo kubhadharwa kunopa. Zvimwe zvacho zvingave zvakakosha kwauri, zvakadai sekwanisi yekunyora chekeri pane account yako, kukwanisa kuita mhizha pamusoro pefoni, kana kuwanika kwekutsvakurudza ruzivo pamusoro pematokisi akasiyana, zvisungo, uye mutengo wemari.
Kuvhura Account Brokerage
Kana ukasarudza mari yekutengeserana, ingave yakakwana-kushanda kana kutengesa, teerera mafomu ekushandura kubva pawebhishopi yekwereti uye ugovatumira ne cheki, kana kuizadza paIndaneti. Kana iwe ukazadza mafomu ari paIndaneti uye uchishandisa mari yezvemagetsi kuendesa mari muhomwe yako itsva, unogona kutengesa mairimusi musi iwoyo.
Zvikwereti zvinogona kuderedza kushandiswa kwehuwandu kune imwe nzvimbo kubva pa $ 500 kusvika ku $ 2,000. Kana uri kuzarura IRA, vangave vakasiya zvido zvishoma.