Mari inongoreva chete kwete mahofisi.
Mari-Vaongorori Chete Vanove neFiduciary Standard
Vaya mazano ekubhadhara mari chete, kana kuti vanokweretesa chete-vanogadzirisa mari, vanowanzoshanda sevanoshandisa fiduciaries.
A fiduciary inofanirwa kupa mutemo mazano anowanikwa muchengeti wavo.
Iwe unofunga kuti vese varairi vezvemari vaizodikanwa kuti vape mazano ari mumutengi wavo zvakanakisisa - asi hazvisizvo. Ruzhinji rwemabhizimisi emari mashizha ane "kukodzera kukodzera." Kukodzera kunoreva kusarudzwa kunofanirwa kuve kwakakodzera zvichienderana nemamiriro ako emari uye zvinangwa - asi kana chimwe chigadzirwa chibhadharira mutungamiri kupfuura imwe, uye vose vari vakakodzera, vanogona kukurudzira chibereko chinowedzera zvakawanda kunyange kana zvingasava sarudzo yakanakisisa kwauri kunze kwezviviri zvacho. Kumbira munhu anokwanisa kukurudzira kana ane kodzero yekuchengetedza iwe kana kukodzera kukodzera. Iwe unoda kuti mhinduro ive fiduciary.
Kutanga muzhizha 2017, zvichibva pamutemo mutsva weDhipatimendi reBasa rinonzi Fiduciary Rule, fiduciary standard inogona kushanda kune vese vapeiri vemazano emari vanopa mazano pamusoro pemakambani ekurega basa.
Uyu mutemo mutsva wekutsvaga, zvisinei, haukwanisi kushanda kune mazano anopiwa pamari inobatwa kunze kwekambani dzekubvisa mari. Izvozvo zvinoreva kuwana mutevedzeri anogona kupa mazano mune zvaunofarira iwe ucharamba uchiita basa rako rechikoro.
Nzira Yekuti Mari-Vangokurudzira chete Vanobhadharwa
Mutengo wega-wega wezvemari haakwanisi kugamuchira mubhadharo kubva kune imwe kambani yemari yekwereti, imwe mutengesi yekambani, kambani ye inshuwarisi, kana chero imwe nzvimbo kunze kwako.
Zvinomiririra iwe uye zvaunofarira apo paakupa mazano. Ndinofunga kuti zvinonzwisisika kutsvaga vatengi-mazano avo chete, mushure mezvose, fungai kuti pane munhu aripiko aripo anobva, uye izvo zvichakuudza zvakanyanya pamusoro pokuvimbika kwavo kuripo.
Mutengo wega-wega wega unogona kuva nehuwandu hunotarirwa nehuwandu hwezvinhu zvavanotarisira iwe, uye nokudaro wakabhadharwa kubva kwekero yako yega roga, kana kuti inogona kunge yakabhadhara gore roga roga, kana mutengo weawa.
Vamwe varayiri vezvemari vanoshandisa izwi rokuti "mari-based" kurondedzera kuti vanobhadhara sei mabasa avo. Nheyo-yakagadzirwa haisi chinhu chakafanana ne "mari-chete."
Nheyo-Inotarirwa Haisi Izvo Sezvo Sayo-Chete
Imwe muchengeti wemari wekubhadhara mari anogona kugamuchira mari inobhadharwa newe, uye mishoni yakabhadharwa navo nekambani yekutengeserana, mutual fund company, kambani yveshuwarisi, kana kuburitswa kwekubatanidzwa. Iyi mitero inofanira kuzarurirwa kwauri.
Vazhinji mazano avo vanoshandisa izwi rokuti "mari-based" vanopa chimwe chinhu chinonzi account yakagadzirirwa . Imari inowanikwa mukati mekodha iyi yakachengetwa inogona kubhadhara zvinokurudzira kune kambani mudzidzi anoshanda, izvo zvinoreva kuti zvingasave seine chinangwa sezvinoonekwa.
Kunyange zvazvo zvose mari-yega chete uye mari yekubhadhara mari yevashandi vanogona kunge vane nhoroondo dzavanotarisira pavanenge vachibhadhara chikamu chemari, mari iyo yavanoisa mukati maakaunti idzi inogona kunge yakasiyana zvikuru.
Vatapi vezvemari-chete chete vane varairiro vane kodzero yekutsvaga mari yaunofarira. Vanowanzoshandisa mari inoshandiswa mukati mekutengesa mari, zvakadai sokusa-mutoro mutengo wemari, mashizha, uye zvisungo; imari inenge isina 12 (b) 1 mari.
Pasinei nokuti vanobhadharwa sei, vadzidzisi vezvemari vanopesana mumasangano avanopa. Vamwe vanopa rubatsiro rwekutsinhanisa kwekutsvaga, asi vamwe vanosanganisira kugadzirisa zvemari sechikamu chekupa kwavo, uye vamwe vadzidzisi, vakadai seavo vanoita basa rekurayira basa. Zvakakosha kusarudza kuti ndeupi rudzi rwehutano hunodiwa iwe unoziva kuti ndeupi mutungamiri wekutarisa.
Kwokuwana Mutengo-Mupi Wezano chete
Vazhinji mazano ekubhadhara mari chete ndivo veboka rinonzi NAPFA, National Association of Personal Financial Advisors.
Vashandi vanogona kungobatana neNAPFA kana vari ivo vanongobhadhara mari chete. NAPFA inopa tsvakurudzo pane webhusaiti yavo yaunogona kushandisa kuti uwane mutengo-mupi wezano chete pedyo newe.