Nzira iyo Investment Advisors uye Financial Planners Bhadharwa
Zano rinodhura zvikuru ndiro mazano asina rusununguko. Kunyange zvazvo mashoko aya anowanzobudiswa sehusekwe, kune chokwadi chakawanda kwauri: Sezvakasiyana nevamwe vose, vadzidzisi vezvemhizha nevarongwa vanofanira kubhadhara zvikwereti uye kuisa zvokudya patafura pamba. Saka, kunyange kana mari yacho isingave iri kubuda muchikwereti chako, uye kunyange iwe usingagoni kuona zvakajeka kuti vari kubhadharwa sei, varayiridzi vari kubhadharwa newe mune mamwe maitiro kana fomu. Heano maitiro avakadziri mazano avo vanobhadhara:
- Makomisheni: Rudzi rwekubhadhara urwu runowanzoonekwa rwevashandi vese-vashandi, avo vari tsika "vatengesi vemabhizimisi." A commission, iyo inogona kubva kubva pa $ 30 kusvika ku $ 300 kana kupfuura, inobhadharwa kune mutengesi chero nguva iyo ichiita basa (kutenga kana kutengesa zvikamu zvekutsvaga). Komisheni inoshanda semari inowanikwa kune vatengi vemari yekutengesa. Somuenzaniso, kana bhizimusi nderekutenga $ 10 000 mugove weimwe shamba, uye iyo mutero iri $ 100, iyo yekutengeswa yakawanda yawatenga iri $ 10,100.
- Mari: Vamwe varayiri havabhadharwi makomisheni asi pane mari yekubhadhara mari kune mumwe muchengeti zvichienderana nehutano hwakapiwa. Vamwe vanopa mazano vanozobhadhara mari dzinobva pazvinhu zviri pasi pekutarisira (AUM) kana kuti vanobhadhara imwe nguva yakatarwa mitero yehupi hwebasa. Somuenzaniso, mutungamiri anogona kutengesa 1.00% AUM mari. Kana iyo yevashandi pasi pekutarisira iine $ 100,000, mari yegore negore yaizova $ 1 000. Asi kana muchengeti achingoti aite nguva imwe chete yezvemari, mutungamiri ndiye achabhadhara mari iyo inoratidzwa kare. Pamhando yebasa iri, mutengi anogona kubhadhara $ 500 kusvika $ 5,000, zvichienderana nekudzika nekuoma kwechirongwa.
- Salary Plus Komisheni: Vazhinji mazano avo, kazhinji avo vanowanika pamabhangi nemakambani einishuwarenzi, vanowana mubhadharo wekubhadhara uye vanowanawo mamishinari kana mabhonasi anobva pane zvavanotengesa.
Marudzi eInvestment Advisors uye Financial Planners
Kune mhando dzakasiyana-siyana dzevadzidzisi vane mazita akasiyana-siyana, mazita, uye zvikwangwani asi pano ndivo vanoziva:
Vakagadziriswa Financial Planners (CFP) : A CFP® munhu akawana zvose zvakagadziriswa Financial Planner Board of Standards, izvo zvinosanganisira zvishoma zvidzidzo uye kupfuudza bhokisi rakazara rekuongorora. CFPs inofanirawo kupedzisa kupfuurira mberi kwezvidzidzo zvekuchengetedza hukama hwavo hweCFP. CFPs inogona kuva neruzivo rwakakwana rwezvinhu zvose zvekugadzirisa zvemari, kusanganisira kuisa mari, kubhadhara, inshuwarisi, mitero, inshuwarisi, nekugadzirisa nzvimbo. Zvisinei, iyo CFP inoratidzirwa haisimbisi kuti iine nyanzvi mune imwe nzvimbo, kunyange zvazvo inowanzoisa mune imwe yenzvimbo yekugadzirisa zvemari. Kazhinji, uye zvishoma, CFP dhigiriyo inoratidza zvishoma kuenzanisa kunzwisisika kwezvinhu zvemari.
Registered Investment Advisers (RIAs): An RIA isimba rakanyoreswa nehurumende yehurumende yekutonga, yakadai seChipurities division yehofisi yeAttorney General yehurumende, kana kuti Securities Exchange Commission (SEC) .Api mazano (ane "er" ) ikambani uye mutungamiri (ane "kana") mumwe munhu, zvakanzi seRIA rep.
Bhizinesi : Vakuru vemazano aya, kazhinji vanonzi "full-service brokers" ndivo vamiririri vekambani inobhadhara mari iyo inobvumirwa kutengesa zvigumisiro (kureva mashesi uye zvisungo). Ava vauri mazano vanowanzobhadharwa nemakomisheni pamatoro avo vanotengesa. Vanonzi "basa rakakwana" nokuti ivo (pamwe chete nevatengesi vekambani vezvekwereti) vanoita zvese zvekutengeserana, mazano, uye kuongororwa kune mutengi. Makomisheni kana mari inouya kubva kune imwe mari inowanzobva mumari yekutakura uye 12b-1 mari. Vakawanda vanoita-ivo-iwe pachavo vatengesi vanoshandisa "kutengesa vatengesi," saCharles Schwab , iyo isingawanzoiti kutenga kana kutengesa mirairo asi ichaita mhizha yekambani duku, kazhinji inodhura madhora gumi. Vatengesi vakakwana vanopawo mukana wekutengesa mari pamwe chete.
Vashandi veInishuwarenzi uye Bhengi : Ndinoisa miviri miviri yevanopa mazano kune imwechete nokuti haisi varairi vekutsvaga mari kana varongwa vezvemari asi vanogona kubvumirwa kutengesa mutual funds, stocks, bonds, uye / kana variable annuities inogona kushandiswa sekurima . Inishuwarenzi uye Bhengi vanogona kupawo mazano ekugadzirira mari.
Ndeupi rudzi rweUtsvaga Wekutsvaga Mutengo Ndiyo Yakanakisisa Kwauri?
Kuti uone mutungamiri wepamusoro, iwe unotanga nekugadzirisa kuti ndezvipi uye kuti ndeapi mararamiro aunoda. Kana iwe chete unoda kutungamirirwa pamusoro pekutsvaga mari, mamwe mazano ekutanga, uye zvaunoda hazvisi zvakaoma, iwe unogona kubatsirwa nokushandisa shandisi yekwereti seEdward Jones . Vanobhadhara makomisheni asi ivo kazhinji vanonzwisisa.
Asi cherechedza kuti vatengesi vanodiwa chete kuti vatsigire izvo zvinonzi kukodzera kutaridzika kwekutarisira, izvo zvinoreva kuti ivo vanofanirwa kukurudzira uye kutengesa mafudzi ekutsvaga ayo akakodzera kune mutengi uye zvinangwa zvevatengi. Zvisinei, inofanira kuonekwa kuti vatengesi havabvumirwi nomutemo kuti vawane zvakanakisisa kana zvakaderera-mari dzinotengeswa zvemutengi. Uyewo, vatengesi vakaita saizvi vanowanzokurudzira mari yemari kana mari nemari inoshandiswa yakawanda kupfuura yakakosha kuti zviite zvinangwa zvevatengi.
Kana iwe uchida mazano ekutsvaga mari uye urongwa huripo hwehupfumi, bhiza rako rakanakisisa ringangodaro rakanyoresa Investled Adviser. RIA inongobhadhara chete nemutengi (iwe) uye ivo chete vanoshandisa mashopu (kureva pasina-mutengo wemari, mutengo wemari, uye ETFs) inonyanya kushanda zvinodiwa nevatengi.
RIAs inofanirwa kutsigira hutano hwekuchengetedza hutano, izvo zvinopfuura zvakanyanya kudarika kukodzera kwekwereti kwekwereti. Mumashoko akasiyana, RIA inotarisirwa zviri pamutemo kuisa zvinodiwa zvekwereti pamberi pezvake. Iwe uchabhadhara mari inoenderera mberi asi mari yacho ichauya kubva kwauri uye RIA yakanaka inogona kuchengetedza pamari nemari shoma ine mutual fund, iyo inowanzo iri mari yakanakisisa yekuita.
Mune maonero, ruzivo rwemunhu uye ruzivo rwekuninipiswa kwemukadzi wekudzivirirwa mari, nyanzvi, uye mabhangi haisi nzvimbo dzakanakisisa dzekutora mazano ekutsvaga mari. Kunyange zvazvo vamwe vachigona, zvinowanzoita kuti uwane inshuwarisi yako kubva kumakambani einishuwarenzi uye mabhizimusi ako uye mabasa kubva kumabhangi. Pachinyorwa chechiedza, iwe haungatengi hamburger kubva panzvimbo yepazza, iwe?
Pamashoko ekupedzisira, chero mupi wezano kana kuti anoronga iwe unoshandisa, zvakachenjera kushandisa imwe nechiratidzo, chakadai seCFP (ona pamusoro) kana zvakafanana. Iwe wakachenjerawo kukumbira shamwari kana vashandi pamwe chete kuti vatsanangure uye kubvunza mupiridzi wezvinyorwa zvisati zvavashandira.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.