Registered Investment Advisor Mari

Kunzwisisa Kusiyanasiyana Kwepfuma Imari Shedules

Sezvo vazhinji venyu munoziva, ini ndiri pakati pekugadzira huwandu hwenyika yose huri kuisa mari iyo ichave iyo inyoresa mari yekubhadhara mari kune avo vane ruzivo uye yakakwirira mumatare anokosha vanhu, mhuri, uye masangano avo vanoda kuisa pamwe chete nemhuri yangu. Vaya vane $ 500 000 kana kupfuura muzvikwereti zvinogona kuvepo vanogona kukwanisa kutora chikamu. Ndaifunga kuti iyi ndiyo yaiva mukana wakakwana wekupa "mukatikati hobhokisi" mhedziso yekuti vatungamiri vekutsvaga kwekutsinhanisa vanoita sei mari, kana iri mari yekutsvaga kubva kune imwe nzvimbo yakadai seVanguard kana kuti inokurudzirwa-yakarongwa nehedge fund .

Izvi zvinonyanya kuitika ikozvino kuti ndakakuudza iwe kuti mabhizimisi ekubhadhara mashizha anobhadhara sei, uye iwe unoziva zvinhu zvina zvaunofanira kutarisa mune imwe nyanzvi yekugadzirisa kwekutsvaga mari .

Ndapota cherechedza kuti munyaya ino, tinongotarisa kune izvo zvinonzi " mari-chete" yakanyoresa masayiridzi mazano avo vanoita mari nekubhadhara chikamu chemari yako yepodfolio yose panzvimbo yekutengesa iwe michina yakadai se annuities, earnings commissions muchimiro chekutengeserana mari yekutengesa mari, kana kugadzira purogiramu kubva kune dzose kutenga kana kutengesa mabhizimusi emabhiza aunoita. Kuti uve wakajeka pamusoro payo, iyi ndiyo chete yerudzi rwekubhadhara kwekugadzirisa mari ini ndinogona kunyange kurega kufunga nezvemhuri yangu uye ndinofunga kuti iwe uchava wakachenjera kuita zvakafanana. (Iva nechokwadi kuti usavavhiringidza nezwi rakadaro "mari-based" mazano avo vane mienzaniso yebhizimisi yakasanganiswa.)

Kunyanya, tichazoongorora:

1. Simba rekushandisa mari yekuchengetedza mari

1. Tiered investment management fees ratiba
2. Mari inoongororwa neyesi yekirasi pamarikero inotengeswa
3. Maawa ega ega aripo
4. Mari yepamusoro yakabatanidzwa pamwe chete nemari yekuchengetedza gore negore

Takagadzirira? Ngatinyurei mukati maro. Chinangwa changu ndechekuti iwe uende nekunzwisisa zviri nani zvauri kuripomerwa, kuti mahedheni emari ekubhadhara zvikwereti anoshanda sei, uye kuti mari chaiyo yekushandisa mari inotarirwa sei.

Flat Investment Management Fees

Pasi pechirongwa chepamusoro chekubhadhara, maverengero ekubhadhara anonyadzisa nyore. Pazuva rekuyera, chero ipi neipi bhendi yako ukama hwekambani yako inowira mune izvo iwe unobhadhara. Inokonzera vamwe sekusaruramisira nokuti zvinoreva kuti vatengesi vanocheka vanobhadhara mari shoma pamari shoma (kunyange zvisiri izvo, chaizvoizvo, kufunga kwemajeri emari anowanikwa kune vose). Inokurudzira vatengi kuti vaise mari yakawanda kuti vagamuchire purogiramu asi inogadzira mabani kumudzidzisi mune kuti pane zvikwereti zvavanoshandisa mari shoma yekugadzirisa zvimwe zvinhu kusvikira kuderedza kwave kuchidzorerwa zvakare. Paunopinda mune imwe chikwereti chekubhadhara mari kana mutero uye unotora mari chaiyo yekuchengetwa kwekutsvaga, inenge iri nguva dzose patafura; zvinhu zvose zviri mubhadharo zvinokweretwa mubhadharo umwe chete unobhadharwa kumudzidzisi.

• Pasi pe $ 2,000,000 = 1.50%
• $ 2,000,001 kusvika ku $ 5,000,000 = 1.25%
• $ 5,000,001 kusvika ku $ 10,000,000 = 1.125%
• $ 10,000,001 kusvika ku $ 25,000,000 = 1.00%
• Zvinopfuura $ 25,000,000 = zvinotaurirana

Tiered Investment Management Imari

Neyo purogiramu yakatarwa, mararamiro akasiyana-siyana anoongororwa mari dzakasiyana. Nenzira iyi, munhu wese, pasinei nehuwandu hwemabhuku, anopa mukana wakafanana pane imwechete yemari yekubhadhara chikwereti chakanaka kuvanhu vose.

Semuenzaniso, chimiro chekuda mari yakatarwa chinogona kutarisa chimwe chinhu chakadai:

• Kutanga $ 250,000 = 1.75%
• Inotevera $ 750,000 = 1.50%
• Inotevera $ 4,000,000 = 1.25%
• Inotevera $ 5,000,000 = 1.00%
• Inotevera $ 15,000,000 = 0.75%
• Zvikwereti zvinopfuura $ 25,000,000 = 0.50%

Fungidzira mutengesi anouya ne $ 50,000,000 muzvinhu zvaanoda kutarisirwa. Iko kuverengerwa mari yekuverenga kunogona kuputsa se:

• $ 250,000 x 1.75% = $ 4,375
• $ 750,000 x 1.50% = $ 11,250
• $ 4,000,000 x 1.25% = $ 50,000
• $ 5,000,000 x 1.00% = $ 50,000
• $ 15,000,000 x 0.75% = $ 112,500
• $ 25,000,000 x 0.50% = $ 125,000

Mutengo Wese = $ 353,125, kana 0.70625% pagore. Zvisinei, mari inobhadharwa kwegore negore, saka inogona kuongororwa se $ 88,281.25, kana kuti zvishoma kudarika 0.18%, neyekudzokorora kwemwedzi mitatu yega yega kuitira kuratidza kuchinja mumusika kukosha (semuenzaniso, kana mutengesi waramba, mhedzisiro yekuderera yakakwana, zvakare , uye visa versa).

Mari yekuchengetwa kwekutsvaga mari inoenzaniswa neChikoro cheAsset paInvested Balance

Imwe mitero yemari inotarisa mashandiro anobva pamakirasi eatset. Izvi dzimwe nguva zvinoreva kuti muchengeti anokwereta mari shoma kana kuti kwete yeko mari yakachengetwa mukati mekwereti yemakeroti. Nzira iyi inowanzotarisirwa nekukosha kwevatengesi vanopedza makore vachigara pamari yakawanda yemari chete kuti vashandise ivo nokukurumidza apo chimwe chinhu chiyambuka radar asi panoita seine imwe mubvunzo mune imwe nzvimbo pamusoro pekuti kana zvirongwa zvakadaro zvinomirira kukakavara kwechido Dare reMabasa rinotonga rinoda BICE (Best Interest Contract Exclusion) zvibvumirano pane mamwe maakaiti nekuda kwekuti zvingangoita, zvingangoti, zvikurudziro zvinogona kuita kuti mupi wezano aite zvinopesana nemutengo wakanaka wevabereki nekuda kwekuti chokwadi chikwereti mutungamiri anogona kuwedzera mari yekubhadhara mari pakarepo nekuita nekutsvaga nekuderedza mazinga emari; chimwe chinhu chete nguva uye kujekesa mberi kuchagadzirisa.

Imari yekubhadhara mari yemari inogona kutarisa seyiyi:

• 1.50% pamari yakabhadhara
• 0.75% pamari yakasarudzwa-yakawanikwa
• 0.00% pamari (kana mamwewo mazita ekubhadhara mari - ndakaona 0,20% zvakare)

Iyi mitero inosanganisira pasinei nehuwandu hwematengo - hazvina basa kana une $ 5 mamiriyoni kana $ 100 mamiriyoni. Heino nzira yekuverenga ingaita sei. Fungidzira mutengesi ane $ 25,000,000 aine 15% yepodfolio yake mune mari, 25% muzvisungo, uye 60% muzvikwata.

• $ 15,000,000 inotengesa kuenzana x 1.50% = $ 225,000
• $ 6 250,000 inotengesa mari yakasarudzwa x 0.75% = $ 46,875
• $ 3,750,000 yakamira mumari yemari x 0.00% = $ 0

Zvose mari = $ 271,875, kana 1.0875%.

Izvo zvakakosha kune muchengeti ndeyekuti panguva yekuvaka-nguva, kana kutevera mahomwe makuru, havari kubhadhara zvakawanda, kana chimwe chinhu, pamari yavo. Kana kambani yakanga yakagara pane chimwe chinhu chakaita se 30% kana 50% mari sezvo maneja akatarisa-tarisa zvinhu zvakagadzikana kuti aite, mari inobhadhara inogona kunge yakaderera kudarika iyo ingangodaro ibhadhara, iyo inowedzera kuenzaniswa nemari yakakwirira gare gare.

Hourly Investment Management Fees

Vamwe vakanyoresa mabhizimisi ekugadzirisa mazano vanopa maawa maawa ega ega mamwe mabasa, mazhinji ayo anowanzotanga kusungirirwa kuitira kuti zvive nyore. Somuenzaniso, kana iwe usiri kuzova nemafambisi ako anotungamirirwa nekambani, unogona kunge uchida kuti vatarise pane zvawakachengetedza uye kupa rongororo rweurongwa hwako huripo. Vanogona kutengesa $ 250 kana $ 500 neawa ine purogiramu yekutanga kubva pa3 kana maawa mashanu. Vanogona kubvumirana nemitemo inokosha inoda nguva shoma kana zviito zvekushandira zvaunoda. Paunopinda munharaunda iyi, inowanzoita vanhu vaviri vagere patafura vachitaurirana nezvechinangwa, chinangwa.

Mari Yomubhadharo Inosanganiswa neGore Rinotengesa Mari

Mune mamwe mamiriro ezvinhu, unogona kuguma kubhadhara mari yekubatanidza iyo inoda kuti iwe uite zvishoma zvidzidzo kuti uone kuti iwe unorevei gore negore se peresenti yenhumbi. Somuenzaniso, kana ukazarura $ 500,000 kuvimba neVanguard, iwe uchabhadhara madhora mazana mana emadhora emadhora emadhora e $ 2 500 chete $ 2 500 chete kana mutero wekodhidhai + mari yekutengeserana mari inobatsira iwe kusarudza (kubva kubva ku 0.05% kusvika pasi 1.00% zvichienderana nezvakataurwa). Nenguva iyo zvose zvataurwa uye zvaitwa, iwe uri kutarisa kunze, zvakananga uye zvisina kurongeka, kune imwe nzvimbo inenge madhora 7 850 kana ukasarudza kushamwaridzana kwakanaka kwemari yemhuri uye yepasi rose . Izvozvo zvinoshanda zvegore negore zvinokwana 1.57% pazvinhu; zvakanakira zvakanaka kana iyo trust fund instrument ine mirayiridzo iri nyore uye haifaniri kuchengetedza dzimwe dzimba dzekushandisa dzakadai sedzimba dzezvivako zvekumba .

Ivai Nechokwadi Kuti Munoita Matanho Pamitengo Yakadzingwa yePfuma Ivanokurudzira Vanoita Kuti Muve Mutual Funds kana ETFs

Kana iwe ukashanda zvakananga nekambani yekuchengetedza mararamiro, maitiro ako akanaka iwe uri kuripa chete mari yavo. Ndizvo. Iwe wakaenda zvakananga kune chinyorwa, kuti utaure. Iwe uchava nezvimwe zvishoma - mari yako yekuchengetedza, kubhadharwa kwemakambani, asi kana uri kushanda nekambani iyo iri kumusoro nekukwira, inofanira kuva yakajeka; iwe unofanirwa kuziva zvakajeka zvauri kuripa. Zvisinei, hupfumi hwakawanda hupfumi hwekambani uye vatori vemari vanobhadhara mitero yakafanana neiyi chete kuti vatendeuke vagoisa muchengeti muzvikamu zvitatu zvezvematongerwo enyika, ETFs , kana zvimwe zvikwata zvekutsvaga zvekutsvaga zvinotarisirawo mari yekufambisa. Iva nehanya zvikuru pamusoro pekuenzanisa zvikwereti zvemafisi aya kugovera vatungamiri. Ivo vanyengeri; vabatsiri vari kuunganidza zvinhu uye vachizovatungamirira kumaneja emagetsi.

Semuenzaniso, zvinogona kunge zvakanyanya kunaka kune mushure mekubhadhara mitero yekubhadhara mari yekutarisira gore negore 1.25% zvakananga kune imwe yekambani yekuchengetedza mari mune imwe nhoroondo yakachengetwa pane kuti iende kune imwe pfuma yekuchengetedza pfuma inoshambadzira 0.75% yegore roga roga asi inokuisa mumari uye ETFs dzinotora 0,50% mari, yausingaoni (asi kunyange zvakadaro iwe unobhadhara) kunze kwekunge iwe uchiverenga kudhinda kwakanaka. Uri kuwana hutano huri nani uye humwe hutungamiri.