Izvi zvinotarisirwa kuti zviitike mukufarira kwavo kunosanganisira kuzivisa chero kukakavadzana kwekufarira kunogona kubuda kuitira kuti vagozivikanwe mberi kwenguva, kuenzanisa kutamba. Kuvhara basa rekutengesa kunogona kukonzera kurangwa kwechirasika, kusanganisira kudziviswa kubasa mune dzimwe nzvimbo, kurambidzwa kushanda nemamwe marudzi edziviriro, kukamanikidzwa kubhadhara zvakakosha zvehurumende uye zvechibharo, kurasikirwa kwebasa, uye, pane dzimwe nguva, kutendeseka kusingatauri nekuenda nejeri nguva. Kuti uise pachena, basa refiduciary rine mazino.
Basa refiduciary rinopesana zvikuru kubva kune izvo zvinonzi "kukodzera mitemo", iyo ndiyo nzira shoma yekuzvidavirira. Pasi pemitemo yakakodzera, munhu kana chikwata chinoshanda newe chinoda kungoita mazano anowanzofungidzirwa kuti ari pane zvaunofarira. Ichi ndicho chikonzero chakanyanya kudiwa chinopa hudziviriro - somuenzaniso, zviri pachena kutyora kune mutengesi kunorayira kutengwa kwekunze kwe-mari-mahedheni ekudanwa kwenguva pfupi ne 40% yehuwandu hwekodzero yechirikadzi yakasiya chikamu uyo anoratidza kuti anoda ruzivo rwekuchengetedzwa kwemajeri -asi iwe unogona kushamiswa kuti munhu angakwanisa sei kupa mhosva zvinhu zvisingabvumi kana zviri muzvido zvavo pachavo.
Imwe nzvimbo yekushungurudzwa Ndakaona iwe pachako, kakawanda mubasa rangu rinoreva annuities. Mumwe munhu kana mhuri inogutsikana kutenga chinhu ichi chishamiso-chekuita (panguva yekunyoresa kuderera mutengo, kuti uwedzere kuipa) kuti, mumaonero angu, zvinoita kuti zvive nezvose zvinobatsira zvekugadzirisa pavanenge vachipa zvinenge zvisingabhadhari rubatsiro runogona kururamisa zvikamu zvekuwedzera mari yekutsvaga mari uye kurasikirwa kwemari iyo inogona kunge yakaenda kune vagari venhaka yavo isina mutero kuburikidza nekutsika-shanduka .
(Pane nguva, mamiriro ezvinhu, uye mamiriro ezvinhu umo gore rinenge riine chigadzirwa chinonzwisisika asi kazhinji haasati rava pedyo neavo vandinotarisa mumwe munhu achipa mari yavo kune imwe.) Panguva iyo, munhu anopa nzvimbo yekutengesa anofamba ari akapfuma , dzimwe nguva kuwana mari inoshamisa yepamusoro pe10% yemari yako , yakavanzwa nenzira yausingazivi kuti iwe wakaipa kwavari (semuenzaniso, mutsetse wacho unoratidza huwandu hunokosha huripo asi kana iwe ukarasa chikamu chekuda, iwe une chikwereti chakanyanya kuzvipira mhosva). Ichi ndicho chimwe chezvikonzero zvepamusoro zvinoreva masangano eparamende anowanzoda kubviswa kwemazuva mashomanana ebhizinesi, panguva iyo munhu anogona kugumisa chikwangwani chitsva chechibvumirano chisina kutongerwa.
Vazhinji vatsva vatengesi havazivi kana vari kusangana nemumwe munhu akasungirwa kumutambo wefiduciary kana kukodzera kukodzera. Tora, nenzira yemufananidzo, wekwako stockbroker yako . Vanoteerera zvinetso zvenyu. Vanokubatsira iwe kuvaka pikodini. Vanogona kukubatsira kuti usarudze hura rako rebhuruu chip chips kana mutual funds . Havasi vakasungwa nebasa rekutenda, kunyange zvakadaro. Kunyanya kuvimbika kwavo kunzvimbo yezvemari inovapa vane mubhadharo.
Kune vamwe vanoenda kumusoro uye mberi kwekudanwa kwebasa, kunyatsotarisira vatengi vavo uye kushanda vasingatyi kuti vavabatsire kuvaka pfuma kunyange kana zvichireva zvishoma mari yavo, asi ndeyekuti ivo chete vari vanhu vane rupo vane rupo rwekuvimbika, kwete nekuti pane chimwe chinhu chinodiwa kuti vaise chido chenyu chakanakisisa mberi kwavo pachavo, kana kuti iyo yakasimba, inofarira zvikuru. Chimwe chezvinhu zvinogona kukonzera iyi ndiyo tsika inonyengera yekuva nehurumende dzakawanda pasi peimwe musamera yekambani, yakadai semutengesi-mutengesi ari kunyatsogadzirisa zvakabatanidzwa mubhadhadziro wekubvisa mabhizimusi kana mubhandi rekuchengetedza bhangi, ayo maviri ekupedzisira akasungwa nebasa refiduciary.
Mienzaniso yeFiduciary Duty
Kune dzakawanda mamiriro ezvinhu umo basa rekutenda rinobuda uye hazvifaniri kutorwa zvishoma.
Zvimwe zviitiko zvinowanzodiwa zvefiduciary work zvinosanganisira:
Vakachengetedza veUTMA / UGMA Nhoroondo
Kana iwe ukaita chipo cheUTMA kumwana muduku , muchengeti ndiye ane mhosva yekuchengetedza, kuchengetedza, kuisa mari, uye, zvichida, kushandisa mari mari yacho zvakanakisisa kumwana anenge ari iye chaiyo (zvikwereti, zvisungo, pfuma, mari, zvivako zvekuisa mari, mutual fund share, kana chero zvingave) uye achagamuchira zita pamusoro pezera rekukura (nguva yekukura kunobva kuhurumende;), South Dakota inoisimudza pamakore gumi nemasere, rinotaura kuti rinotarisa pamakore makumi maviri nemaviri, asi mashomanana anotaura, akadai seNevada, Pennsylvania, uye Oregon, anobvumira munhu achiita chipo kuti azvidzivirire kusvikira ava nemakore makumi maviri nemashanu). Munhu anotarisa UTMA haagoni kuzviwanisa pfuma pamari yemwana, kutora mari yacho (kana yaiva yepakutanga inopa chipo), kana kuti zvimwe kuibata sokunge yaiva yavo.
Trust Funds Vatongi / Vatsigiri
Kana iwe ukagadzira chikwereti chezvitendi , mutongi iwe unoti ane chikwereti chebato kune avo vanobatsirwa. Ichi ndicho chimwe chezvikonzero izvo zvakakosha iwe unobvunza mibvunzo yakarurama kuti uve nechokwadi chekanaka hwakanaka usati watumidzwa mutrasti . (Kana iwe uchida nenyaya iyi, unogona kuverenga pamusoro pekugadzirisa sangano re trust .)
Gweta / Client Relationships
Mumwe gweta unofanirwa kuisa chido chakanakisisa chekwereti mberi kwezvaanofarira zvakanakisisa nguva dzose nezvishoma zvishoma, zvakanatsanangurwa zvisiri izvo.
Kuchengetedzwa kweMwana Muduku
Mune zvimwe zviitiko, munhu mukuru haafaniri kubvumirwa kuchengetwa kwemwana muduku, asi, kureva, kuchengetedza, izvo zvinobvumira munhu zvikonzero zvakasiyana-siyana kuita zvisarudzo pamusoro pezvinhu zvose kubva mumhando yezvidzidzo mukomana kana musikana achagamuchirwa kune tsika dzechitendero iyo yaanorera. Varindi vanofanirwa kuita chimwe chinhu chakanaka chechidiki kana vana vaduku vari kutarisirwa. Kutsigira kunogona kusikwa nedare, kana, zvakare, nevabereki vanofunga kuti havagoni kutarisira vana vavo nokuda kwechikonzero chimwe kana chimwe asi vachida kuchengetedza kodzero yevabereki vavo yekudzosa simba iri chero nguva.
Shingai neVaAdvisors Vanokupai Iwe Fiduciary Duty Kana Unogona
Kunyange zvazvo isiri chivimbo chekurapa kwakanaka, kana zvichikwanisika, varimi vanofanira kungoshanda chete nevaya vakasungwa nebasa rekutenda. Semuenzaniso, kana uri kutarisa kuisa mari yako, zvichida pfungwa iri nani kuedza nekuwana maitiro, anoremekedzwa kubhadhara mazano ekutsvaga mari pane kushandisa shandisi yekutengesa kunze kwekuti une chikonzero chinokurudzira chekuzvibata zvakasiyana.