Kuzarura Account Brokerage ne Full Full Service Broker kana Broker Discount
Kune mairi maviri akasiyana-siyana ematengesi ezvitoro.
Yokutanga inozivikanwa sechinyakare broker kana full-service broker. Chechipiri inozivikanwa semudzikinuri. Paunenge uzarura kambani nemutambarakede mutsika, unosvika pakushanda nemumwe munhu achava bhodhi rako rokurira; uyo anopindura foni yako uye nzvimbo dzinoshambadzira iwe.
Uyu munhu anogona kukurudzira kutenga mari kana kukubatsira kuita zvinhu zvakadai sekugadzirisa UTMA zvevana vako kuti vape zvipo zvezvikamu . Nokuda kwebasa iri, iwe uchakwaniswa kumakomisheni ayo kazhinji kanoverengeka mari yekutengesa iwe-iwe-iwe pachako pakutengesa broker. Iko-full-broker broker uye iyo yakasimba iyo inoshandisa iye kana inowanzoita mari yakawanda kubva kune yakadaro yekutengesa basa.
Kunyange zvazvo zvingasava nezvakawanda kana iwe uine hupfumi kana mumatare akakwirira anokosha - mushure mezvose, havasi vanhu vakawanda vanoona kusiyana kukuru pakati pe $ 8,95 mutemo uye $ 250.00 mutumwa kana uri kutaura nezvekutenga bhero rebhuruu chip stock inokosha ye $ 500,000 uye iwe hauri kuronga kuitengesa kwezvizvarwa, uchishandisa zvishoma nezvishoma , izvo zvinotsanangura, muchidimbu, chikonzero chakakwana-service brokers vanokumbira kune imwe yezana yevafumi-inogona kutora mudzo kana iwe vane kari kari kaduku.
Dzimwe makambani ematareji ekubhadhara anoshandisa mari yehutano yehuwandu inobatanidza mari yakagadziriswa, mari yegore negore seyero yezvigadzirwa, uye zvekutengesa mishonga. Zvimwe zvebasa zvinowanzobatanidzwa mune izvi zvinodhura uye zvichasiyana kubva kune mutengesi kune mutengesi.
Semuenzaniso, mubato wako webasa rese angakwanisa kukupa urongwa hwemari inogona kushandiswa kuburikidza nesarudzo yako yakasarudzwa yekutsvaga (semuenzaniso, kana uchida makambani akasimba akawedzera zvikamu zvavo gore negore kwemakore makumi maviri nemashanu, vanogona kuva nemharidzo yakagadzirirwa iwe inonyora zviratidzo zvemashoko , mazita, uye chikamu chekugoverwa kwekambani imwe neimwe yekutengeserana muUnited States iyo inokodzera zviyero zvako).
Anogona kugadzirira mibairo pamusoro pehupfumiro yako, kukupa kukanganiswa kwekutsvaga kwemari yako uye, zvichida, kunyange kukuwana iwe kuwanika kune imwe nzvimbo yegadziriro yemari yekubatanidza mari , mari yekuenzanisira , kana mari yekutsinhanisa-yekutengesa iwe iwe. havangakwanisi kutenga.
Kuti udzidze zvakawanda pamusoro pehurukuro iyi, verenga Isha-Yakazara Mubasa Yakakunakira Iwe Here? , iyo inobudisa humwe humwe ruzivo runogona kubatsira pakusarudza kana mari yakawedzerwa inobatsira pamamiriro ako akasiyana. A discount discount broker, zvakasiyana, anopa zvigadzirwa iwe kuti uzvitengese. Iwe unotenga kutenga uye kutengesa mirairo. Iwe hauna mumwe akamira pakati pako nemari yako kana uchida kuita chimwe chinhu chisina maturo, kusanganisira kutengesa kunze panguva yekutyisa kana kutenga mumuganhu munguva yebasa.
Kune vashandi vezvemhizha kana vane ruzivo vanochengeta mari yavo pachavo, izvi zvinogona kuva zvakanaka nekuti haubhadhara mari yeushumiri hwausingadi kana hunodikanwa. Semuenzaniso, E-Trade rekodha yekutengeserana ibasa rekutsvaga rekwereti. Dzimwe makambani okushambadzira anopa zvose zvemadzitateguru uye kubhadhara mabhengi eakaiti kune vanoita mari, vachivabvumira kusarudza izvo zvinoshanda zviri nani kumamiriro avo.
Bhuku Rekuvhara Rakaderera Rinotarisirwa kuAkaunti yeKubhadhara
Kusiyana kwekambani dzekwereti kune zvakasiyana-siyana zvekuzarura zvinodiwa.
Dzimwe makambani ekudhinda achaisa zvishoma pa $ 1 000, $ 2,000, kana kupfuura. Vamwe vanogona kukubvumira kuzarura kambani nemari shoma yemari chero bedzi iwe uchibvumirana kugara uine mari, kazhinji pamwedzi wega wega, kubva kune chekubatanidza kuongororwa kana kugadzirisa kero . Kana iwe ukakundikana kuchengetedza chikamu chiduku chekuzarura kana imwe imwe yero zvishoma kubhadhara zvinodiwa, chii chiripo?
Idziro, Zvimwe, uye Zvishandiso Zviripo Paunenge Uzarura Aunti Yako
Nevashandi vese-service, izvi zvisinganyanyi kukosha kukurukurirana nokuti iwe unogona kuwana mukana wekutengesa iwe pachako, ndiani angashanda newe kuti aone zvakajeka kutsvaga kwekutsvaga kwekutsvaga uye nemishumo. Nokuda kwekutengesa vatengesi, kune rumwe rutivi, musiyano muzvipo unogona kuva wakakosha.
Mamwe mapikisi achapa vashandi rusununguko rwekuwana hutano uye mutual fund research data kubva Morningstar, Thomson Reuters, Standard uye Poor's, Credit Suisse, uye mamwe masangano uye mabhengi ekutsvaga .
(Zvinosuruvarisa, ini handizivi nezvekambani yekubhadhara iyo ichaita kuti iwe usvike kune imwe yepamusoro yekutsvaga kutsvakurudza mishonga munyika, Value Line Investment Survey , yaunofanira kubhadhara kunze kwehomwe. Zvakakosha mari.) Vakawanda Imari yekutengeserana yakaita nekambani makambani makuru ekadhi rechikwereti mazuva ano kuitira kuti vatengi vane rekwereti yekwereti vanogona kushandisa zvimwe zvipo zvisingawaniki kuvanhu vose.
American Express naCharles Schwab munguva pfupi yapfuura vakashandisa maitiro akareba apo maimbova akabudisa makadhi maviri ane mazita ezita rekupedzisira, achibvumira muchengeti wekadhi kuti awane zvikwereti zvichienderana nehuwandu hwaSwawa hwekambani yekambani yekodha pamwe nemari yemari yemari mu inosangana nekambani yekambani inoshandiswa yakavakirwa pamubhadharo wakaiswa kadhi.
Imwe kadhi inopa 1.5% mumari yakadzoka pakarepo pane zvose zvakakodzera kutenga, imwe inokubvumira kuti uchinje maAmerica mubayiro wemari muhomwe mari muSchwab. Zvimwe zvikwereti zvezvekwereti pane dzimwe dzimba dzekwereti dzichakwanisa kuisa hurumende kusununguka mune zvimwe zvigadziro zvinosanganisira kusungirirana mari, kutengesa-kutengesa mari, uye kurondedzera mari. Kune vashandi vashomanana vanoshandira mari shoma, iyi inogona kuva nzira yakanaka yekuchengetedza mari.
Zvinowanikwa neWebsite uye Phone Phone yeKubhadhara Kwako Zvakasimba Zvakafanana
Usati wasvhura nhoroondo, iwe unofanira kupisa iwe unofarira Internet browser uye shanyira peji yewebhu pane imwe neimwe yezvikwereti zvekubhadhara iwe uri kufunga. Kana uchironga pakuita tsvakurudzo yako yakawanda kana kutengeserana muIndaneti, kunzwa kwewebsite kunenge kwave kwakakosha sezvimwe zvibatsiro nemabasa anopiwa. Dzimwe dzimba dzekutengeserana dzave dzichinyanya kuzivikanwa kuti nzvimbo dzinenge dzichienda kune dzimwe nzvimbo panguva dzepamusoro pamisika yemagetsi kana kutengeserana. Vamwe vanotumira vashandi vekambani yekwereti kuburikidza neby maze yekutumira mazwi asati asvika kumunhu.
Izvozvo zvinodzidzisa sei Account Statements Zviri paAkaunti yeKubhadhara
Kwemakore, ini nemhuri yangu tine zvikwereti zvakasiyana zvakasiyana zvekwereta kune dzimwe nzvimbo dzakasiyana-siyana. Chimwe chechinhu chinondishamisa ndechekusiyana kwemashoko mumashoko akataurwa nemamwe makambani akasiyana nevamwe.
Kwemakore masere apfuura, chekuchengetedza chikuru chatakashandisa ndechokuti, maoko pasi, zvakanakisisa. Chero pese patinozarura imwe nhoroondo, ndinovabvunza uye ndinoita kuti vashandure kune imwe nzvimbo iyo isiri iyo yakawanda isina kukwana. Izvi zvakashandurwa kurongwa kunondibvumira kuti ndione zvinhu zvakadai senhamba yakawanda yemazuva, pane imwe-yakawanda, nzvimbo imwe neimwe yakave yakasununguka, inofungidzira mari yegore negore kubva kune zvikamu uye chikwereti , uye kuvhara zvivimbiso neatset class .
Iwe unogonawo kutarisa kutarisa mabhizimisi ekutengeserana kwekambani , zvakare. Ndaimbova nenhoroondo nehukama hwebhanhire rinoremekedzwa . Izvo zvinoshandiswa zvekutengeserana zvinowanzoratidzika nezvakakosha, zvikanganiso zvenyama kune avo vangada kururamiswa pakarepo.
Kuzarura Nhamba yeKubhadhara Kwekambani Account kana Cash Brokerage Account
Ndakataura newe pamusoro pokutenga chikwata pamuganhu . Ndatsanangura kuti sei, kune vashandi vakawanda pasi pemamiriro ezvinhu akawanda, zvinoratidzika seveve mbeveve. Iyo inokutsanangurira kune njodzi dzausingafaniri kujekesa uye dzinokurudzira izvo zvinoenderana nemumwe wako mumari yako yekuita zvisarudzo mune kuti uyo anokweretesa (wako mutengesi) anokwanisa kusarudza kuti anoda kutengesa nzvimbo dzako kunyange kana asina kutarisirwa, kuvhara mu kurasikirwa kwako.
Kana iwe uchienda kunotengeserana mumuganhu, ungada kuona kuti iyo rekwereti yekwereti inogadzira sei miganhu yaro (semuenzaniso, vamwe vatengesi vemabhizimisi vanoda fomu yepamusoro yepamusoro mazita ekuzivikanwa inozivikanwa se "marginal portfolio" mubhuku ravo rekutengeserana), uye mitero iyo chikwereti chikwereti chinowedzera.
Iwe pachako, wakapiwa kunetseka kwandinoita kuti rehypothecation inogona kuva dambudziko mumamiriro ezvinhu akaipa, ndinokurudzira kuti uzarure kambani yemari , panzvimbo. Hongu, zvishoma zvishoma asi zvinokupa humwe huviriro hwandinofunga kuti hwakakosha (dambudziko) dambudziko.
Nzirai Inoshandisa Nhepfenyuro Yakasimba Kubhadharwa Kwekubhadharisa Is Is uye SIPC Insurance Coverage
Masangano emari, kusanganisira makambani ekutengeserana, anokundikana. Imwe nzira yekuderedza dambudziko rekubatwa muhutano ndechokuzarura maakareji ezvekwereti pane masangano akasimba. Mabhengi achaita kuti zvikwereti zvavo zvezvemari zviwanikwe iwe kuti uongorore, uye vazhinji vanobatanidzwa pachena, zvakadaro, saka unogonawo kuziva nezvekambani yavo yevabereki kuburikidza neFomu 10-K uye mushumo wegore , pakati pezvimwe zviwanikwa.
Kunze kweizvi, unoda kubvunza pamusoro pehuwandu hweSIPC hwehuwandu . Mune mamwe mamiriro ezvinhu, iwe unogona kuongorora kuvhara uye kutonga, kunyatsotarisa, uye kungosimbisa zviripo muakaunti yako yekutengeserana nenzira inokupa kudzivirirwa kwakanyanya nguva dzose, kusanganisira kubatana kune dzimwe mitsara yekambani kana kutengeswa kwemhando dzakasiyana dzevhudziro .
Vamwe vatengesi, kunyanya varimi vepfuma, vanosarudza kushandisa kambani yekuchengetedza pane imwe nzvimbo yakasarura kunze kwekambani yekutengeserana inobata kushandiswa kwemabasa avo. Zvimwe, iwe unogona kusarudza kuti unoda kuenda kune zvinodhura uye kukanganisa kwekuve nemari yako yakanyoreswa kuburikidza neCDS .