Kune Vashandi veMari
Zvingangodaro zvinokonzera kuvhiringidzika zvinobva pakuziva kuti mutungamiri wehutano wezvezvemari anogona kushandiswa kune vose vashandi vekutsvaga vatengesi vanoita maererano nehutano hwakakosha uye avo vakanyoresa varairidzi vesaiti vanoita basa pasi pemutambo wefiduciary. Kunyange zvazvo hutungamiri hwehutano hwekwenyidzana hwevadzinza huri nguva yakareba yakagadziriswa pakati pezvaimbove, iyo yekupedzisira inoshanda pamutengo chete.
Mutungamiri wezvemarikero mubhadharo inogona kusiyanisa nerudzi rwekuchengetedzwa kunotengeswa, uye kazhinji purogiramu iye anoramba achiwedzera apo mamiriyoni emitambo (kana zvikwereti zvekugadzira) zvakagadzirwa munguva yegore kuwedzerwa. Inowanzotumidzwa semutungamiri wemari wekubhadhara mari. Chikwata chekambani chemari yekubhadhara chinowanzodanwa grid rayo yekubhadhara .
Makomborero kuMutengi:
Kutsigira mumiririri wezvemari kubhadhara kumakomisheni kazhinji ndiyo inonyanya kukosha kune vashandi venguva refu vevatengesi, mushure mekutenga uye kubata sarudzo yekutsvaga pane imwe inosanganisira kutengeserana nguva dzose uye nekukurumidza kudhura chikwereti.
Ichokwadi chaizvo kana muchengeti ari kunyanya kuzvidzora uye kutarisira mari, asingadi kuenderera mberi uye mazano kubva kumudzidzisi wezvemari.
Makomborero kune Muchengeti Wezvemari:
Kune vadzidzisi vezvemari avo vane utsinye uye vane unyanzvi mukutengesa, uye vane vashandi vakagadzikana nehutano hwekutsvaga hunobatanidza kuwanda kwekutengeserana, chirongwa chekubhadhara chemishonga chinogona kupa zvikwereti zvakakwirira zvakanyanya kudarika dzimwe nzira.
Zvisinei, iyo inoshingaira mutengesi kune mutengi, uye yakawanda mari yezvemari inowanikwa mubhuku rekweretesi, zvinowanzoita kuti muchengeti atange (uye kuti agamuchire) achiwedzera kuwedzerwa mitemo yepamusoro zvichienderana nemitengo yakatarwa inoshandiswa nekambani. Vaya vanonyanya kuvimba uye vane utsinye vanopa mazano vezvemari vanowanzobudirira mukubata mutsetse unorwisana nevanowirirana nevatengi kune zvikwereti mumamiriro ezvinhu aya.
Kurwisana kwekufarira:
Apo mutungamiri wezvemari ari pane komisheni yekutumirwa, pane kukakavara kwakajeka kwechido, zvichipiwa kuti mubhadharo unobatanidza zvakananga kuunza kutengesa, panzvimbo pekutsvaga kushandiswa. Muitiro uyo vadzidzisi vezvematongerwe enyika vasingatsvaki kuedza kukurisa basa ravo rekubhadhara zvizere kuburikidza nekutengeserana zvakanyanya kunoshandurwa se churning.
Churning inongova nengozi chaiyo neinoti "discretionary accounts", umo mupi wezano wezvemari akapiwa kukwanisa kupinda maitiro pamusana pekufunga kwake, pasina kutanga kuwana ruzivo rwakajeka kubva kune mutengi. Neyo isiri-discretionary account, mutungamiri wezvemari anofanira kuwana mvumo yakadaro kubva kumuteereri kwezvinhu zvose zvaanenge ataura. Kukurukurirana kwefoni kunokwana senzira yekuwana kubvumirana kwakadaro.
Nemhaka yezvingave zvisingakwanisi kutongerwa mumutemo, masangano ekuteerera mune mamwe mabhizimisi ekuchengetedza mabhizimisi anowedzera kuisa zvipingamupinyi zvakasimba pakukwanisa kwevatengi kuzarura zvinyorwa zvinonzwisisika.
Kuwanda:
Pakati pekubhadhara kushandiswa kwevekurima mazano avo vanoshandisa fiduciary basis vanoshumira kune vamwe vatengi uye vane $ 25 mamiriyoni muzvinhu zvevashandi (avo vauzi mazano vanofanirwawo kunyoresa kuti vaite sevatengesi / vatengesi), muzana yevaya vanowana mishandi ave:
- 22% muna 2010
- 23% muna 2009
- 24% muna 2008
Cherechedza kuti vamwe vevarayiridzi vekutsvaga vanoverengerwa pano vanobvuma zvirongwa zvakawanda zvekubhadhara, izvo zvinopesana nekateeresi kana kateereteti. Nokudaro zvikamu zvekudzidza iyi zvinowedzera kune zvinopfuura zana muzana pamarudzi ose ekubhadhara.
Iyi nhamba inobva mukudzidza naDoks Lukas Dean, Mutevedzeri Purofesa uye Financial Planning Program Director paCotsakos College yeBhizimisi paWilliam Paterson University muNew Jersey.
Zviwanikwa zvechidzidzo ichi zvakataurwa mu "Maitiro Okubhadhara Mutungamiri Wemari Wako," The Wall Street Journal , December 12, 2011.