Financial Consultant-Definition and History

Zita rakashandurwa asi mabasa acho akafanana

"Mutungamiri wezvemari" ibasa rimwe chete rakasimbiswa rakatsiviwa ne " mutungamiri wezvemari " pane mamwe mapeji ehurumende. Basa rakashandiswa kuzivikaniswa nekodhoquially pakati pevanhu vose sevatengesi kana vatengesi vemabhizimisi uye zita rinonyanya kushanda rekushandiswa rinoshandiswa nehuwandu hwekuchengetedza firms firms raiva mukuru mukuru kana mumiririri akanyorwa.

Nzvimbo yacho yave ichizivikanwa seyo executive executive, mumiririri akanyorwa, uye mutariri wezvemari.

Detail, Responsibilities and Specialization

Kudzoka mumazuva apo vadzidzisi vezvemari vaiwanzowanika mune zvemari dzemakambani makambani, mabasa avo emabasa akanga akafanana neavo nhasi. Zvose izvo chaizvo zvakashandurwa ndiro zita.

Vashandi vezvemari vanopa zano vatengi pamikana yekutsvaga uye izvi zvinoda kugara kusvikira paminiti nekuchinja kwemashamba. Vanofanirwa kuva vatengesi vanotengesa, vanozvitengesa, mafemu avo, uye mazano avo ekutsvaga mari.

Vamwe vadzidzisi vezvemari vanoshumira vanhu chete asi vamwe vanoshanda chete mabhizimisi akadai semaketani ekutengesa kana masangano.

Compensation Packages

Kupiridzwa kunowanzoitwa nekutumirwa, asi vamwe vadzidzisi vezvemari vanobhadhara miripo uye vanowedzera kubhadharwa kuburikidza nemapurogiramu ebhonasi uye kugoverana kwebatsiro.

Pasi pose, kubhadhara kunogona kubva kune zvishoma kudarika $ 36,000 pagore kune avo vari kungotanga uye vasati vasimbisa chikwereti chakakosha kusvika kune $ 170,000 pagore kune vadzidzisi vane ruzivo.

Sezvakawanda mumabasa, kubhadhara kunowedzera kuwedzera nekukura uye kusimbiswa kwekambani nehomwe yemari inowanikwa munzvimbo inenge ye $ 57,000 kumativi ose emafemu.

Basa racho rinoda kutsaurira uye nguva yakawanda kuzvipira. Vazhinji vadzidzisi vezvemari vanoshanda kwemaawa makumi mashanu nevhiki uye kushanda maawa 80 pavhiki hazvisi zvisizvo.

Nhoroondo Itsva

Nzvimbo dzakawanda dzekutengesa mabhizimisi ekutsvaga mabhizimisi dzakanga dzatanga izvo nhasi zvingazonzi kudzorerwa kwechigaro ichi nema1980. Vakatsvaka kuvandudza chimiro chavo uye zita rokuti "mutungamiri wezvemari" raive sarudzo yakakurumbira mumahofisi mazhinji.

Chinangwa chakanga chiri chekutora chifananidzo chekare chemutengesi anotengesa mutengesi ane imwe itsva yedzidzo yepamutemo yakadzidziswa zvikuru iyo yakapa mazano ekutsanangurira mazano uye mazano kune vatengi.

"Mutungamiri wezvemari" akatanga kuwana mukududzirwa kwekutanga kwema1990 asi imwezve yekudzokorora basa. Makambani mazhinji aifunga kuti chirevo ichi chichitaura chifananidzo chavanoda kuita zvakanyanya kupfuura "mutariri wemari". Zvaiita sokuti kushanduka kwakajeka kwakapiwa kuti basa rekupa mazano raiva chikamu chikuru chemufananidzo we "consultant".

Merrill Lynch Anouya paBhodi

Zvinofadza, mishonga yekutengeserana yekutengeserana mutungamiri mutungamiri Merrill Lynch ndiye wekupedzisira wemafisi makuru kuti aite shanduko iyi. Dhipatimendi rayo rekuteerera rakanga rine simba uye rakangwarira zvakare mumazuva iwayo.

Merrill Lynch aitya kuti kushandiswa kwezita rokuti "mutungamiri wezvemari" kunogona kuva nemitemo yakakura yepamutemo uye yekutonga kuburikidza nekureva kuti avo vane vhesi iyo vaizozviisa pasi pemitemo yakawanda yakawanda.

Nzira yakasununguka yakasununguka tsika yakarongedza zviito zvevatengesi, vatariri vebhuku, nevamiririri vakanyoresa.

Zvechokwadi, mabhizinesi akasiyana-siyana uye nezvemari zvakadai seThe Wall Street Journal, Barron's, uye Forbes nguva dzose vanongoronga kuti mutungamiri wezvemari wezita akatakura zvakadaro. Vhidhiyo vemazuva ano vakakumbira fiduciary standard inofanira kuiswa kune vayo.

Sezvakazoitika, kutya kwaMerrill kwakave kusina kukwana uye kwakaguma kunzi mazano avo vezvemari sevadzidzisi vemari.

Sezvo chiri chikonzero chekuvhiringidza kwakawedzerwa, Chartered Financial Consultant (ChFC) kudanwa kunonzi chirongwa chevatori vemari .