Txoj cai dav dav rau tus nqi kws pab tswv yim nyiaj txiag yog kwv yees li 1%. Tshwj xeeb tshaj yog, raws li a 2019 kev kawm los ntawm RIA hauv ib lub thawv, tus nqi nruab nrab ntawm tus kws pab tswv yim nyiaj txiag ruaj khov yog sib npaug li 1.17% ntawm cov cuab tam raws li kev tswj hwm (AUM), piv rau 0.95% qhov nruab nrab xyoo 2018. Piv txwv li, $ 1 lab tus account yuav tsum tau them. peev cov nqi tswj hwm ntawm kwv yees li $ 11,700 toj xyoo rau cov kev pabcuam ua haujlwm, thiab cov nqi yuav raug them txhua lub hlis twg. Muaj ntau ntau lwm yam thiab variations thaum nws los txog rau cov nqi peev.
Txawm hais tias cov ntaub ntawv raug tshaj plaws raws li nws cuam tshuam rau koj tus kheej qhov xwm txheej yuav los ntawm kev nrhiav thiab muaj peev xwm sab laj nrog a professional nyiaj txiag advisor, nws pab kom paub cov txiv ntseej thiab bolts.
Cov Nqi Them Nqi Them Nqi Them Nqi Them Li Cas?
Kev tswj hwm kev nqis peev suav nrog kev ntsuam xyuas kev tshaj lij thiab kev tswj hwm cov khoom muaj nqis. Cov cuab yeej cuab tam tuaj yeem poob rau hauv ntau hom, lossis cov chav kawm, suav nrog cov khoom lag luam, cov ntawv cog lus, cov nyiaj sib koom, ETFs thiab lwm yam kev nqis peev xws li vaj tse, khoom muag, thiab lwm yam.
Ib feem ntawm koj cov nqi tswj kev nqis peev yuav mus rau kev txhawb nqa ntawm qhov no tsom xam. Cov kws pab tswv yim txog nyiaj txiag thiab lawv pab pawg yog lub luag haujlwm rau kev tshawb nrhiav kev lag luam thiab cov qauv thiab tsim cov tswv yim txhawm rau coj koj cov nyiaj mus rau nws lub peev xwm. Qee qhov kev xav txog kev nqis peev thiab cov tswv yim uas feem ntau siv suav nrog:
Cov tuam txhab tseem xav txog tej yam xws li kev pheej hmoo siab, lub sijhawm lub qab ntug, kev xav tau nyiaj txiag thiab cov nyiaj tau los thiab cov hom phiaj nyiaj txiag lossis peev peev uas koj muaj thaum muab cov tswv yim no ua ke.
Hom Nqi thiab Cov Nqi Them Nqi
Ntau zaus, cov kws pab tswv yim muaj lub sijhawm los khwv tau nyiaj los ntawm kev muag kev tuav pov hwm, uas yog ib qho kev pabcuam uas tej zaum yuav poob rau sab nraud ntawm kev saib xyuas ntawm qhov nruab nrab kev tswj xyuas kev nqis peev. Yog tias qhov no siv rau lub tuam txhab, nws yuav ua rau lub tuam txhab ruaj khov nqi raws li, raws li nws tau txais cov nyiaj tau los ntawm ob tus neeg siv cov nqi thiab cov peev txheej sab nraud. Qhov no txawv ntawm a tus nqi nkaus xwb ruaj, uas zam qhov kev tsis sib haum xeeb ntawm kev txaus siab los ntawm tsuas yog khwv tau nyiaj los ntawm cov nqi uas cov neeg siv khoom them.
Wrap cov kev pab cuam yog lwm hom qauv nqi uas cov tuam txhab ua haujlwm uas tseem ua ke ua ke ntau dua li cov kev pabcuam ib txwm muaj hauv ib pob. Cov nqi qhwv suav nrog cov nqi ua lag luam, cov nqi them nyiaj, cov nqi tswj hwm thiab lwm yam kev nqis peev hauv ib qho nqi.
Tsis tas li ntawd, cov nqi kuj tuaj yeem kho tau, uas tsis yog raws li AUM. Qee zaum qee cov kev pabcuam raug muab rau tus nqi tiaj tus lossis ntawm tus nqi ib teev. Feem ntau, cov kev pabcuam tau muab rau cov nqi no tsis suav nrog cov kev pabcuam kev nqis peev nruab nrab tab sis cov kev pabcuam ib zaug xws li kev npaj nyiaj txiag luv luv lossis kev sib tham.
Txhawm rau kom paub cov ntaub ntawv tshwj xeeb, ib qho peev txheej uas muaj rau cov tub ua lag luam thiab cov neeg siv khoom ntawm lub tuam txhab pab tswv yim yog lub tuam txhab. Form ADV, uas cov ntaub ntawv ruaj khov nrog Securities thiab Exchange Commission (SEC) raws li cov cai tshwj xeeb. Koj yuav tsum tau saib daim foos ADV ua tib zoo - muaj ntau cov ntawv luam zoo - kom nkag siab txog hom nqi thiab cov nqi teev sijhawm. Muaj ib tus kws pab tswv yim nyiaj txiag los tham nrog yuav tso cai rau tus kws tshaj lij los coj koj mus txog tag nrho cov ntsiab lus me me.
Lwm Cov Nqi Saib Xyuas Rau
Txawm hais tias kev nqis peev nrog kev pab los ntawm ib lub tuam txhab kws pab tswv yim lossis ntawm koj tus kheej, nws tseem ceeb heev kom nkag siab txhua yam uas koj cov nqi mus rau, thiab lwm yam nqi yuav tsim nyog. Lwm cov nqi uas cov neeg siv khoom yuav tsum tau them suav nrog qee cov nqi sib pauv thiab tus nqi brokerage. Raws li tau hais los saum toj no, qee qhov commissions tuaj yeem siv, thiab cov nqi raws li kev ua haujlwm. Kev tshawb fawb ntxiv rau txhua lub tuam txhab uas koj xav txog yuav pab koj nkag siab seb puas lossis tsis yog ib qho ntawm cov nuj nqis no twb suav nrog cov nqi nruab nrab.
Robo-Advisor Fees
Rau cov neeg tshiab los yog muaj cov nyiaj tshuav me me pib nrog, nws yuav muaj txiaj ntsig zoo los txiav txim siab ua haujlwm nrog robo-kws pab tswv yim. Feem ntau, robo-tus kws pab tswv yim them nqi qis dua li cov kws pab tswv yim ib txwm muaj, nrog qee tus nqi qis li 0.25% txog 0.89% ntawm AUM. Txawv platforms yuav muab ntau theem kev pabcuam, kev npaj thiab nkag mus rau cov peev txheej.
kab hauv qab
Tus nqi tswj hwm kev nqis peev nruab nrab yog ntau dua 1% rau $ 1 lab hauv cov cuab tam raws li kev tswj hwm. Nws yog ib qho tseem ceeb kom paub seb cov tuam txhab them nqi dab tsi tuaj yeem them thiab lawv tsim lawv li cas. Yog tias koj tsis tau npaj ua haujlwm nrog lub tuam txhab tawm tswv yim uas ua haujlwm nrog cov nyiaj AUM siab dua thiab yuav them nyiaj ntau dua, koj yuav xav saib qhov ua tau ntawm kev siv robo-advisor. Txawm li cas los xij, lawv yuav tsis tuaj yeem daws cov teeb meem nyiaj txiag nyuaj nrog cov kws tshaj lij uas tus kws tshaj lij kws tshaj lij tuaj yeem ua tau.
Tswv yim rau cov neeg lag luam
Yog tias koj feem ntau nqis peev los tsim kom muaj kev ruaj ntseg nyiaj laus, tom qab ntawd xav txog kev kuaj xyuas peb nyiaj laus lub laij lej. Tsuas yog xuas nrig ntaus hauv koj cov nyiaj khaws cia tam sim no, koj lub hom phiaj hnub nyoog so haujlwm thiab ob peb lwm cov ntsiab lus, thiab lub laij lej yuav qhia seb koj puas ua tau raws li koj cov nyiaj laus xav tau.
Nrhiav tau tus tsim nyog tus kws pab tswv yim nyiaj txiag tsis tas yuav nyuaj. SmartAsset lub cuab yeej pub dawb phim koj nrog txog peb tus kws pab tswv yim nyiaj txiag hauv koj cheeb tsam, thiab koj tuaj yeem xam phaj koj tus kws pab tswv yim sib tw yam tsis muaj nqi los txiav txim seb qhov twg yog qhov zoo rau koj. Yog tias koj npaj siab nrhiav tus kws pab tswv yim uas tuaj yeem pab koj ua tiav koj cov hom phiaj nyiaj txiag, tau pib tam sim no.
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