Puas yog koj tus kws pab tswv yim nyiaj txiag them koj tus nqi ncaj ncees
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Peb nyuam qhuav tau txais daim ntawv no los ntawm tus nyeem ntawv uas peb xav tias tsim nyog dhia mus rau hauv, vim peb tau txais ntau cov lus nug los ntawm cov neeg nyeem txog seb tus kws pab tswv yim tus nqi puas tsim nyog:
"Tom qab ntau xyoo ntawm kev them nyiaj rau kev saib xyuas, Kuv thaum kawg tau sawv rau qhov tseeb tias nws tsis tuaj yeem nyob rau hauv cov txiaj ntsig zoo tshaj plaws yog tias tus thawj tswj hwm tau txais txiaj ntsig rau cov khoom muaj nqis hauv kev tswj hwm."
Tus nyeem ntawv no puas yog? Zoo, thawj tus qauv AUM - uas sawv cev rau cov khoom muaj nqis hauv kev tswj hwm thiab feem ntau yog 1% ntawm ib qho khoom muaj nqis - tsis yog tsis muaj kev sib cav. Thiab cov lus teb rau seb nws puas tsim nyog lossis tsis yog tsis meej txiav - thiab nyob ntawm seb lawv ua dab tsi rau koj, lawv them dab tsi, thiab ntau npaum li cas koj xav ua koj tus kheej, ntawm lwm yam teeb meem. Ntawm no yog cov pros thiab cons. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Qee tus hais tias AUM yeej tsis yog tus qauv ncaj ncees tiag tiag - thiab hais tias feem ntau cov kws pab tswv yim nyiaj txiag yuav tsum tau them nqi ib teev lossis ib qhov project. "Kuv mob siab rau tawm tsam qhov tsis muaj peev xwm ntawm AUM qauv. Nws tsis muaj kev nkag siab tsuas yog them tus nqi siab dua thiab siab dua vim tias koj cov peev txheej tau nce mus, "hais tias tus kws npaj nyiaj txiag tau lees paub David Barfield ntawm Datapoint Financial Planning.
Yog tias koj muaj peev txheej ntawm $ 1 lab nyiaj daus las thiab koj tau them 1% ntawm cov nqi AUM, koj yuav tau them kwv yees li $ 10,000 toj xyoo rau ib tus kws pab tswv yim. Yog tias $ 1 lab daus las nce mus txog $ 1.5 lab nyiaj daus las, koj tus nqi yuav nce li ntawm $ 5,000 toj xyoo mus txog $ 15,000 toj xyoo.
Puas muaj lus nug lossis lus nug txog koj tus kws pab nyiaj txiag? Email [email tiv thaiv] rau tswv yim.
Thiab Shawn Ballinger, tus kws npaj nyiaj txiag muaj ntawv pov thawj ntawm Columbus Street Financial Planning, hais tias tus kws pab tswv yim nyiaj txiag tiag tiag yuav tsum tsis txhob cuam tshuam rau kev ua lag luam. "Tus kws pab tswv yim cov nyiaj them rau lub sijhawm yuav ua rau muaj kev ua lag luam yav dhau los. Cov khoom muaj nqis raws li kev tswj hwm tus qauv (AUM) muaj qhov tsis sib haum xeeb, tshwj xeeb tshaj yog thaum tus neeg siv khoom nug seb lawv puas yuav tsum them lawv cov nqi tsev nrog kev nqis peev nrog tus kws pab tswv yim them tus nqi AUM, "hais tias Ballinger. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Dab tsi ntxiv, nws hais tias, kev lag luam tau dhau los ua kev sib ntsib nrog cov neeg siv khoom ib xyoos ib zaug, muab kev hloov tshiab ntawm kev lag luam thiab lawv cov ntaub ntawv, caw lawv noj hmo thiab them 1% los tswj lawv cov peev txheej. Presogna hais tias "Qhov no tsuas yog tsis ua haujlwm ntxiv lawm thiab tib neeg pib paub qhov ntawd," Presogna hais. Thiab nws tseem ceeb heev uas yuav tsum nco ntsoov tias cov neeg uas muaj cov ntaub ntawv me me yuav muaj sij hawm nyuaj dua nrhiav tus kws pab tswv yim AUM. Qhov no Marketwatch Picks coj Qhov tseem ceeb thaum koj yuav tsum tsis txhob them tus nqi 1% AUM thiab xav txog tus kws pab tswv yim tus nqi.
Hais tias, AUM cov kws pab tswv yim feem ntau tsim nyog koj them lawv li cas. Tus nqi ntawm tus nqi thiab tus nqi xa tawm yog tsim nyog xav txog, raws li cov ntaub ntawv pov thawj kev npaj nyiaj txiag Eric Presogna ntawm One Up Financial. "$ 10,000 ib xyoo tus nqi vaj tse lossis 1% AUM los tswj ib tus neeg lub neej txuag ntawm $ 1 lab nyiaj daus las, tsim, saib xyuas thiab hloov kho lawv cov phiaj xwm nyiaj txiag, muab kev npaj se thiab npaj, npaj vaj tse, kev tuav pov hwm, kev kawm nyiaj txiag rau lawv cov menyuam thiab ntau dua, tag nrho ntawm uas yog tus nqi-ntxiv rau tus neeg siv khoom tuaj yeem yog qhov tsis muaj tswv yim. Kuv xav tias nws los rau qhov pom tseeb ntawm cov nqi raug them thiab cov kev pabcuam muaj, "presogna hais. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Thiab Lynn Dunston, tus kws paub txog nyiaj txiag muaj ntawv pov thawj ntawm Moneta, hais tias muaj kev nkag siab tsis zoo ntawm cov neeg siv khoom thaum nws los txog rau cov nqi lus qhia raws li cov cuab yeej cuab tam. "Kuv yog tus kws npaj them nqi nkaus xwb thiab kuv ua haujlwm hauv lub peev xwm 100% ntawm lub sijhawm, thiab kuv tuaj yeem qhia koj tias muaj qhov xwm txheej tiag tiag uas cov khoom muaj nqis raws li kev tswj hwm tus nqi tsis yog tsim nyog xwb, tab sis ua tau zoo dua rau cov neeg siv khoom," hais. Dunston. Yog tias ib tus neeg muaj nyiaj txiag nyuaj heev uas yuav tsum tau siv sijhawm ntau thiab ua haujlwm sawv cev ntawm tus kws pab tswv yim, cov nqi them ib teev tuaj yeem ntxiv tau sai thiab tsim kom muaj kev cuam tshuam ntawm tus neeg siv khoom thiab tus kws pab tswv yim, tshwj xeeb tshaj yog tias tus neeg siv xav tias yuav tsum tau cap lub sij hawm tus kws pab tswv yim. ua tiav ib qho nqi.
James Kinney, tus kws pab tswv yim nyiaj txiag muaj ntawv pov thawj ntawm Financial Pathway Advisors, pom zoo kom nug koj tus kheej yog tias tus kws pab tswv yim them los ntawm tus nqi teev ib teev twg nws muaj kev txaus siab ntau dua li tus kws pab tswv yim them los ntawm AUM. “Hauv kuv qhov kev paub, tsis muaj. Qhov kuv pom yog tias kuv cov neeg siv sijhawm ib teev yuav ua thawj zaug thiab thov cov lus qhia thib ob. Kuv xav tias muaj ib tug built-in disincentive los nug cov lus qhia thaum koj paub tias nws yuav raug nqi koj ob peb puas duas las ib teev. Ntawm qhov tod tes, yog AUM tus kws pab tswv yim cov ntaub ntawv poob 10%, lawv cov nyiaj tau los poob 10% ib yam. Qhov ntawd yog qhov kev txhawb siab muaj zog los tswj kev pheej hmoo thiab rov qab los ua qhov zoo sib xws nrog lawv cov neeg siv khoom, "hais tias Kinney.
Thaum kawg, tsis muaj ib qho loj-haum-tag nrho cov lus teb - qee cov neeg, zoo li cov neeg uas xav paub ntau dua, paub txog thiab kev qhuab qhia yuav ua haujlwm zoo dua nrog tus kws pab tswv yim them nqi ib teev thaum lwm tus yuav zoo dua los muaj lub siab nyiam hauv khw. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Puas muaj lus nug lossis lus nug txog koj tus kws pab nyiaj txiag? Email [email tiv thaiv] rau tswv yim.
* Cov lus nug kho kom meej thiab meej.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/i-finally-woke-up-to-reality-ive-been-paying-a-percentage-of-my-investments-to-a-financial-adviser- for-years-now-but-i-dont-think-its-worth-it-is-a-1-fee-really-fair-01665519490?siteid=yhoof2&yptr=yahoo