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Lus Nug: Kuv tuav kwv yees li ib lab daus las hauv cov khoom lag luam thiab ETFs, tsis suav IRA me me thiab 401 (k). Kuv cov kev tuav pov hwm yog tag nrho hauv tus account brokerage ntawm ib lub tsev brokerage loj. Kuv tau txais cov lus qhia dav dav thiab cov khoom lag luam los ntawm lawv, uas feem ntau kuv tsis ua raws li vim tias kuv yog cov neeg so haujlwm so haujlwm, cov neeg ua lag luam mus sij hawm ntev tsom rau cov nyiaj tau los thiab kev txuag peev nrog tej zaum 20% ntawm kev tuav hauv "kev loj hlob" cov khoom lag luam.
Qhov kuv tab tom nrhiav yog tus kws pab tswv yim uas yuav tshuaj xyuas kuv qhov tuav ob zaug hauv ib xyoos thiab muab qee cov lus qhia tshwj xeeb rau kuv. Kuv xav hais kom them nyiaj ib xyoos ib zaug uas yog inline nrog tus nqi ib teev uas kuv yuav them tus kws lij choj lossis lwm tus kws tshaj lij, tsis yog 1% ib xyoos, uas yog $ 10,000 ntawm ib lab nyiaj. Qhov no puas yog qhov kev thov tsim nyog thiab qhov twg kuv yuav tsum nrhiav tus neeg uas haum rau daim nqi? (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab thiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
teb: Koj qhov kev thov yog qhov tsim nyog kiag li. Thaum 1% ntawm cov khoom muaj nqis raws li kev tswj hwm tus nqi tau dhau los ua tus qauv hauv kev lag luam nyiaj txiag, nws yog a) tsis yog ib txwm muaj txiaj ntsig zoo ntawm cov neeg siv khoom, thiab b) ntau tus kws pab tswv yim yuav them rau koj hauv txoj hauv kev uas yuav ua rau koj nkag siab ntau dua rau koj. Cia peb tshawb txog ob lub ntsiab lus no.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav tus tshiab? Email [email tiv thaiv].
Ua ntej tshaj plaws, tus nqi 1% tuaj yeem tsim qee qhov kev ntxhov siab. "Kev ua kom tus tswv hauj lwm cov nyiaj laus laus tsis tu ncua tuaj yeem muaj txiaj ntsig zoo rau tus neeg siv khoom, tab sis txo tus nqi tus kws pab tswv yim. Txawm tias cov kws pab tswv yim them nqi nkaus xwb uas ua raws li cov neeg muaj peev xwm muaj peev xwm tsis sib haum xeeb raws li lawv cov nyiaj tau los tsuas yog tus nqi tswj kev nqis peev, "hais tias Jason Co ntawm Co Planning Group.
Dab tsi ntxiv, tus nqi 1% ua rau muaj kev nkag siab hauv qee qhov xwm txheej, thiab tsis nyob hauv lwm tus, uas peb nthuav dav ntawm no MarketWatch Picks piece no. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab thiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Hauv kaum xyoo dhau los, kev lag luam kev pabcuam nyiaj txiag tau hloov zuj zus los txhawb kev ua lag luam lwm yam qauv uas nyiam cov neeg siv khoom nyiam. "Tam sim no muaj ntau yam qauv nqi muaj rau cov neeg siv khoom, suav nrog cov nqi tshuaj xyuas ib zaug, sau nqi teev thiab cov nqi them txhua xyoo rau kev tswj hwm kev nqis peev thiab kev npaj nyiaj txiag. Tej zaum nws yuav tsim nyog nrhiav tus kws pab tswv yim nyiaj txiag ncaj ncees, uas muab kev tswj hwm kev nqis peev tsis tu ncua uas phim koj cov kev npaj nyiaj txiag, "hais tias Co.
Txawm hais tias nws yuav nyuaj dua los nrhiav tus kws pab tswv yim ua haujlwm ib teev lossis ib qhov project, nws nyob deb ntawm qhov ua tsis tau. Cov kws tshaj lij pom zoo saib qee tus kws pab tswv yim tau teev tseg los ntawm Lub Koom Haum Pabcuam Hauv Tebchaws ntawm Tus Kheej Nyiaj Txiag (NAPFA), Garrett Planning Network lossis XY Planning Network. Txawm hais tias XY Planning Network tsom ntsoov rau ntau txhiab xyoo, lawv kuj muaj cov kws pab tswv yim tshwj xeeb hauv kev pab tus menyuam mos.
Qee tus kws tshaj lij hais tias koj tuaj yeem xav mus saib rau tus kws pab tswv yim uas them tus nqi tsev lossis tus nqi ua ntej. Qhov tseeb, tus kws npaj nyiaj txiag muaj ntawv pov thawj Julia Lilly ntawm Ryerson Financial hais tias tus nqi qis, tus kws pab tswv yim nkaus xwb yog qhov kev xaiv zoo tshaj plaws rau ib tus neeg hauv koj qhov xwm txheej. "Tus qauv no yog ib txoj hauv kev zoo kom tau txais cov lus qhia ntawm koj qhov xwm txheej nyiaj txiag tshwj xeeb thaum zam kev siv nyiaj ntau dua nrog cov kws pab tswv yim uas them raws li tus nqi ntawm cov cuab tam raws li kev tswj hwm (AUM)," hais Lilly. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab thiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Cov kws pab tswv yim them nqi ncaj qha qhia tag nrho cov nqi ntawm kev sib koom ua ntej, yog li koj yuav tsum tsis txhob muaj qhov xav tsis thoob txog tus nqi tiag tiag ntawm koj txoj kev npaj nyiaj txiag. Nyob ntawm seb koj nyob qhov twg thiab theem ntawm kev paub koj tus kws pab tswv yim muaj, koj tuaj yeem cia siab tias yuav them qhov twg los ntawm $ 2,000 txog $ 10,000 txhua xyoo. "Rau kuv, peb tau them $ 5,000 ib xyoos ib zaug, them nqi rau peb lub hlis twg hauv qhov kev txiav txim, uas suav nrog kev npaj nyiaj txiag tag nrho tab sis tsis muaj kev tswj hwm nyiaj txiag, kev sib tham tsis txwv thiab email," hais tias Lauren Lindsay, tus kws npaj nyiaj txiag tau lees paub ntawm Beacon Financial Planning hauv Houston. Lub caij no, tus kws npaj nyiaj txiag muaj ntawv pov thawj Elyse Foster ntawm Harbor Wealth Management hais tias koj yuav tsum cia siab tias yuav them ntawm $ 4,000 thiab $ 5,000 rau kev npaj-tsuas yog kev koom tes. Foster hais tias "Tus nqi qis feem ntau ua rau muaj kev nkag siab ntau dua li ib teev, raws li ib teev tuaj yeem tau kim," Foster hais.
Raws li lawv ua haujlwm li cas, cov nqi vaj tse ua haujlwm raws li tus neeg tuav haujlwm txhua xyoo them txhua hli, peb lub hlis twg lossis ib xyoos. "Feem ntau muaj kev nce ntxiv txhua xyoo rau ib tus as-qhauj rau cov nqi nce ntxiv ntawm kev nce nqi raws sijhawm, feem ntau 2% mus rau 3%. Ib qho $ 1 lab nyiaj daus las nrog 6% kev loj hlob tus nqi, $ 7,500 tus nqi them los ntawm sab nraud cov ntaub ntawv pov thawj nrog 2% nce txhua xyoo yuav raug nqi rau ib tus neeg $ 91,265 nyob rau hauv 10 xyoo, whereas 1% AUM qauv yuav raug nqi $ 158,699 tshaj tib yam. lub sijhawm, ”Russell hais. Qhov ntawd yog qhov sib txawv ntawm $ 67,434 thiab tshaj li 20 xyoo, tus lej ntawd nce mus txog $ 234,629.
Cov lus nug edited rau brevity thiab clarity.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav tus tshiab? Email [email tiv thaiv].
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.
Source: https://www.marketwatch.com/picks/im-retired-with-about-1-million-invested-paying-my-adviser-1-would-cost-me-10k-a-year-no-thanks-id-rather-pay-someone-hourly-for-help-a-couple-times-a-year-is-this-reasonable-feb68fcc?siteid=yhoof2&yptr=yahoo