Yuav ua li cas paub yog tias koj tus kws pab tswv yim nyiaj txiag tsim nyog rau cov nyiaj.
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Lus Nug: Tom qab peb thawj tus kws pab tswv yim nyiaj txiag so haujlwm, peb tau xaiv ib qho tshiab uas nws pom zoo los txuas ntxiv peb txoj kev sib raug zoo nrog lub tuam txhab. Peb tus nqi tas li ntawm $ 1,700 toj xyoo hloov mus rau 0.9% ntawm peb cov cuab tam raws li kev tswj hwm. Qhov ntawd txhais tau tias tus nqi yog nyob ib ncig ntawm $ 20,000 hauv ib xyoos. Xyoo no peb tau ntxiv txoj kev sab qaum teb ntawm $ 1 lab rau peb cov peev txheej los ntawm qub txeeg qub teg. Tab sis tseem peb tus kws pab tswv yim yuav tsis mus nrog tus nqi qis lossis tus nqi qis dua. Yog lawm, peb tus kws pab tswv yim yog tus ua tau zoo tshaj plaws, tab sis zoo li txhua tus neeg, peb cov ntaub ntawv tau txais txiaj ntsig zoo rau xyoo no thiab tus nqi yuav zoo dua $ 20,000. Peb puas yuav tau mus nrhiav tus nqi them txawm tias nws txhais tau tias hloov cov kws pab tswv yim? Qhov 10 lossis 15 npaug ntawm tus nqi qub txhua xyoo tau nug kuv yog tias peb nyob hauv txoj kev sib raug zoo. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab thiab? Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim nyiaj txiag uas yuav ua tau raws li koj xav tau ntawm no.)
teb: Cov lus teb tsis yog ib qho yooj yim, tab sis cia peb pib nrog tus nqi 0.9%, uas cov kws tshaj lij hais tias yog tus qauv zoo nkauj hauv kev lag luam. Tab sis qhov ntawd tsis tau txhais hais tias nws tsis tsim nyog saib ntxiv los ntawm kev tshuaj xyuas qhov nws ua tiag tiag rau koj rau tus nqi ntawd, thiab seb ib tus neeg zoo li cas yuav tau them tsawg dua. "Rau 0.9%, tus kws pab tswv yim zoo dua yog muab kev npaj ua tiav lossis koj tau them ntau dhau rau qee yam uas tuaj yeem ua tau rau feem ntawm tus nqi," hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Chris Russell ntawm Tempus Pecunia. Ntxiv rau tus kws npaj nyiaj txiag muaj ntawv pov thawj Ryan Townsley ntawm Lub Nroog Peev: "Raws li tus kws pab tswv yim, kuv zoo siab ua raws li koj lub sijhawm them nqi nrog kev zam tsawg heev. Qhov ntawd tsis tau txhais hais tias koj tus kws pab tswv yim muab tus nqi tsim nyog rau tus nqi no. Them tus nqi loj yuav tsum tuaj nrog tus nqi loj, "hais Townsley.
Puas muaj teeb meem nrog koj tus kws pab tswv yim lossis nrhiav tus tshiab? Email [email tiv thaiv].
Rau nws ib feem, tus kws npaj nyiaj txiag muaj ntawv pov thawj Michael Miller ntawm Miller Premier Investment Planning hais tias: "Koj yuav tsum xav txog cov kev pabcuam uas koj tus kws pab tswv yim muab thaum ntsuas seb puas yuav tshem tawm nws lossis tsis tshem nws. Qee tus kws pab tswv yim txog nyiaj txiag muab ib daim ntawv teev cov kev pab cuam npaj ua ib feem ntawm lawv cov pob khoom: kev npaj vaj tse thiab kev npaj cov ntaub ntawv, cov ntaub ntawv tsim nyog, kev npaj se, kev tswj hwm kev pheej hmoo, kev npaj nyiaj laus thiab kev npaj ua lag luam… Thaum kawg ntawm hnub, koj ' yog tus uas tau tuav tag nrho cov npav raws li nws yog koj qhov kev txiav txim siab uas koj ntiav. Yog tias koj xav tias koj tus kws pab tswv yim tsis xa cov kev pabcuam thiab kev txawj ntse rau tus nqi uas koj them, koj muaj kev ywj pheej mus kav khw. "
Nrhiav ib tus kws pab tswv yim nyiaj txiag tshiab thiab? Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim nyiaj txiag uas yuav ua tau raws li koj xav tau ntawm no.
Dab tsi ntxiv, koj tus kws pab tswv yim zoo li tsis kam ua haujlwm nrog koj li tej zaum nws yuav tsum, cov kws tshaj lij hais. "Koj puas xav nyob hauv kev sib raug zoo uas cov lus teb rau qhov kev thov yog qhov tsis muaj? Muaj cov kws tshaj lij tus nqi qis dua nyob rau ntawd uas yuav muab tus nqi qis, "Russell hais. Tseeb tiag, tus nqi tiaj tus yuav tsim nyog xav txog. Thaum tab tom nrhiav ib tus kws pab tswv yim tshiab nrog tus nqi them tus nqi tas li, tus kws npaj nyiaj txiag tau lees paub Kaleb Paddock ntawm Kaum Talents Financial Planning, hais tias koj yuav tsum nug tus kws pab tswv yim tshiab seb lawv siv sijhawm li cas rau txhua tus neeg siv khoom hauv ib xyoos. “Koj muaj pes tsawg lub rooj sib tham nrog lawv hauv ib xyoos? Puas yog tus kws pab tswv yim ua kev npaj them se thiab kev npaj tau txais txiaj ntsig? Lawv puas muab cov lus qhia txog kev faib cov cuab yeej cuab tam los pab koj tuav txoj kev nqis peev hauv cov nyiaj ua se tau zoo? Koj yuav tau txais txiaj ntsig ntau dua los ntawm kev npaj ua tiav dua li tsuas yog sim nrhiav tus neeg ua yeeb yam zoo tshaj plaws uas tsuas yog tsom rau kev nqis peev, "Paddock hais.
Thiab Townsley sau tseg tias tus kws pab tswv yim yuav tsum nyob rau hauv tus txheej txheem ntawm kev khwv tau koj txoj kev lag luam txuas ntxiv, thiab tseem taw qhia tias cov khoom vaj khoom tsev cov nqi yuav tsum tuaj nrog txo cov nqi raws li koj cov ntaub ntawv loj dua. "Nws tsis siv ob npaug ntawm kev ua haujlwm los tswj ob npaug ntawm cov nyiaj, yog li cov qauv nqi sib tw yog qhov tsim nyog tshaj. Kuv cov lus qhia zoo tshaj plaws yog kom tau txais kev xav thib ob, "hais Townsley.
Leej twg nrog koj mus, pros tej zaum koj yuav xav xam phaj 2-3 lwm tus neeg, los yog ntau tshaj yog tias xav tau, nrhiav ib tug neeg yuav xa thiab ua rau koj xav tias tus nqi yog tsim nyog. Nov yog phau ntawv qhia txog cov lus nug twg los nug ib tus kws pab tswv yim uas koj xav ntiav.
Puas muaj teeb meem nrog koj tus kws pab tswv yim 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.
Tau qhov twg los: https://www.marketwatch.com/picks/it-has-me-questioning-if-we-are-in-the-right-relationship-our-financial-adviser-is-a-top-performer- tab sis-nws-tus nqi-zoo- dhau-20k-ib-xyoo-txawm-thaum-peb-poob-nyiaj-should-we-get-a-new-one-01659347125?siteid=yhoof2&yptr=yahoo