Perekani ndi Makomiti

Kwa Alangizi a zachuma

Wothandizira ndalama pamalipiro ochokera kumakomiti ndi njira yachikhalidwe m'makampani azachuma . Ndizofupikitsa kunena kuti makasitomala amalipiridwa, omwe amatchedwa kuti commission, pachitetezo chilichonse chitetezedwa, kaya kugula kapena kugulitsa. Wothandizira zachuma , amalandira gawo limodzi la ma komitiwa ngati malipiro, kawirikawiri kudzera mu ndondomeko yapakati yomwe imasintha makomishoni ku chiwerengero chomwe chimatchedwa kubwereka .

Zomwe zingayambitse chisokonezo zimachokera ku mfundo yakuti mtsogoleri wa zachuma angagwiritsidwe ntchito kwa onse ogulitsa malonda ogwira ntchito molingana ndi zoyenerera zoyenera ndi alangizi othandizira mabungwe omwe amagwira ntchito pansi pa chiwerengero cha ndalama. Ngakhale kuti maubwenzi othandizira otsogolera ndi omwe akhala akukhazikitsidwa nthawi yaitali pakati pa anthu akale, omalizawo amagwiritsa ntchito ndalama zokhazokha.

Malangizi othandizira zachuma amasiyana ndi mtundu wotetezedwa wogulitsidwa, ndipo kawirikawiri chiwerengero chake chimawonjezeka pamene makampani onse (kapena ndalama zomwe amapereka) zimapindula pa chaka. Kaŵirikaŵiri imatchedwa mlingo wa malipiro a ndalama. Chiwerengero cha ndalama zolipirira ndalama zowonjezera chimatchedwa gridi yake yolipira .

Ubwino kwa Wogulira:

Kukhazikitsa malipiro othandizira ndalama kumakomiti kawirikawiri ndi njira yopindulitsa kwambiri kwa makasitomala omwe ali ndi ndalama zanthawi yaitali, akutsatira kugula ndikugwira njira yothandizira malonda m'malo mwa zomwe zimakhala ndi malonda ogulitsa komanso mwamsanga.

Zimakhala zoona ngati wogula ntchitoyo akudziyendetsa yekha ndi ndalama zake, osasowa chidwi ndi uphungu wochokera kwa wothandizira zachuma.

Ubwino kwa Wopanga Malangizo:

Kwa alangizi a zachuma omwe ali okhwima ndi odziwa bwino malonda, ndipo omwe makasitomala awo ali ndi njira zothetsera malonda zomwe zikuphatikizapo kuchuluka kwa ndalama zogulitsa, ndondomeko ya malipiro ya komiti ikhoza kupereka malipiro apamwamba kuposa njira zina.

Komabe, wogulitsa kwambiri wochita malonda ndi kasitomala ndi, komanso ndalama zambiri zomwe zimagwiritsidwa ntchito mu akaunti ya kasitomala, mwinamwake wogula ndikufunsanso (ndi kulandila) kuti amuchulukitse kwambiri ndalama za msonkho malinga ndi miyezo yomwe imayimilidwa ndi kampaniyo. Okhalitsa kwambiri omwe ali ndi chikhulupiriro komanso okonda ndalama amatha kukhala ndi mzere wolimbana ndi zofuna za makasitomala zotsalira mu zochitika izi.

Mikangano ya chidwi:

Pamene mlangizi wa zachuma ali pa komiti ya commission, pali kutsutsana koonekeratu kwa chidwi, chifukwa chakuti malipiro akugwirizanitsidwa mwachindunji kuti apange malonda, m'malo mochita malonda. Chizoloŵezi chomwe aphungu a zachuma omwe safuna kuchita kuti apereke malipiro awo pogwiritsa ntchito malonda ochuluka amatchulidwa kuti churning.

Churning ndi ngozi yeniyeni yomwe imatchedwa kuti discretionary accounts, yomwe mthandizi wa zachuma wapatsidwa mwayi wolowa malonda pa luntha lake, popanda kupeza chilolezo chodziwika kwa wofuna chithandizo. Ndi nkhani yosadziwika, wothandizira zachuma ayenera kupeza chilolezo chotere kuchokera kwa kasitomala pazochitika zonse zomwe akufuna. Kuyankhulana kwa foni ndikokwanira kuti mupeze chivomerezo chotere.

Chifukwa cha zochitika zogwirizana ndi malamulo , mabungwe ogwirizana ndi mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa malonda amayesa kulepheretsa kwambiri makasitomala kuti atsegule nkhani zoyenera.

Kukula:

Pakati pa aphungu omwe amalembetsa ndalama zomwe amagwira ntchito pa chithunzithunzi chomwe amachitira makasitomala omwe ali ndi makasitomala ndipo amakhala ndi ndalama zokwana madola 25 miliyoni kwa osowa ndalama (awa alangizi ayeneranso kulembedwa kuti azichita monga wogulitsa / ogulitsa), chiwerengero cha iwo amene amalandira makomere akhala:

• 22% mu 2010
• 23% mu 2009
• 24% mu 2008

Dziwani kuti ena a alangizi a zachuma omwe amawerengedwa pano amalandira mapulani angapo a kulipira, omwe amasiyana ndi makasitomala kapena akaunti ya kasitomala. Potero, magawo a phunziroli amaphatikizapo zoposa 100% pa mitundu yonse ya malipiro.

Ziwerengero izi zimachokera ku phunziro la Dr. Lukas Dean, Pulofesa Wothandizira ndi Financial Planning Program Director ku Cotsakos College of Business pa yunivesite ya William Paterson ku New Jersey.

Zotsatira za phunziroli zinatchulidwa mu "Momwe Mungaperekere Malangizi Anu a Zamalonda," Wall Street Journal , pa 12 December 2011.